CACC CTO holds 16,000 options at $424.12; RSU tax withholding

Rhea-AI Filing Summary

Credit Acceptance (CACC) reported insider activity by its Chief Technology Officer. On 10/24/2025, the officer had 1,269.5 common shares withheld at $506.56 per share to satisfy tax obligations upon the vesting and settlement of restricted stock units.

Following the transaction, the officer beneficially owned 27,317.62 common shares. This figure includes 23,458 unvested RSUs granted under the company’s Incentive Compensation Plan, each representing one share. The officer also holds an employee stock option for 16,000 shares at an exercise price of $424.12, vesting in four equal annual installments beginning on October 24, 2023, and expiring on October 24, 2028.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Valiyaveettil Ravi Mohan

Role Chief Technology Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	1,269.5	$506.56	$643K
holding	Employee Stock Option (right to buy)	--	--	--

Holdings After Transaction: Common Stock — 27,317.62 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. Includes 23,458 unvested restricted stock units that were granted under the Company's Incentive Compensation Plan. Each restricted stock unit represents and has a value equal to one share of common stock of Credit Acceptance Corporation. The option vests in four equal annual installments beginning on October 24, 2023, which was the first anniversary of the date on which the option was granted.

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^*

Valiyaveettil Ravi Mohan

(Last) (First) (Middle)

25505 WEST TWELVE MILE RD

(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 Technology Officer

3. Date of Earliest Transaction (Month/Day/Year)
10/24/2025

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	10/24/2025		F		1,269.5(1)	D	$506.56	27,317.62(2)	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)	$424.12							(3)	10/24/2028	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. Includes 23,458 unvested restricted stock units that were granted under the Company's Incentive Compensation Plan. Each restricted stock unit represents and has a value equal to one share of common stock of Credit Acceptance Corporation.

3. The option vests in four equal annual installments beginning on October 24, 2023, which was the first anniversary of the date on which the option was granted.

Remarks:

	/s/ Ravi Mohan Valiyaveettil	10/28/2025
	** 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 CACC's CTO report?

A tax-withholding event where 1,269.5 common shares were withheld at $506.56 per share on 10/24/2025 tied to RSU vesting.

How many CACC shares does the reporting person own after the transaction?

Beneficial ownership is 27,317.62 common shares after the reported transaction.

How many unvested RSUs does the CACC CTO have?

The officer has 23,458 unvested RSUs, each equivalent to one share of common stock.

What stock options does the CACC CTO hold?

An employee stock option covering 16,000 shares at an exercise price of $424.12.

When do the CTO’s options vest and expire?

They vest in four equal annual installments beginning on October 24, 2023 and expire on October 24, 2028.

What was the price used for the tax withholding on CACC shares?

The withholding price was $506.56 per share.