---
schema_version: "secwatch.filing_event.v1"
accession: "0001818502-26-000094"
form_type: "8-K"
ticker: "OPFI"
cik: "0001818502"
company_name: "OppFi Inc."
filed_at: "2026-11-03T13:36:37+00:00"
generated_at: "2026-11-03T13:40:07.204716+00:00"
event_type: "m_and_a"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OppFi withdraws OCC, Fed, FDIC applications for BNCCORP deal; merger agreement remains in effect

## Summary
- OppFi withdrew applications to the OCC, Federal Reserve and FDIC for its proposed acquisition of BNCCORP (OTCQX: BNCC) and BNC National Bank.
- Merger agreement dated April 28, 2026 has not been terminated and remains in effect, OppFi said.
- OppFi reaffirmed 2026 guidance: revenue $600M-$610M, adjusted net income $115M-$120M, adjusted EPS $1.34-$1.40 on ~86M diluted shares.
- CEO Todd Schwartz said applications met statutory criteria but regulators lacked clearly articulated standards; OppFi will engage on market- and consumer-based standards.
- OppFi said it proactively engaged federal regulators and responded to extensive information requests from the OCC, Fed and FDIC during the application process.

## SEC filing metadata
- accession: 0001818502-26-000094
- form_type: 8-K
- ticker: OPFI
- cik: 0001818502
- company_name: OppFi Inc.
- filed_at: 2026-11-03T13:36:37+00:00
- event_type: m_and_a
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818502/000181850226000094/0001818502-26-000094-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818502/000181850226000094/opfi-20261103.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-26-000094
- JSON: https://secwatch.observer/filing/0001818502-26-000094.json
- Plain text: https://secwatch.observer/filing/0001818502-26-000094.txt

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