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.
🟢 New in Current Filing
If the information provided to us by customers or other third parties is incorrect or fraudulent, we may misjudge a customer’s qualifications to receive our products and services and our results of operations may be harmed and could subject us to regulatory scrutiny or penalties.
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🟢 New in Current Filing
The legal and regulatory regimes governing certain of our products and services are uncertain and evolving. Changing or new laws, regulations, interpretations or regulatory enforcement priorities may have a material and adverse effect on our business, financial condition, results of operations and cash flows.
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🟢 New in Current Filing
If loans made by our lending subsidiaries in our Consumer business are found to violate applicable federal or state interest rate limits or other provisions of applicable consumer lending, consumer protection or other laws, it could adversely affect our business, financial condition, results of operations and cash flows.
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🟢 New in Current Filing
The regulatory regime governing blockchain technologies and digital assets is uncertain, and new laws, regulations or policies may alter our business practices with respect to digital assets.
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🟢 New in Current Filing
States may require that we obtain licenses that apply to blockchain technologies and digital assets.
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🟢 New in Current Filing
From time to time we are party to lawsuits and investigations, which has previously and could in the future require significant management time and attention, cause us to incur significant legal expenses and prevent us from selling our products.
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🟢 New in Current Filing
We rely on a variety of funding sources to support our business model. If our existing funding arrangements are not renewed or replaced or our existing funding sources are unwilling or unable to provide funding to us on terms acceptable to us, or at all, it could have a material adverse effect on our business, financial condition, results of operations and cash flows.
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🟢 New in Current Filing
We may be required to issue shares under our contingent value rights agreement with certain former holders.
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🔴 No Match in Current Filing
Any changes or interpretations to existing accounting pronouncements or taxation rules or practices may cause fluctuations in our reported results of operations or affect how we conduct our business.
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🟡 Modified
Our Amended Credit Agreement imposes operating and financial restrictions on us.
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🟡 Modified
Our acquisitions and divestitures create special risks and challenges that could adversely affect our financial results.
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🟡 Modified
Some of our products contain “open source” software, and any failure to comply with the terms of one or more of these open source licenses could negatively affect our business.
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🟡 Modified
We may need to change our pricing models to compete successfully.
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🟡 Modified
Our inability to successfully recover from a disaster or other business continuity event could impair our ability to deliver our products and services and harm our business.
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🟡 Modified
We operate in a highly competitive and dynamic environment, and if we are unable to compete effectively, we could experience a loss in market share and a reduction in revenue.
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🟡 Modified
Negative publicity regarding our brand, solutions and business could harm our competitive position.
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🟡 Modified
Our solutions, systems, websites and the data on these sources have been in the past and may continue to be subject to cybersecurity events that could materially harm our reputation and future sales.
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🟡 Modified
Our reputation and/or business could be negatively impacted by sustainability and governance matters and/or our reporting of such matters.
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🟡 Modified
If we fail to manage our sales and distribution channels effectively, if our partners choose not to market and sell our solutions to their customers, or if we have an adverse change in our relationships with key third-party partners, service providers or vendors, our operating results could be materially and adversely affected.
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🟡 Modified
We collect, use, disclose, store or otherwise process personal information and other sensitive data, which is subject to stringent and changing state and federal laws, and regulations.
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🟡 Modified
Our solutions are complex and operate in a wide variety of environments, systems and configurations, which could result in failures of our solutions to function as designed.
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🟡 Modified
Third parties have claimed and additional third parties in the future may claim that we infringe their proprietary rights.
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🟡 Modified
Issues in the development and deployment of artificial intelligence (“AI”) may result in reputational harm and legal liability and could adversely affect our results of operations.
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🟡 Modified
Adverse macroeconomic conditions and government efforts to combat inflation, along with other interest rate pressures arising from an inflationary economic environment, have led to and may continue to lead to higher financing costs and may particularly have negative effects on the consumer finance industry and our MoneyLion business.
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🟡 Modified
If we do not protect our proprietary information and prevent third parties from making unauthorized use of our products and technology, our financial results could be harmed.
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🟡 Modified
Our solutions are highly regulated, which could impede our ability to market and provide our solutions or adversely affect our business, financial position, results of operations and cash flows.
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