What SEC filings does Credit Acceptance Corporation submit to the SEC?

Credit Acceptance Corporation (CACC) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about CACC?

A Form 4 for CACC discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from Credit Acceptance Corporation?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for CACC?

The 10-K is Credit Acceptance Corporation's annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all CACC SEC filings directly on EDGAR?

You can view all historical Credit Acceptance Corporation filings on the SEC EDGAR company page for CACC. Each filing card on this page links directly to the original SEC document.

How often does Credit Acceptance Corporation file with the SEC?

Credit Acceptance Corporation files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling CACC shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

CACC SEC Filing News — Credit Acceptance Corporation

Latest SEC filings for Credit Acceptance Corporation (CACC) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-10-06.

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the compa…

Sector: Financial Services Industry: Credit Services Market Cap: $5.5B CIK: 885550

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

Rule-based classifications for CACC currently lean bearish. Of the 20 filing records displayed, 6 carry bearish classifications (such as insider sales or negative 8-K disclosures) versus 0 bullish. This does not necessarily signal fundamental deterioration — insiders sell for many reasons — but it is worth monitoring alongside the company's core financial metrics.

CACC Filing Activity Snapshot 2026-07-09 — 2026-10-06

Insider Transactions (Form 4)

0 buys vs 1 sell

Net insider selling in this period — insiders sell for many reasons beyond conviction.

Largest Form 144 Filing

$9.30M

Eidolon Corvid 2024 Trust · 2026-07-09

15,000 shares · Form 144

Form 144 Notices

Proposed insider sales filed — Form 144 is a notice of intent, not a confirmed transaction. Actual sales are confirmed via Form 4.

Insider Transactions 1 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 1 filing in this group is a Form 4 for Credit Acceptance Corporation.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 1 insider filing shown, the breakdown is 1 open-market sale. 1 of them involved a discretionary open-market trade; the rest are compensation and administrative mechanics.

What each transaction type means

Open-market sale ×1: The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Form 4 Open-market sale Insider Selling 2026-07-20

CACC insider Watson Jill Foss (10% Owner) sold 1,436 shares (~$919.8K)

Watson Jill Foss, listed as 10% Owner at CREDIT ACCEPTANCE CORP, reported an open-market sale of 1,436 CACC shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`S`	Open-market sale	977	$640.15	$625.4K
`S`	Open-market sale	457	$641.31	$293.1K
`S`	Open-market sale	2	$642.08	$1.3K

Filing: Form 4 (Insider Transaction) Insider: Watson Jill Foss (10% Owner) Shares: 1,436 Est. Value: $919.8K

View on SEC EDGAR → Open Filing Document →

Proposed Insider Sales 11 · Form 144

A Form 144 is a notice of intent to sell restricted or control securities. It is not a record that anything was sold. Credit Acceptance Corporation has 11 such notices in this period.

The distinction matters because a Form 144 is frequently reported as though it were a completed insider sale. The filer may sell all of the shares covered, some of them, or none at all, and there is no obligation to update the notice either way. A sale that is actually executed by an officer or director shows up separately on a Form 4, which is the filing to check before treating a proposed sale as a real one.

Form 144 Large Proposed Insider Sale 2026-10-06

CACC Form 144 filed for proposed insider sale by Eidolon Corvid 2024 Trust (15,000 shares) ~$8.03M

Eidolon Corvid 2024 Trust filed a Form 144 with the SEC indicating intent to sell CACC (CREDIT ACCEPTANCE CORP) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4. The proposed dollar value is large enough to merit attention.

Filing: Form 144 (Proposed Sale Notice) Insider: Eidolon Corvid 2024 Trust Shares: 15,000 Est. Value: $8.03M

View on SEC EDGAR → Open Filing Document →

Form 144 Large Proposed Insider Sale 2026-09-25

CACC Form 144 filed for proposed insider sale by Jill Foss Watson Irrevocable Trust (14,064 shares) ~$7.81M

Jill Foss Watson Irrevocable Trust filed a Form 144 with the SEC indicating intent to sell CACC (CREDIT ACCEPTANCE CORP) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4. The proposed dollar value is large enough to merit attention.

