9 unchanged sentences
No disclosures are generally made for any loss contingencies that are deemed to be remote.
−Removed: As we have previously disclosed, we were named as a defendant in one litigation case that involves refunds of mortgage insurance premiums under the Homeowners Protection Act (the HPA).
−Removed: In September 2023, the United States District Court for the Eastern District of Virginia (the District Court) granted our motion to dismiss the case.
−Removed: Subsequently, the plaintiff filed a notice of appeal in October 2023, appealing the District Court’s decision to the United States Court of Appeals for the Fourth Circuit (the Fourth Circuit).
−Removed: In June 2025, the Fourth Circuit affirmed the District Court's dismissal of the plaintiff's claim under the HPA.
Based upon information available to us and our review of lawsuits and claims filed or pending against us to date, we have not recognized a material accrual liability for these matters, nor do we currently expect it is reasonably possible that these matters will result in a material liability to the Company.
1 unchanged sentence
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.