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[SCHEDULE 13G/A] Credit Acceptance Corp SEC Filing

Filing Impact
(Low)
Filing Sentiment
(Neutral)
Form Type
SCHEDULE 13G/A
Rhea-AI Filing Summary

John P. Neary, acting solely as co-trustee of the Marital Trust U/A Donald A. Foss Trust, reports beneficial ownership of 852,797 shares of Credit Acceptance Corporation common stock, representing 7.6% of the outstanding class based on the issuer's reported share count of 11,237,661. The filing shows no sole voting or dispositive power; all voting and dispositive authority is held as shared power over the 852,797 shares. This Amendment No. 3 Schedule 13G discloses a passive stake and includes a certification that the securities were not acquired or held to change or influence control of the issuer.

John P. Neary, in qualità di co-trustee che agisce esclusivamente del Marital Trust U/A Donald A. Foss Trust, dichiara la titolarità beneficiaria di 852,797 azioni ordinarie di Credit Acceptance Corporation, pari al 7.6% della classe in circolazione in base al numero di azioni segnalato dall'emittente di 11,237,661. La comunicazione indica assenza di potere di voto o dispositivi in via esclusiva; tutta l'autorità di voto e dispositiva sulle 852,797 azioni è esercitata come potere condiviso. Questo Emendamento n. 3 al Schedule 13G rivela una partecipazione passiva e include una certificazione che i titoli non sono stati acquisiti né detenuti per modificare o influenzare il controllo dell'emittente.

John P. Neary, actuando únicamente como co-trustee del Marital Trust U/A Donald A. Foss Trust, declara la propiedad beneficiaria de 852,797 acciones ordinarias de Credit Acceptance Corporation, que representan el 7.6% de la clase en circulación según el recuento de 11,237,661 acciones informado por el emisor. La presentación indica que no existe poder exclusivo de voto ni de disposición; toda la autoridad de voto y dispositiva sobre las 852,797 acciones se ejerce como poder compartido. Esta Enmienda n.º 3 del Schedule 13G revela una participación pasiva e incluye una certificación de que los valores no fueron adquiridos ni mantenidos para cambiar o influir en el control del emisor.

John P. NearyëŠ� Marital Trust U/A Donald A. Foss Trustì� ê³µë™ ìˆ˜íƒìž�(co-trustee)로서ë§� í–‰ë™í•˜ë©°, Credit Acceptance Corporationì� 보통ì£� 852,797ì£¼ì— ëŒ€í•� 실소유권ì� 보고합니ë‹�. ì´ëŠ” 발행회사가 ë³´ê³ í•� 11,237,661ì£¼ì˜ ë°œí–‰ ì£¼ì‹ ìˆ˜ë¥¼ 기준으로 해당 주ì‹êµ°ì˜ 7.6%ì—� 해당합니ë‹�. 제출서류ëŠ� ë‹¨ë… ì˜ê²°ê¶� ë˜ëŠ” ì²˜ë¶„ê¶Œì´ ì—†ìŒì� 나타내며, 852,797ì£¼ì— ëŒ€í•� 모든 ì˜ê²°ê¶� ë°� ì²˜ë¶„ê¶Œì€ ê³µë™ ê¶Œí•œìœ¼ë¡œ 보유ë˜ê³  있습니다. ë³� Amendment No. 3 Schedule 13GëŠ� 수ë™ì � ì§€ë¶� 보유ë¥� 공개하고, 해당 ì¦ê¶Œì� 발행ìžì˜ 지배권ì� 변경하거나 ì˜í–¥ì� 미치ê¸� 위해 ì·¨ë“ë˜ê±°ë‚� 보유ë˜ì§€ 않았ìŒì„ ì¦ëª…하는 ì¸ì¦ì� í¬í•¨í•©ë‹ˆë‹�.

John P. Neary, agissant uniquement en qualité de co-trustee du Marital Trust U/A Donald A. Foss Trust, déclare la titularité bénéficiaire de 852,797 actions ordinaires de Credit Acceptance Corporation, représentant 7.6% de la classe en circulation d'après le nombre d'actions communiqué par l'émetteur, soit 11,237,661. Le dépôt indique aucun pouvoir de vote ou de disposition exclusif ; tous les pouvoirs de vote et de disposition sur les 852,797 actions sont détenus en pouvoir partagé. Cet Amendement n°3 au Schedule 13G révèle une participation passive et inclut une certification selon laquelle les titres n'ont pas été acquis ni détenus dans le but de modifier ou d'influencer le contrôle de l'émetteur.

