{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-22-000058","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2022-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.567378+00:00","generated_at":"2026-06-22T18:35:39.245470+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Upstart Holdings lays off approximately 140 hourly employees due to reduced loan volume and challenging economy","bullets":["Laid off approx. 140 hourly employees who process loan applications, effective Nov 1, 2022.","Cites challenging economy and reduction in loan volume on its platform as reasons.","This workforce reduction reflects ongoing downturn in Upstart's lending business."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-22-000058","json":"https://secwatch.observer/filing/0001647639-22-000058.json","markdown":"https://secwatch.observer/filing/0001647639-22-000058.md","text":"https://secwatch.observer/filing/0001647639-22-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000058/0001647639-22-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000058/upst-20221101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T18:35:39.245470+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"}