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What changed 10-K
Item 3. Legal Proceedings
2026-02-12 compared with 2025-02-14 · 0 added, 4 removed, 14 unchanged (22% of the section changed)
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.
−Removed: In September 2023, the United States District Court for the Eastern District of Virginia 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.
−Removed: The appeal is currently pending.
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.
3 unchanged sentences
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.