{"filing":{"accession_number":"0001084961-26-000048","cik":"0001084961","ticker":"ECPG","company_name":"ENCORE CAPITAL GROUP INC","form":"8-K","filing_date":"2026-05-29","report_date":null,"primary_document":"ck0001084961-20260528.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000048/ck0001084961-20260528.htm"},"events":[{"id":8039,"run_id":7055,"accession_number":"0001084961-26-000048","anchor_item_number":"1.01","event_type":"ma_activity","event_domain":"operational","is_material":true,"confidence":0.75,"summary":"Encore Capital Group issued €325.0 million in senior secured floating rate notes due 2033 pursuant to a definitive indenture agreement. This material debt financing, with senior secured status and guarantees from material subsidiaries, affects the company's capital structure and financial obligations.","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-05-29","form":"8-K","submitted_at":null,"items":[{"id":2595,"accession_number":"0001084961-26-000048","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 issued €325.0 million in senior secured floating rate notes due 2033 pursuant to a definitive indenture agreement. While this is a debt issuance rather than a traditional M\u0026A transaction, Item 1.01 covers \"entry into a material definitive agreement,\" and the substantial principal amount, senior secured status with guarantees from material subsidiaries, and multi-year maturity (7 years) make this a material financing event that would affect a reasonable investor's assessment of the company's capital structure and financial obligations. The closest taxonomy fit is ma_activity, though this is primarily a debt financing rather than an acquisition or disposition.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-30T02:06:00.520905+00:00","company_name":"","ticker":null,"filing_date":""},{"id":2596,"accession_number":"0001084961-26-000048","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 a material acquisition or merger), covenant_breach (if a default triggered new obligations), or another material event. The materiality is clear given Item 2.03 filing, but the event classification remains ambiguous.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-30T02:06:00.520905+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":2595,"accession_number":"0001084961-26-000048","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 issued €325.0 million in senior secured floating rate notes due 2033 pursuant to a definitive indenture agreement. While this is a debt issuance rather than a traditional M\u0026A transaction, Item 1.01 covers \"entry into a material definitive agreement,\" and the substantial principal amount, senior secured status with guarantees from material subsidiaries, and multi-year maturity (7 years) make this a material financing event that would affect a reasonable investor's assessment of the company's capital structure and financial obligations. The closest taxonomy fit is ma_activity, though this is primarily a debt financing rather than an acquisition or disposition.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-30T02:06:00.520905+00:00","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-05-29"},{"id":2596,"accession_number":"0001084961-26-000048","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 a material acquisition or merger), covenant_breach (if a default triggered new obligations), or another material event. The materiality is clear given Item 2.03 filing, but the event classification remains ambiguous.","classifier_version":"claude-haiku-4-5-20251001+prompt-9e0ffca5","taxonomy_version":"v1","classified_at":"2026-05-30T02:06:00.520905+00:00","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-05-29"}]}