{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-26-000036","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2026-03-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.747372+00:00","generated_at":"2026-05-15T16:42:21.248321+00:00","sec_items":["8.01","9.01"],"event_type":"regulatory","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Upstart announces plan to apply for national bank charter","bullets":["Upstart will apply to OCC and FDIC to establish an insured national bank, Upstart Bank, N.A., and to the Fed for bank holding company status.","Annie Delgado, Chief Risk Officer, is proposed CEO of Upstart Bank, N.A.","Charter aims to reduce operational, regulatory, and financial complexity and allow direct deposit funding.","Company states it will not compete with depository partners for local deposits; existing partners remain primary capital source.","Application subject to regulatory approval; no timeline or certainty provided."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-26-000036","json":"https://secwatch.observer/filing/0001647639-26-000036.json","markdown":"https://secwatch.observer/filing/0001647639-26-000036.md","text":"https://secwatch.observer/filing/0001647639-26-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000036/0001647639-26-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000036/upst-20260310.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T16:42:21.248321+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"}