What Pagaya Just Told the SEC About What Happens When You’re Declined for a Loan
Pagaya’s own SEC filing reveals a product called Decline Monetization. Here’s what happens to your loan application after an AI says no — and your rights.
What They Told Wall Street
Reading the SEC filings of the companies that handle your money and translating what they quietly admitted — one filing at a time.
What Citi Just Told the SEC About the Real Cost of Your Card Rewards
Citi’s own SEC filing shows the fee side of its card business ran $663 million in the red this quarter. Here’s what that means for how you use your card.
What Bank of America Just Told the SEC About Its Money-Laundering Consent Order
In February, Bank of America told the SEC this compliance matter would not be “material.” In July, it said resolution may include monetary penalties.
What Encore Capital Just Told the SEC About Its Record Debt-Buying Quarter
Encore Capital’s own SEC filing shows a record quarter buying consumer debt, funded by $750 million in new Wall Street borrowing — with lawsuits growing faster than any other way Midland Credit Management collects.
What loanDepot Just Told the SEC About Its 2024 Data Breach
loanDepot’s SEC filing just changed its 2024 data breach assessment from ‘not estimable’ to ‘probable loss.’ Here’s what that means if your data was in it.
What Consumer Portfolio Services Just Told the SEC About Its Car Loan Extensions
A subprime auto lender’s own SEC filing shows how often loan “extensions” actually work — and how often they just delay repossession.
What Sallie Mae Just Told the SEC About a ‘Refinance’ That Is Actually a Default Trap
Sallie Mae told the SEC that some ‘refinance’ pitches are really pushing able-to-pay borrowers into default. Here’s the filing and what to do instead.
What Synchrony’s 10-Q Really Shows About Your Late Fees
Synchrony’s Q2 2026 10-Q shows late-fee revenue and delinquencies fell from a year ago – even with the CFPB’s $8 cap gone. Here’s what the filing says.
What American Express Just Told the SEC About Facing AML Enforcement Action
American Express told the SEC it expects an enforcement action — possibly civil money penalties — in relation to its anti-money-laundering programs. Here’s what that does and doesn’t mean if you carry an Amex card.
What Enova Told the SEC About Its Virginia Lending Settlement — $87 Million in Debt Forgiven
Enova’s NetCredit unit denied wrongdoing but forgave $87 million in Virginia loans. Here’s what its SEC filing says and what it means for you.