John P. Neary handelt ausschließlich als Co-Trustee des Marital Trust U/A Donald A. Foss Trust und meldet wirtschaftliches Eigentum an 852,797 Stammaktien der Credit Acceptance Corporation, was 7.6% der ausstehenden Klasse entspricht, basierend auf der vom Emittenten gemeldeten Aktienanzahl von 11,237,661. Die Meldung weist keine alleinigen Stimm- oder Verfügungsbefugnisse aus; sämtliche Stimm- und Verfügungsbefugnisse an den 852,797 Aktien werden als gemeinsam ausgeübte Befugnisse gehalten. Dieser Nachtrag Nr. 3 zum Schedule 13G offenbart eine passive Beteiligung und enthält eine Bestätigung, dass die Wertpapiere nicht erworben oder gehalten wurden, um die Kontrolle über den Emittenten zu ändern oder zu beeinflussen.

Positive
  • Material disclosure: Beneficial ownership of 852,797 shares (7.6%) provides transparency to investors about a significant holder.
  • Passive posture certified: The filing includes a certification that the securities are not held to change or influence control, indicating no declared activist intent.
Negative
  • No sole control: The reporting person has 0 sole voting and 0 sole dispositive power, limiting direct influence over corporate decisions.

Insights

TL;DR: A material passive stake of 7.6% is disclosed, signalling a significant but non-controlling investor position.

The filing reports a substantial beneficial holding equal to 7.6% of the company, which exceeds standard 5% disclosure thresholds and therefore is material to ownership breakdowns. Because all authority is reported as shared rather than sole, the position appears passive rather than an active control or proxy effort. For analysts, this means the stake could influence block voting scenarios but is unlikely to represent a direct change in governance absent further coordination or filings.

TL;DR: Ownership is meaningful for shareholder composition but shows limited direct control by the reporting trustee.

From a governance perspective, 7.6% held by a trust as shared voting/dispositive power is noteworthy for quorum and large-holder visibility. The certification that holdings are not intended to affect control and the absence of sole voting or dispositive power indicate a passive posture. Directors and governance committees should note the concentration as part of shareholder mapping, but the filing does not signal an imminent governance campaign.

John P. Neary, in qualità di co-trustee che agisce esclusivamente del Marital Trust U/A Donald A. Foss Trust, dichiara la titolarità beneficiaria di 852,797 azioni ordinarie di Credit Acceptance Corporation, pari al 7.6% della classe in circolazione in base al numero di azioni segnalato dall'emittente di 11,237,661. La comunicazione indica assenza di potere di voto o dispositivi in via esclusiva; tutta l'autorità di voto e dispositiva sulle 852,797 azioni è esercitata come potere condiviso. Questo Emendamento n. 3 al Schedule 13G rivela una partecipazione passiva e include una certificazione che i titoli non sono stati acquisiti né detenuti per modificare o influenzare il controllo dell'emittente.

John P. Neary, actuando únicamente como co-trustee del Marital Trust U/A Donald A. Foss Trust, declara la propiedad beneficiaria de 852,797 acciones ordinarias de Credit Acceptance Corporation, que representan el 7.6% de la clase en circulación según el recuento de 11,237,661 acciones informado por el emisor. La presentación indica que no existe poder exclusivo de voto ni de disposición; toda la autoridad de voto y dispositiva sobre las 852,797 acciones se ejerce como poder compartido. Esta Enmienda n.º 3 del Schedule 13G revela una participación pasiva e incluye una certificación de que los valores no fueron adquiridos ni mantenidos para cambiar o influir en el control del emisor.

