AXP American Express Company

"Failure to maintain minimum regulatory capital levels at American Express or our U.S."

distress relevance: 0.64 market specificity: 0.40 score: 0.369 mda

anchor: regulatory capital requirements may constrain our growth

"We are subject to significant supervision and regulation with respect to compliance with AML/CFT laws, sanctions regimes and anti-corruption laws in numerous jurisdictions."

distress relevance: 0.63 market specificity: 0.38 score: 0.355 risk_factors

anchor: we are subject to formal regulatory enforcement action

"As a bank holding company, we are subject to regulatory requirements administered by the U.S."

distress relevance: 0.57 market specificity: 0.44 score: 0.347 mda

anchor: we are subject to formal regulatory enforcement action

"Our decisions on capital distributions depend on various factors, including: our capital levels and regulatory capital requirements; regulatory guidance or restrictions; actual and forecasted business results; economic and market conditions; revisions to, or revocation of, the Federal Reserve’s authorization of our capital plan; and the supervisory stress test process."

distress relevance: 0.52 market specificity: 0.50 score: 0.342 mda

anchor: regulatory capital requirements may constrain our growth

"Given differing interpretations by regulators and participants in cobrand arrangements, we are subject to regulatory action, penalties and the possibility we will not be able to maintain our existing cobrand and agent relationships in the EU."

distress relevance: 0.54 market specificity: 0.43 score: 0.327 risk_factors

anchor: we are subject to formal regulatory enforcement action

"Failure to maintain minimum regulatory capital levels at American Express or our U.S."

distress relevance: 0.64 market specificity: 0.50 score: 0.417 mda

anchor: regulatory capital requirements may constrain our growth

"We are subject to significant supervision and regulation with respect to compliance with AML/CFT laws, sanctions regimes and anti-corruption laws in numerous jurisdictions."

distress relevance: 0.63 market specificity: 0.38 score: 0.355 risk_factors

anchor: we are subject to formal regulatory enforcement action

"Our decisions on capital distributions depend on various factors, including: our capital levels and regulatory capital requirements; regulatory guidance or restrictions; actual and forecasted business results; economic and market conditions; revisions to, or revocation of, the Federal Reserve’s authorization of our capital plan; and the supervisory stress test process."

distress relevance: 0.52 market specificity: 0.48 score: 0.335 mda

anchor: regulatory capital requirements may constrain our growth

"As a bank holding company, we are subject to regulatory requirements administered by the U.S."

distress relevance: 0.57 market specificity: 0.40 score: 0.329 mda

anchor: we are subject to formal regulatory enforcement action

"Given differing interpretations by regulators and participants in cobrand arrangements, we are subject to regulatory action, penalties and the possibility we will not be able to maintain our existing cobrand and agent relationships in the EU."

distress relevance: 0.54 market specificity: 0.43 score: 0.325 risk_factors

anchor: we are subject to formal regulatory enforcement action

"Failure to maintain minimum regulatory capital levels at American Express or our U.S."

distress relevance: 0.64 market specificity: 0.45 score: 0.392 mda

anchor: regulatory capital requirements may constrain our growth

"We are subject to significant supervision and regulation with respect to compliance with AML/CFT laws and sanctions regimes in numerous jurisdictions."

distress relevance: 0.67 market specificity: 0.35 score: 0.368 risk_factors

anchor: we are subject to formal regulatory enforcement action

"regulatory capital requirements for large banking organizations, including American Express Company and AENB."

distress relevance: 0.57 market specificity: 0.44 score: 0.347 mda

anchor: regulatory capital requirements may constrain our growth

"We seek to maintain liquidity sources in amounts sufficient to meet our expected future financial obligations and business requirements for liquidity for a period of at least twelve months under a variety of adverse circumstances."

distress relevance: 0.69 market specificity: 0.28 score: 0.340 mda

anchor: we may not have sufficient liquidity to meet our obligations

"Our decisions on capital distributions depend on various factors, including: our capital levels and regulatory capital requirements; regulatory guidance or restrictions; actual and forecasted business results; economic and market conditions; revisions to, or revocation of, the Federal Reserve’s authorization of our capital plan; and the supervisory stress test process."

