Welcome to our dedicated page for Bank of America SEC filings (Ticker: BAC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Bank of America’s scale makes its disclosures a trove of insight—and a maze of footnotes. Credit-card charge-offs, Basel III capital cushions, and trading VaR all hide inside a 300-page annual report 10-K. If you have ever asked, “How do I read Bank of America’s SEC filings explained simply?� this page answers that question.
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- Bank of America executive stock transactions Form 4 let you monitor insider sentiment
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Bank of America has announced a $5.06 million offering of Market Linked Securities due June 29, 2028, linked to the performance of the Russell 2000 Index, Dow Jones Industrial Average, and Nasdaq-100 Technology Sector Index.
Key features of the securities include:
- Auto-callable structure with potential call premiums ranging from 10.10% to 30.30% based on the lowest performing underlying index
- Call trigger set at 93% of starting values for each index
- Downside protection threshold at 70% of starting values
- Initial estimated value of $966.70 per security, below the $1,000 offering price
- Full downside exposure if lowest performing index falls below threshold value
The offering involves significant risks including potential loss of principal, no interest payments, and limited upside potential capped at the applicable call premium. Securities are subject to BofA Finance's credit risk and guaranteed by Bank of America Corporation.
Bank of America has announced Enhanced Return Notes linked to the S&P 500 FC TCA 0.50% Decrement Index ER, due June 28, 2030. The notes, priced at $1,000 per unit with total offering of $20,000, feature:
- 5-year term with no periodic interest payments
- 165% upside participation rate if the index value increases above starting value
- Principal protection if the index value decreases or remains unchanged
- Initial estimated value of $950.90 per $1,000 principal amount
The notes track a synthetic version of the S&P 500 Total Return Index with an 11.50% volatility target and 0.50% annual decrement. Key risks include credit risk of BofA Finance (issuer) and Bank of America (guarantor), no listing on securities exchanges, and potential returns below conventional debt securities. The offering includes an underwriting discount of up to $37.50 per note.
Bank of America has issued Variable Income Auto-Callable Yield Notes linked to the performance of NVIDIA (NVDA), Palantir (PLTR), and Tesla (TSLA) stocks. Key features include:
- 5-year term with $4.45 million total offering
- 8.40% per annum maximum coupon rate if all underlying stocks are �75% of starting value
- 0.25% per annum minimum coupon rate if any stock falls below threshold
- Starting values: PLTR: $142.90, NVDA: $154.31, TSLA: $327.55
- Monthly callable after June 2026 if all stocks �90% of starting value
- Principal protected at maturity
Initial estimated value is $955.20 per $1,000 principal. Notes are subject to BofA Finance's credit risk as issuer and Bank of America's guarantee. Not FDIC insured and may lose value. CUSIP: 09711HRL9.
Bank of America has announced new Auto-Callable Enhanced Return Notes linked to the performance of three major indices: Nasdaq-100, Russell 2000, and S&P 500. The notes, priced on June 25, 2025, will have an approximate 4-year term unless called earlier.
Key features include:
- Initial offering price of $1,000 per note with estimated value of $944.20
- Automatic call feature beginning June 26, 2026, with potential call amounts ranging from $1,105 to $1,367.50
- 150% upside exposure if all underlying indices are above starting value at maturity
- Principal protection down to 70% of starting values; 1:1 downside exposure below that threshold
- Total offering amount of $195,000 with underwriting discount of $36.50 per note
The notes are subject to Bank of America's credit risk and are not FDIC insured. They will not be listed on any securities exchange and offer no periodic interest payments.
Bank of America has announced new Auto-Callable Enhanced Return Notes linked to the performance of three major indices: Nasdaq-100, Russell 2000, and S&P 500. The notes, priced at $1,000 per unit with a total offering of $2,775,000, will mature on June 28, 2029, unless called earlier.
Key features include:
- 4-year term with automatic call feature starting June 2026
- 150% upside participation if all indices perform above starting values
- Principal protection if worst-performing index doesn't decline more than 30%
- No periodic interest payments
- Initial estimated value of $945.50 per $1,000 note
The notes include automatic call provisions at $1,090 (Year 1), $1,180 (Year 2), and $1,270 (Year 3) if all indices meet threshold values. Investors face potential loss of up to 100% of principal if any index declines more than 30%. The notes are subject to Bank of America's credit risk and will not be listed on any securities exchange.
