{"filing":{"accession_number":"0001084961-26-000046","cik":"0001084961","ticker":"ECPG","company_name":"ENCORE CAPITAL GROUP INC","form":"8-K","filing_date":"2026-05-26","report_date":null,"primary_document":"ck0001084961-20260522.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000046/ck0001084961-20260522.htm"},"events":[{"id":8944,"run_id":7850,"accession_number":"0001084961-26-000046","anchor_item_number":"1.01","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.75,"summary":"Encore Capital Group entered into a material definitive agreement on May 22, 2026, issuing $750 million in senior secured notes due 2032 with subsidiary guarantees and asset collateral, materially affecting the company's capital structure and financial obligations.","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-05-26","form":"8-K","submitted_at":null,"items":[{"id":1400,"accession_number":"0001084961-26-000046","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.75,"reasoning":"Encore Capital Group entered into a material definitive agreement on May 22, 2026, issuing $750 million in senior secured notes due 2032. While this is a debt issuance rather than a traditional M\u0026A transaction, Item 1.01 captures \"entry into a material definitive agreement,\" and the indenture governing the notes constitutes such an agreement. The $750 million principal amount and senior secured status with subsidiary guarantees and asset collateral make this material to investors assessing the company's capital structure and financial obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-27T02:06:32.342959+00:00","company_name":"","ticker":null,"filing_date":""},{"id":1401,"accession_number":"0001084961-26-000046","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"other_material","event_domain":"catchall","is_material":true,"confidence":0.45,"reasoning":"Item 2.03 discloses creation of a direct financial obligation, which typically signals material debt or financing activity. However, the section merely incorporates Item 1.01 by reference without disclosing the underlying obligation details in this Item. Without access to Item 1.01 content, the specific event type cannot be determined—it could be ma_activity (if Item 1.01 covers an acquisition), covenant_breach (if a default triggered new obligations), or another material event. Classified as other_material pending visibility of the referenced Item 1.01.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-27T02:06:32.342959+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":1400,"accession_number":"0001084961-26-000046","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.75,"reasoning":"Encore Capital Group entered into a material definitive agreement on May 22, 2026, issuing $750 million in senior secured notes due 2032. While this is a debt issuance rather than a traditional M\u0026A transaction, Item 1.01 captures \"entry into a material definitive agreement,\" and the indenture governing the notes constitutes such an agreement. The $750 million principal amount and senior secured status with subsidiary guarantees and asset collateral make this material to investors assessing the company's capital structure and financial obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-27T02:06:32.342959+00:00","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-05-26"},{"id":1401,"accession_number":"0001084961-26-000046","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"other_material","event_domain":"catchall","is_material":true,"confidence":0.45,"reasoning":"Item 2.03 discloses creation of a direct financial obligation, which typically signals material debt or financing activity. However, the section merely incorporates Item 1.01 by reference without disclosing the underlying obligation details in this Item. Without access to Item 1.01 content, the specific event type cannot be determined—it could be ma_activity (if Item 1.01 covers an acquisition), covenant_breach (if a default triggered new obligations), or another material event. Classified as other_material pending visibility of the referenced Item 1.01.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-27T02:06:32.342959+00:00","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-05-26"}]}