Filing: Form 144 (Proposed Sale Notice) Insider: Jill Foss Watson Irrevocable Trust Shares: 14,064 Est. Value: $7.81M

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-09-25

CACC Form 144 filed for proposed insider sale by Jill Foss Watson 2014 Children's Trust FBO Gwyneth Ellen Watson (6,105 shares) ~$3.39M

Jill Foss Watson 2014 Children's Trust FBO Gwyneth Ellen Watson filed a Form 144 with the SEC indicating intent to sell CACC (CREDIT ACCEPTANCE CORP) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4.

Filing: Form 144 (Proposed Sale Notice) Insider: Jill Foss Watson 2014 Children's Trust FBO Gwyneth Ellen Watson Shares: 6,105 Est. Value: $3.39M

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-09-25

CACC Form 144 filed for proposed insider sale by Jill Foss Watson 2014 Children's Trust FBO Duncan Todd Watson (5,568 shares) ~$3.09M

Jill Foss Watson 2014 Children's Trust FBO Duncan Todd Watson filed a Form 144 with the SEC indicating intent to sell CACC (CREDIT ACCEPTANCE CORP) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4.

Filing: Form 144 (Proposed Sale Notice) Insider: Jill Foss Watson 2014 Children's Trust FBO Duncan Todd Watson Shares: 5,568 Est. Value: $3.09M

View on SEC EDGAR → Open Filing Document →

Form 144 Large Proposed Insider Sale 2026-09-25

CACC Form 144 filed for proposed insider sale by Jill Foss Watson Living Trust (12,000 shares) ~$6.66M

Jill Foss Watson Living Trust filed a Form 144 with the SEC indicating intent to sell CACC (CREDIT ACCEPTANCE CORP) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4. The proposed dollar value is large enough to merit attention.

Filing: Form 144 (Proposed Sale Notice) Insider: Jill Foss Watson Living Trust Shares: 12,000 Est. Value: $6.66M

View on SEC EDGAR → Open Filing Document →

Form 144 Large Proposed Insider Sale 2026-09-03

CACC Form 144 filed for proposed insider sale by Booth Kenneth (10,000 shares) ~$6.16M

Booth Kenneth filed a Form 144 with the SEC indicating intent to sell CACC (CREDIT ACCEPTANCE CORP) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4. The proposed dollar value is large enough to merit attention.

Filing: Form 144 (Proposed Sale Notice) Insider: Booth Kenneth Shares: 10,000 Est. Value: $6.16M

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-09-02

CACC Form 144 filed for proposed insider sale by Booth Kenneth (2,500 shares) ~$1.51M

Filing: Form 144 (Proposed Sale Notice) Insider: Booth Kenneth Shares: 2,500 Est. Value: $1.51M

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-08-21

CACC Form 144 filed for proposed insider sale by Booth Kenneth (2,500 shares) ~$1.51M

Filing: Form 144 (Proposed Sale Notice) Insider: Booth Kenneth Shares: 2,500 Est. Value: $1.51M

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-08-21

CACC Form 144 filed for proposed insider sale by Booth Kenneth (1,453 shares) ~$855.8K

Filing: Form 144 (Proposed Sale Notice) Insider: Booth Kenneth Shares: 1,453 Est. Value: $855.8K

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-08-06

CACC Form 144 filed for proposed insider sale by Booth Kenneth (2,547 shares) ~$1.51M

Filing: Form 144 (Proposed Sale Notice) Insider: Booth Kenneth Shares: 2,547 Est. Value: $1.51M

View on SEC EDGAR → Open Filing Document →

Form 144 Large Proposed Insider Sale 2026-07-09

CACC Form 144 filed for proposed insider sale by Eidolon Corvid 2024 Trust (15,000 shares) ~$9.30M

Filing: Form 144 (Proposed Sale Notice) Insider: Eidolon Corvid 2024 Trust Shares: 15,000 Est. Value: $9.30M

View on SEC EDGAR → Open Filing Document →

Material Events 7 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There are 7 in this period for Credit Acceptance Corporation. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-09-21