CREDIT ACCEPTANCE CORP 10-Q

ITEM 5. OTHER INFORMATION During the quarter ended September 30, 2025, there were no Rule 10b5‑1 trading arrangements (as defined in Item 408(a) of Regulation S‑K) or non‑Rule 10b5‑1 trading arrangements (as defined in Item 408(c) of Regulation S‑K) adopted or terminated by any director or officer (as defined in Rule 16a‑1(f) under the Exchange Act) of Credit Acceptance Corporation, except for the following Rule 10b5-1 trading arrangements, each of which is intended to satisfy the affirmative defense of Rule 10b5‑1(c), that were adopted during such quarter: Name and Title of Director or Officer Date of Adoption of Trading Arrangement Aggregate Number of Securities to be Sold Pursuant to the Trading Arrangement Expiration Date of the Trading Arrangement (1) Kenneth S. Booth Chief Executive Officer and President; Director 8/15/2025 Up to 20,000 shares of common stock underlying employee stock options 11/2/2026 Nicholas J. Elliott Chief Alignment Officer 8/21/2025 Up to 13,950 shares of common stock underlying employee stock options 12/30/2026 Erin J. Kerber Chief Legal Officer 8/18/2025 Up to 24,625 shares of common stock underlying employee stock options 6/28/2027 Jonathan L. Lum Chief Operating Officer 9/4/2025 Up to 18,000 shares of common stock underlying employee stock options 10/30/2026 Jay D. Martin Chief Financial Officer 8/13/2025 Up to 12,000 shares of common stock underlying employee stock options 11/2/2026 Ravi Mohan Chief Technology Officer 9/24/2025 Up to 3,147 shares of common stock underlying employee restricted stock units (2) 9/22/2026 Andrew K. Rostami Chief Marketing and Product Officer 8/26/2025 Up to 1,606 shares of common stock underlying employee restricted stock units (2) 12/30/2025 Wendy A. Rummler Chief People Officer 8/13/2025 Up to 17,500 shares of common stock underlying employee stock options 11/2/2026 Daniel A. Ulatowski Chief Sales Officer 8/8/2025 Up to 20,000 shares of common stock underlying employee stock options 8/4/2026 (1) The trading arrangement permits transactions through and including the earlier of (i) the expiration date indicated and (ii) the date when all shares subject to the trading arrangement have been sold. (2) The aggregate number of shares to be sold will be reduced by the number of shares released to us as payment of tax withholdings upon the vesting of restricted stock units and the settlement of restricted stock units in shares of common stock. 68 Table of Contents ITEM 6. EXHIBITS Exhibit No. Description 4.156 Seventh Amendment to Loan and Security Agreement, dated as of July 11, 2025, among the Company, CAC Warehouse Funding LLC VI, and Flagstar Bank, N.A. (incorporated by reference to Exhibit 4.156 to the Company’s Current Report on Form 8-K filed July 16, 2025). 4.157 Sixth Amendment to Amended and Restated Loan and Security Agreement, dated as of July 30, 2025, among the Company, CAC Warehouse Funding LLC IV, Bank of Montreal, BMO Capital Markets Corp., and Computershare Trust Company, N.A. (incorporated by reference to Exhibit 4.157 to the Company’s Current Report on Form 8-K filed August 4, 2025). 4.158 Fourth Amendment to Loan and Security Agreement, dated as of September 19, 2025, among the Company, CAC Warehouse Funding LLC VIII, Citizens Bank, N.A., and Computershare Trust Company, N.A. (incorporated by reference to Exhibit 4.158 to the Company’s Current Report on Form 8-K filed September 24, 2025). 31.1 Certification of principal executive officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. 31.2 Certification of principal financial officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. 32.1 Certification of principal executive officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. 32.2 Certification of principal financial officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. 101(SCH) Inline XBRL Taxonomy Extension Schema Document. 101(CAL) Inline XBRL Taxonomy Extension Calculation Linkbase Document. 101(DEF) Inline XBRL Taxonomy Extension Definition Linkbase Document. 101(LAB) Inline XBRL Taxonomy Extension Label Linkbase Document. 101(PRE) Inline XBRL Taxonomy Extension Presentation Linkbase Document. 104 Cover Page Interactive Data File (included in the Exhibit 101 Inline XBRL Document Set). * Management contract or compensatory plan or arrangement. 69 Table of Contents SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. CREDIT ACCEPTANCE CORPORATION (Registrant) By: /s/ Jay D. Martin Jay D. Martin Chief Financial Officer (Principal Financial Officer) Date: October 30, 2025 70