John P. NearyëŠ� Marital Trust U/A Donald A. Foss Trustì� ê³µë™ ìˆ˜íƒìž�(co-trustee)로서ë§� í–‰ë™í•˜ë©°, Credit Acceptance Corporationì� 보통ì£� 852,797ì£¼ì— ëŒ€í•� 실소유권ì� 보고합니ë‹�. ì´ëŠ” 발행회사가 ë³´ê³ í•� 11,237,661ì£¼ì˜ ë°œí–‰ ì£¼ì‹ ìˆ˜ë¥¼ 기준으로 해당 주ì‹êµ°ì˜ 7.6%ì—� 해당합니ë‹�. 제출서류ëŠ� ë‹¨ë… ì˜ê²°ê¶� ë˜ëŠ” ì²˜ë¶„ê¶Œì´ ì—†ìŒì� 나타내며, 852,797ì£¼ì— ëŒ€í•� 모든 ì˜ê²°ê¶� ë°� ì²˜ë¶„ê¶Œì€ ê³µë™ ê¶Œí•œìœ¼ë¡œ 보유ë˜ê³  있습니다. ë³� Amendment No. 3 Schedule 13GëŠ� 수ë™ì � ì§€ë¶� 보유ë¥� 공개하고, 해당 ì¦ê¶Œì� 발행ìžì˜ 지배권ì� 변경하거나 ì˜í–¥ì� 미치ê¸� 위해 ì·¨ë“ë˜ê±°ë‚� 보유ë˜ì§€ 않았ìŒì„ ì¦ëª…하는 ì¸ì¦ì� í¬í•¨í•©ë‹ˆë‹�.

John P. Neary, agissant uniquement en qualité de co-trustee du Marital Trust U/A Donald A. Foss Trust, déclare la titularité bénéficiaire de 852,797 actions ordinaires de Credit Acceptance Corporation, représentant 7.6% de la classe en circulation d'après le nombre d'actions communiqué par l'émetteur, soit 11,237,661. Le dépôt indique aucun pouvoir de vote ou de disposition exclusif ; tous les pouvoirs de vote et de disposition sur les 852,797 actions sont détenus en pouvoir partagé. Cet Amendement n°3 au Schedule 13G révèle une participation passive et inclut une certification selon laquelle les titres n'ont pas été acquis ni détenus dans le but de modifier ou d'influencer le contrôle de l'émetteur.

John P. Neary handelt ausschließlich als Co-Trustee des Marital Trust U/A Donald A. Foss Trust und meldet wirtschaftliches Eigentum an 852,797 Stammaktien der Credit Acceptance Corporation, was 7.6% der ausstehenden Klasse entspricht, basierend auf der vom Emittenten gemeldeten Aktienanzahl von 11,237,661. Die Meldung weist keine alleinigen Stimm- oder Verfügungsbefugnisse aus; sämtliche Stimm- und Verfügungsbefugnisse an den 852,797 Aktien werden als gemeinsam ausgeübte Befugnisse gehalten. Dieser Nachtrag Nr. 3 zum Schedule 13G offenbart eine passive Beteiligung und enthält eine Bestätigung, dass die Wertpapiere nicht erworben oder gehalten wurden, um die Kontrolle über den Emittenten zu ändern oder zu beeinflussen.






Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Rule 13d-1(b)
Rule 13d-1(c)
Rule 13d-1(d)






SCHEDULE 13G




Comment for Type of Reporting Person: *This percentage is calculated based upon total outstanding shares of 11,237,661 as of July 24, 2025, as set forth in the Issuer's Quarterly Report on Form 10-Q as filed with the SEC on July 31, 2025.


SCHEDULE 13G



John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981
Signature:/s/ John P. Neary
Name/Title:John P. Neary, Co-Trustee
Date:08/14/2025

FAQ

How many CACC shares does John P. Neary report owning?

852,797 shares of Credit Acceptance common stock.

What percentage of CACC does the reported stake represent?

7.6% of the outstanding common stock based on the issuer's reported share count of 11,237,661.

Does John P. Neary have sole voting or dispositive power over these shares?

No. The filing reports 0 sole voting and 0 sole dispositive power, with 852,797 shared voting and dispositive power.

On whose behalf is the stake held?

The shares are reported held by John P. Neary as co-trustee of the Marital Trust U/A Donald A. Foss Trust.

Does the filing indicate an intent to influence company control?

The filing includes a certification that the securities were not acquired and are not held to change or influence control of the issuer.
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Credit Services
Personal Credit Institutions
United States
SOUTHFIELD