Santander Consumer USA Holdings Inc. vs BREAD FINANCIAL HOLDINGS, INC., risk disclosures compared

6topics both disclose

2only Santander Consumer USA Holdings Inc.

7only BREAD FINANCIAL HOLDINGS, INC.

What both disclose

Topics appearing in filings from both companies, and how many filings each.

Topic	Santander Consumer USA Holdings Inc.	BREAD FINANCIAL HOLDINGS, INC.
Business Continuity	15	11
Model Validation	15	3
Third Party Risk Management	15	3
Internal Control	9	8
Restatement	3	11
Data Breach	1	10

Only Santander Consumer USA Holdings Inc.

Topic	Filings
Artificial Intelligence	1
Cybersecurity Incident	1

Only BREAD FINANCIAL HOLDINGS, INC.

Topic	Filings
Consent Order	12
Material Weakness	10
Data Governance	8
Regulatory Investigation	7
Ransomware	5
Enforcement Action	1
SEC Comment Letter	1

What this compares

Which of the topics we track appear in each company's SEC filings, and how often. A topic appearing for one company and not the other means one wrote the phrase down and the other did not, in the filings we hold. It does not mean one faces a risk the other does not, and it is not a comparison of how well either manages anything.

Counts reflect the filings we have collected, which is a growing subset rather than a company's complete history.

Santander Consumer USA Holdings Inc. · BREAD FINANCIAL HOLDINGS, INC. · All companies