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Credit Acceptance (CACC) officer logs tax-related withholding and 16,000 share option position

Filing Impact
(Moderate)
Filing Sentiment
(Negative)
Form Type
4

Rhea-AI Filing Summary

Credit Acceptance Corp's Chief Marketing and Product Officer, Andrew K. Rostami, reported a routine tax-related share withholding tied to equity compensation. On January 31, 2026, 308.6 shares of common stock were withheld at $498.24 per share to cover tax obligations from vesting restricted stock units.

Following this transaction, Rostami directly beneficially owned 23,564.4 shares of common stock. He also held an employee stock option for 16,000 shares at an exercise price of $585.93 per share, expiring on April 18, 2028, which vests in four equal annual installments that began on April 18, 2023.

Positive

  • None.

Negative

  • None.
Insider Rostami Andrew K
Role Chief Mktg and Product Officer
Type Security Shares Price Value
Tax Withholding Common Stock 308.6 $498.24 $154K
holding Employee Stock Option (right to buy) -- -- --
Holdings After Transaction: Common Stock — 23,564.4 shares (Direct); Employee Stock Option (right to buy) — 16,000 shares (Direct)
Footnotes (1)
  1. Shares withheld to satisfy tax withholding obligations in conjunction with the vesting and settlement of restricted stock units to shares of common stock. The option, representing a right to purchase 16,000 shares, is exercisable in four equal annual installments beginning on April 18, 2023, which was the first anniversary of the date on which the option was granted.
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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*
Rostami Andrew K
(Last) (First) (Middle)
25505 WEST TWELVE MILE ROAD
(Street)
SOUTHFIELD MI 48034
(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 10% Owner
X Officer (give title below) Other (specify below)
Chief Mktg and Product Officer
3. Date of Earliest Transaction (Month/Day/Year)
01/31/2026
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 01/31/2026 F 308.6(1) D $498.24 23,564.4 D
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
Employee Stock Option (right to buy) $585.93 (2) 04/18/2028 Common Stock 16,000 16,000 D
Explanation of Responses:
1. Shares withheld to satisfy tax withholding obligations in conjunction with the vesting and settlement of restricted stock units to shares of common stock.
2. The option, representing a right to purchase 16,000 shares, is exercisable in four equal annual installments beginning on April 18, 2023, which was the first anniversary of the date on which the option was granted.
Remarks:
/s/ Andrew K. Rostami 02/03/2026
** 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.

Source: View Original Filing on SEC EDGAR