Credit Acceptance (CACC) co-trustee holds 710,297 shares, 6.8% stake

Rhea-AI Filing Summary

Credit Acceptance Corporation ownership update: John P. Neary, solely as co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981, reports 710,297 shares of Common Stock, representing 6.8% of the class. The percentage is calculated using 10,460,071 shares outstanding as of April 23, 2026, per the issuer's Form 10-Q filed May 5, 2026.

Insights

Corporate Governance Specialist

Trust-level holding discloses significant shared control over 6.8% of CACC.

The filing shows 710,297 shares held with shared voting and dispositive power, indicating the co-trustee reports authority shared with other fiduciaries. The filing attributes the position to the marital trust structure rather than individual direct ownership.

Implications depend on trustee decisions; filings list the position and voting power but do not state voting intentions. Subsequent Schedule 13D/13G amendments would disclose any change in intent or plans.

Securities Compliance Analyst

Amendment corrects or updates beneficial ownership disclosure under Rule 13G.

The form is an amendment to a Schedule 13G, naming the filer as a co-trustee and specifying shared voting/dispositive power for 710,297 shares (6.8%). The percentage basis is explicitly tied to April 23, 2026 outstanding shares from a Form 10-Q.

Timing and cash‑flow treatment are not stated in the excerpt; future amendments would disclose changes in holdings or intentions if they arise.

Key Figures

Shares beneficially owned: 710,297 shares Percent of class: 6.8% Shares outstanding (basis): 10,460,071 shares

3 metrics

Shares beneficially owned 710,297 shares Common Stock reported on Schedule 13G/A

Percent of class 6.8% Calculated using outstanding shares as of April 23, 2026

Shares outstanding (basis) 10,460,071 shares Outstanding shares as of April 23, 2026 per Form 10-Q filed May 5, 2026

Key Terms

Schedule 13G/A, Beneficially owned, Shared dispositive power

3 terms

Schedule 13G/A regulatory

"Amendment No. 4 and the header identifying the filing as a Schedule 13G/A"

A Schedule 13G/A is an amended public filing with the U.S. securities regulator that updates a previous Schedule 13G, disclosing when an individual or group holds a substantial (typically over 5%) stake in a company and is claiming a passive, non‑controlling intent. Investors monitor these updates because rising or falling holdings can signal changing confidence, potential future moves, or shifts in voting power — like watching a public ledger where large shareholders quietly adjust their positions.

Beneficially owned financial

"Item 4(a) Amount beneficially owned: 710,297 shares of Common Stock"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

Shared dispositive power regulatory

"(iv) Shared power to dispose or to direct the disposition of: 710,297"

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 4)

Credit Acceptance Corporation

(Name of Issuer)

Common Stock

(Title of Class of Securities)

225310101

(CUSIP Number)

03/31/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 225310101

1

Names of Reporting Persons

John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 710,297.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 710,297.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

710,297.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.8 %

12

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person: The percentage is calculated based upon total outstanding shares of 10,460,071 as of April 23, 2026, as set forth in the Issuer's Quarterly Report on Form 10-Q, filed with the SEC on May 5, 2026.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Credit Acceptance Corporation
(b)	Address of issuer's principal executive offices: 25505 West Twelve Mile Road, Southfield, MI 48034-8339
Item 2.
(a)	Name of person filing: John P. Neary
(b)	Address or principal business office or, if none, residence: 255 E Brown Street, Suite 200, Birmingham, MI 48009
(c)	Citizenship: John P. Neary is a Citizen of the United States
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 225310101
Item 4.	Ownership
(a)	Amount beneficially owned: 710,297 shares of Common Stock
(b)	Percent of class: 6.8%
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 710,297
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 710,297
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981

Signature:	/s/ John P. Neary
Name/Title:	John P. Neary, Co-Trustee
Date:	05/15/2026

FAQ

What stake does John P. Neary report in CACC?

He reports 710,297 shares of Common Stock, representing 6.8% of the class based on 10,460,071 outstanding shares as of April 23, 2026.

In what capacity is the filing made for CACC?

The filing is made by John P. Neary not individually but as co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981, indicating trust-level beneficial ownership and shared trustee authority.

How is the 6.8% ownership percentage calculated?

The percentage uses an outstanding share count of 10,460,071 shares as of April 23, 2026, cited from the issuer's Form 10-Q filed May 5, 2026 as the basis for the calculation.

Does the filer report sole voting or dispositive power for these shares?

No. The filing shows 0 shares with sole voting power and 710,297 shares with shared voting and shared dispositive power, indicating shared control among trustees or related parties.

When was this Schedule 13G/A signed?

The filing is signed by /s/ John P. Neary with an execution date of May 15, 2026, which appears on the signature block of the amendment.