---
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"
generated_at: "2026-05-31T18:24:00.765554+00:00"
event_type: "litigation"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Upbound Group subsidiary Acima files lawsuit against CFPB over lease-to-own regulation

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: litigation
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-081581
- JSON: https://secwatch.observer/filing/0001104659-24-081581.json
- Plain text: https://secwatch.observer/filing/0001104659-24-081581.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.