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
We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and a failure to comply with these laws could lead to a wide variety of penalties and other sanctions.
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🟢 New in Current Filing
We are, and may in the future be, subject to claims and litigation calling into question our right to use the intellectual property underlying certain technology in our business.
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🟡 Modified
We are subject to ESG risks that could adversely affect our business, reputation and the trading price of our common stock.
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🔴 No Match in Current Filing
Transitions away from and the replacement of benchmark rates could adversely impact our business, financial condition and results of operations.
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🟡 Modified
An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the U.S. economy and on our businesses.
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🟡 Modified
We are subject to extensive governmental regulation, which could have an adverse impact on our operations and our business model.
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🟡 Modified
Weakness in the commercial real estate markets could adversely affect our performance.
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🔴 No Match in Current Filing
The value of our goodwill and other intangible assets may decline in the future.
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🟡 Modified
We face substantial legal and operational risks in our safeguarding and other processing of personal information.
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🟡 Modified
Market Risks
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🟡 Modified
Increases in FDIC insurance assessments may adversely affect our earnings.
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🟡 Modified
Weakness in the residential real estate markets could adversely affect our performance.
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🟡 Modified
Damage to our reputation could significantly harm our businesses.
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🟡 Modified
Legal, Regulatory and Compliance Risks
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🟡 Modified
Reputational Risks
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🟡 Modified
We are a holding company and depend on our subsidiaries for dividends, distributions and other payments.
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🟡 Modified
Ineffective liquidity management could adversely affect our financial results and condition.
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🟡 Modified
Operational Risks
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🟡 Modified
We are exposed to risk of environmental liability when we take title to property.
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🟡 Modified
We may suffer losses if the value of collateral declines in stressed market conditions.
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🟡 Modified
Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates.
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🟡 Modified
We depend on the accuracy and completeness of information about clients and counterparties.
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🟡 Modified
Our business and financial performance could be adversely affected by a U.S. government debt default or the threat of such a default.
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🟡 Modified
Rulemaking changes and regulatory initiatives implemented by the CFPB may result in higher regulatory and compliance costs that may adversely affect our results of operations.
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