The summary below was generated by an AI language model and may contain errors or omissions. All other content on this page is deterministically extracted from the original SEC EDGAR filing.
American Express modified nine existing risk factors between 2023 and 2024 while maintaining all 24 previously disclosed risks without removal or addition. The most substantially revised disclosures address operational and compliance risk management, realization of acquisition and strategic investment benefits, and exposure to geopolitical and catastrophic events, indicating the company deepened its articulation of existing risk categories rather than identifying entirely new risk sources.
Classification is based on semantic text similarity scoring and may include approximations. “No match” means no high-confidence textual match was found — not necessarily that a section was removed.
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We may not be able to effectively manage the operational and compliance risks to which we are exposed.
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We may not be successful in realizing the benefits associated with our acquisitions, strategic alliances, joint ventures and investment activity, and our business and reputation could be materially adversely affected.
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Our business is subject to the effects of geopolitical conditions, weather, natural disasters and other catastrophic events.
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Tax legislative initiatives or assessments could adversely affect our results of operations and financial condition.
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We are subject to capital adequacy and liquidity rules, and if we fail to meet these rules, our business would be materially adversely affected.
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Our business is subject to evolving and comprehensive government regulation and supervision, which could materially adversely affect our results of operations and financial condition.
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Litigation and regulatory actions could subject us to significant fines, penalties, judgments and/or requirements resulting in significantly increased expenses, damage to our reputation and/or a material adverse effect on our business and results of operations.
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If we are not able to successfully invest in, and compete with respect to, technological developments and new products and services across all our businesses, our revenue and profitability could be materially adversely affected.
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Regulation in the areas of privacy, data protection, data governance, resiliency, data transfer, third party oversight, account access, artificial intelligence and machine learning and information security and cybersecurity could increase our costs and affect or limit our business opportunities and how we collect and/or use personal information.
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