Credit Acceptance Corp (CACC) director reports gift, holds 101,557 shares

Rhea-AI Filing Summary

Credit Acceptance Corp director reports stock gift

Director Jill Foss Watson, acting as Trustee of the Jill Foss Watson Living Trust, reported a gift of 550 shares of Credit Acceptance Corp common stock on 12/16/2025, shown with transaction code "G" and a price of $0, indicating a non-cash transfer. After this transaction, the trust continues to hold 101,557 shares, reported as indirectly owned. The filing is made by a single reporting person and clarifies that the shares are owned of record by Jill Foss Watson as trustee of the living trust.

Insider Trade Summary

550 shares gifted

Mixed 1 txn

Insider Watson Jill Foss

Role 10% Owner

Type	Security	Shares	Price	Value
Gift	Common Stock	550	$0.00	--

Holdings After Transaction: Common Stock — 101,557 shares (Indirect, See footnote 1)

Footnotes (1)

1. [object Object]

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Watson Jill Foss

(Last) (First) (Middle)

C/O UBS FINANCIAL SERVICES INC.

1000 HARBOR BLVD, 3RD FLOOR

(Street)

WEEHAWKEN NJ 07086

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CREDIT ACCEPTANCE CORP [ CACC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/16/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/16/2025		G		550	D	$0	101,557	I	See footnote 1(1)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. These shares are owned of record by Jill Foss Watson, as Trustee of the Jill Foss Watson Living Trust.

	/s/ Jill Foss Watson, Trustee	12/18/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Credit Acceptance Corp (CACC) disclose in this filing?

The filing reports that Jill Foss Watson, as Trustee of the Jill Foss Watson Living Trust, made a gift of 550 shares of Credit Acceptance Corp common stock on 12/16/2025, coded as transaction type "G" at a price of $0.

How many Credit Acceptance Corp (CACC) shares does the reporting person own after the transaction?

Following the reported gift, the form shows that the reporting person indirectly owns 101,557 shares of Credit Acceptance Corp common stock through the Jill Foss Watson Living Trust.

Who is the reporting person in this Credit Acceptance Corp (CACC) insider filing?

The reporting person is Jill Foss Watson, acting as Trustee of the Jill Foss Watson Living Trust, which is identified as the record owner of the reported Credit Acceptance Corp shares.

What does transaction code "G" mean in this Credit Acceptance Corp (CACC) Form 4 table?

In the transaction table, the common stock entry on 12/16/2025 uses transaction code "G" with a price of $0, indicating the reported movement of 550 shares was a gift rather than a market purchase or sale.

Is the ownership of Credit Acceptance Corp (CACC) shares direct or indirect for this insider?

The filing classifies the 101,557 shares as indirectly owned, with the nature of ownership described in the footnote as shares owned of record by the Jill Foss Watson Living Trust.

What is the relationship of the reporting person to Credit Acceptance Corp (CACC)?

The relationship section of the form indicates that the reporting person is a Director of Credit Acceptance Corp.