distress relevance: 0.52 market specificity: 0.47 score: 0.330 mda

anchor: regulatory capital requirements may constrain our growth

"Failure to maintain minimum regulatory capital levels at American Express or our U.S."

distress relevance: 0.64 market specificity: 0.45 score: 0.392 mda

anchor: regulatory capital requirements may constrain our growth

"We are subject to comprehensive government regulation and supervision in jurisdictions around the world, which significantly affects our business and requires continual enhancement of our compliance efforts."

distress relevance: 0.69 market specificity: 0.34 score: 0.366 risk_factors

anchor: we are subject to formal regulatory enforcement action

"As a result, we are subject to regulatory action, penalties and the possibility we will not be able to maintain our existing cobrand and agent relationships in the EU."

distress relevance: 0.63 market specificity: 0.37 score: 0.352 risk_factors

anchor: we are subject to formal regulatory enforcement action

"In addition, it may be necessary for us to hold additional capital because of an increase in the SCB requirement based on results from a supervisory stress test."

distress relevance: 0.57 market specificity: 0.46 score: 0.351 risk_factors

anchor: we may need to raise additional capital to fund operations

"We expect the balance of our direct deposits to continue to grow."

distress relevance: 0.57 market specificity: 0.43 score: 0.345 mda

anchor: our deposits have declined significantly

"Information regarding our investigation has been provided to our other regulators, including the Federal Reserve."

distress relevance: 0.73 market specificity: 0.40 score: 0.422 risk_factors

anchor: we received a notice of investigation from regulators

"We have begun phasing in the $0.7 billion cumulative amount that is not recognized in regulatory capital at 25 percent per year beginning January 1, 2022."

distress relevance: 0.66 market specificity: 0.39 score: 0.377 mda

anchor: regulatory capital requirements may constrain our growth

"Failure to maintain minimum regulatory capital levels at American Express or our U.S."

distress relevance: 0.64 market specificity: 0.39 score: 0.365 mda

anchor: regulatory capital requirements may constrain our growth

"We are subject to comprehensive government regulation and supervision in jurisdictions around the world, which significantly affects our business and requires continual enhancement of our compliance efforts."

distress relevance: 0.69 market specificity: 0.32 score: 0.358 risk_factors

anchor: we are subject to formal regulatory enforcement action

"We believe that we currently maintain sufficient liquidity to meet all internal and regulatory liquidity requirements."

distress relevance: 0.68 market specificity: 0.30 score: 0.348 mda

anchor: we may not have sufficient liquidity to meet our obligations

"Information regarding our investigation has been provided to our other regulators, including the Federal Reserve."

distress relevance: 0.73 market specificity: 0.40 score: 0.422 risk_factors

anchor: we received a notice of investigation from regulators

"We have been subject to regulatory actions and may continue to be subject to such actions, including governmental inquiries, investigations and enforcement proceedings, in the event of noncompliance or alleged noncompliance with laws or regulations."

distress relevance: 0.72 market specificity: 0.38 score: 0.410 risk_factors

anchor: we are subject to formal regulatory enforcement action

"We will begin phasing in the cumulative amount that is not recognized in regulatory capital at 25 percent per year beginning January 1, 2022."

distress relevance: 0.65 market specificity: 0.43 score: 0.389 mda

anchor: regulatory capital requirements may constrain our growth

"Failure to maintain minimum regulatory capital levels at American Express or our U.S."

distress relevance: 0.64 market specificity: 0.39 score: 0.365 mda

anchor: regulatory capital requirements may constrain our growth

"We are subject to comprehensive government regulation and supervision in jurisdictions around the world, which significantly affects our business and requires continual enhancement of our compliance efforts."

distress relevance: 0.69 market specificity: 0.32 score: 0.358 risk_factors

anchor: we are subject to formal regulatory enforcement action