The Bank of Nova Scotia (BNS) is offering US$740,000 of Autocallable Contingent Buffered Return Enhanced Notes linked to an equally weighted basket of seven U.S-listed equities. The unsecured senior notes settle on 7-Jul-2025, have a maximum tenor of roughly 24 months, and will not be listed on any exchange. Key commercial terms are as follows:
- Automatic call: If the Basket Closing Value on the 13-Jul-2026 Review Date is �100% of the Initial Basket Value (100), investors receive US$1,162.50 per US$1,000 note (principal plus a 16.25% Call Premium) and the trade terminates early.
- Upside at maturity (if not called): 125% participation in any positive basket return with no cap.
- Downside protection: 20% buffer; if final basket value falls below 80, principal loss is leveraged at 1.25× the decline beyond the buffer, exposing holders to up to a 100% loss.
- Underlying basket (equal 1/7 weights): CEG, META, MRVL, MSFT, NVDA, VRT, VST. Initial component prices were fixed on 30-Jun-2025.
- Credit & liquidity: Notes are unsubordinated but unsecured BNS obligations, not insured by CDIC/FDIC, and will trade only OTC at the discretion of Scotia Capital (USA) Inc. (SCUSA). No periodic coupons are paid.
- Pricing economics: Original issue price 100% of par; initial estimated value US$963.09 (�96.3% of par) reflects selling costs, hedging and BNS’s internal funding rate. Underwriting/placement fee is 1.50% (forgone on fiduciary accounts).
- Risk disclosures: extensive market, credit, liquidity and tax risks highlighted; investors may lose full principal; secondary market likely to be thin.
Administrative details include CUSIP 06419DAA1, trade date 1-Jul-2025, maturity date 7-Jul-2027, and SCUSA/JPMS acting as agents. The product is intended for investors who understand structured notes, can bear full downside, and are comfortable with BNS credit exposure.
Bank of America has issued Contingent Income Auto-Callable Yield Notes linked to Uber Technologies stock, due June 30, 2027. The notes, priced at $1,000 per unit with total offering of $500,000, feature quarterly contingent coupon payments and automatic call provisions.
Key features include:
- 2-year term with quarterly coupon payments of $31.625 if Uber stock is �65% of starting value ($91.65)
- Memory feature allows recovery of previously missed payments
- Automatic call feature starting December 2025 if stock price �100% of starting value
- Principal at risk if stock declines >35% from starting value at maturity
- Initial estimated value of $971 per $1,000 principal amount
The notes carry credit risk from BofA Finance as issuer and Bank of America as guarantor. They are not FDIC insured, not bank guaranteed, and may lose value. The offering includes an underwriting discount of $23.50 per note.
Bank of America has announced Capped Buffered Enhanced Return Notes linked to the EURO STOXX 50 Index, due December 31, 2026. The notes, priced at $1,000 per unit with total offering of $320,000, will be issued on June 30, 2025.
Key features include:
- 18-month term with 110% upside participation rate, subject to max return of 18%
- 15% downside buffer - losses only occur if index declines more than 15%
- Maximum potential loss of 85% of principal
- Initial estimated value of $967.60 per $1,000 note
- No periodic interest payments
The notes carry credit risk from both BofA Finance (Issuer) and Bank of America (Guarantor). The offering includes an underwriting discount of $22.00 per note and an additional referral fee of up to $2.50. Notes are not FDIC insured and may lose value. Starting value of the index is set at 5,252.01.
Bank of America is offering Capped Buffered Enhanced Return Notes linked to the S&P 500 Index, with the following key terms:
- 18-month term (June 30, 2025 to December 31, 2026)
- Starting Value: 6,092.16
- Maximum Return: 14.00% ($1,140 per $1,000 principal)
- 110% upside participation rate above Starting Value
- 10% downside buffer; losses only begin below 90% of Starting Value
- Up to 90% of principal at risk
The notes offer enhanced returns up to a cap with partial downside protection. Initial estimated value is $972.30 per $1,000 principal, below the public offering price of $1,000. Total offering size is $1,314,000. Notes are subject to Bank of America's credit risk and will not be listed on any securities exchange. No periodic interest payments will be made.
Bank of America is offering Contingent Income Issuer Callable Yield Notes linked to the least performing of EURO STOXX 50 Index, S&P 500 Index, and iShares Russell 2000 ETF. Key terms include:
- Term: Approximately 3 years (due June 29, 2028)
- Contingent Coupon Rate: 9.30% per annum (2.325% quarterly) if all underlyings are � 70% of starting value
- Early Call Feature: Callable quarterly starting January 2, 2026
- Principal Risk: 100% at risk if any underlying declines >30% at maturity
- Initial Offering: $1,000 per note with total offering of $289,000
The notes' initial estimated value is $975.90 per $1,000, below the offering price. All payments are subject to BofA Finance's credit risk as issuer and Bank of America's guarantee. The notes will not be listed on any securities exchange.