{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-081581","form_type":"8-K","ticker":"UPBD","cik":"0000933036","company_name":"UPBOUND GROUP, INC.","filed_at":"2024-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.424230+00:00","generated_at":"2026-05-31T18:24:00.765554+00:00","sec_items":["7.01","9.01"],"event_type":"litigation","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Upbound Group subsidiary Acima files lawsuit against CFPB over lease-to-own regulation","bullets":["Acima sued CFPB in Eastern District of Texas, challenging authority to regulate lease-to-own transactions.","Lawsuit argues lease-to-own is not credit or financing under federal law; CFPB investigation predates Upbound's 2021 Acima acquisition.","Acima states CFPB threatened litigation after failed settlement talks; seeks to halt regulatory expansion.","Upbound CEO vows to defend against regulatory overreach; Acima holds A+ BBB rating and NPS of 70."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-081581","json":"https://secwatch.observer/filing/0001104659-24-081581.json","markdown":"https://secwatch.observer/filing/0001104659-24-081581.md","text":"https://secwatch.observer/filing/0001104659-24-081581.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/933036/000110465924081581/0001104659-24-081581-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/933036/000110465924081581/tm2419929d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:24:00.765554+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}