65 unchanged sentences
Cyber-attacks, including ransomware, are constantly evolving, increasing the difficulty of detecting, responding to, and successfully defending against them.
−Removed: We also may face heightened risk due to our remote workforce, use of third-party services, and digital operations.
+Added: We also may face heightened risk due to our use of third-party services, digital operations, and hybrid workforce.
Our security measures vary in maturity across the business, and some of our peers may have more mature cybersecurity programs, which could impact our ability to market and sell our products and services.
93 unchanged sentences
Several consumer financial laws like the Truth in Lending Act and Fair Credit Reporting Act grant enforcement or litigation authority to state attorneys general.
−Removed: We are subject to potential changes in federal and state law, which could lower the interest-rate limit that non-depository financial institutions may charge for consumer loans or could expand the definition of interest under federal and state law to include the cost of optional products, such as insurance.
−Removed: Such changes could limit our interest income, insurance revenues, and other revenue, which could have a material adverse effect on our financial condition and results of operations.
+Added: We are subject to potential changes in federal and state law, which could lower the interest-rate limit that non-depository financial institutions may charge for consumer loans or on credit card balances, or could expand the definition of interest under federal and state law to include the cost of optional products, such as insurance.
+Added: Any such changes could limit our interest income, insurance revenues, and other revenue, which could have a material adverse effect on our financial condition and results of operations.
We may not be able to maintain all requisite licenses and permits, and the failure to satisfy those or other regulatory requirements could have a material adverse effect on our operations.
144 unchanged sentences
As a result, we cannot give assurance that OMH will continue to pay dividends on its common stock in future periods, even if liquidity and target leverage objectives are met.
−Removed: See our “Dividend Policy” in Part II - Item 5 of this report for further information on dividends.
−Removed: Certain provisions of our Stockholders Agreement, restated certificate of incorporation, and amended and restated bylaws could hinder, delay or prevent a change in control of OMH, which could adversely affect the price of OMH's common stock.
−Removed: The Stockholders Agreement, OMH's restated certificate of incorporation, and OMH’s amended and restated bylaws contain provisions that could make it more difficult for a third party to acquire us without the consent of the Board.
+Added: See our “Dividend Policy” in Part II - Item 5 in this report for further information on dividends.
+Added: Certain provisions of our restated certificate of incorporation and amended and restated bylaws could hinder, delay or prevent a change in control of OMH, which could adversely affect the price of OMH's common stock.
+Added: OMH's restated certificate of incorporation and OMH’s amended and restated bylaws contain provisions that could make it more difficult for a third party to acquire us without the consent of the Board.
These provisions provide for:
• a classified Board with staggered three-year terms;
−Removed: • certain rights with respect to the designation of directors for nomination and election to the Board based on established levels of beneficial ownership of OMH;
• removal of directors only for cause and only with the affirmative vote of at least 80% of the voting interest of stockholders entitled to vote;
6 unchanged sentences
See additional information under “Business Overview” in Item 1 of this report.
−Removed: The terms of the Amended and Restated Stockholders Agreement are described in OMH's Current Report on Form 8-K filed with the SEC on June 25, 2018, and such Current Report on Form 8-K is incorporated by reference herein in its entirety.
Licensing and insurance laws and regulations may delay or impede purchases of OMH's common stock.
50 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.