Credit Acceptance Corporation (CACC): Neary reports 6.3% stake via trust on Schedule 13G/A

Rhea-AI Filing Summary

Credit Acceptance Corporation has an updated Schedule 13G/A reporting that John P. Neary, acting not individually but solely as co-trustee of the Marital Trust U/A Donald A. Foss Trust dated January 16, 1981, beneficially owns 652,797 shares of the company’s common stock. This represents 6.3% of the outstanding common stock, based on 10,380,580 shares outstanding as of July 23, 2026. All voting and dispositive authority over these shares is reported as shared, with 0 shares reported under Neary’s sole voting or dispositive power.

Key Figures

Beneficial ownership: 652,797 shares Percent of class: 6.3% Shares outstanding: 10,380,580 shares +4 more

7 metrics

Beneficial ownership 652,797 shares Shares of Credit Acceptance Corporation common stock beneficially owned by John P. Neary as co-trustee

Percent of class 6.3% Portion of Credit Acceptance Corporation common stock class beneficially owned

Shares outstanding 10,380,580 shares Credit Acceptance Corporation shares outstanding as of July 23, 2026 used to calculate ownership percentage

Sole voting power 0 shares Shares over which John P. Neary has sole voting power

Shared voting power 652,797 shares Shares over which John P. Neary has shared voting power

Sole dispositive power 0 shares Shares over which John P. Neary has sole dispositive power

Shared dispositive power 652,797 shares Shares over which John P. Neary has shared dispositive power

Key Terms

beneficially owned, shared voting power, shared dispositive power, Schedule 13G/A, +1 more

5 terms

beneficially owned financial

"Amount beneficially owned: 652,797 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 voting power financial

"Shared Voting Power 652,797.00"

Shared voting power occurs when two or more parties jointly have the right to vote or decide how a block of company shares is cast, like co-owners who must agree before moving a piece of furniture. Investors care because who controls voting rights affects board elections, major corporate decisions and takeover outcomes, and shared control can alter regulatory disclosures and the practical influence any holder has over a company’s direction and value.

shared dispositive power financial

"Shared Dispositive Power 652,797.00"

Schedule 13G/A regulatory

"form_type: "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.

CUSIP financial

"CUSIP No.: 225310101"

A CUSIP is a nine-character alphanumeric code that uniquely identifies a U.S. or Canadian financial security—such as a stock, bond, or fund share—like a Social Security number for an investment. It matters to investors because brokers, exchanges and record-keepers use the CUSIP to match trades, track ownership, settle transactions and pull accurate records, reducing errors and ensuring money and securities go to the right place.

FAQ

What ownership stake in CACC does John P. Neary report on this Schedule 13G/A?

The filing reports that John P. Neary beneficially owns 652,797 shares of Credit Acceptance Corporation common stock, representing 6.3% of the class, held in his capacity as co-trustee of the Marital Trust U/A Donald A. Foss Trust.

How is voting power over CACC shares allocated for John P. Neary in this Schedule 13G/A?

The report shows 0 shares under Neary’s sole voting power and 652,797 shares under shared voting power. This means all reported voting authority is shared, consistent with his role as co-trustee of the referenced trust.

What percentage of Credit Acceptance Corporation’s outstanding shares does 652,797 shares represent?

The filing states that 652,797 shares represent 6.3% of Credit Acceptance Corporation’s common stock. This percentage is calculated using 10,380,580 shares outstanding as of July 23, 2026, as cited from the company’s Form 10-Q.

Does John P. Neary have sole dispositive power over any CACC shares in this filing?

No. The Schedule 13G/A reports that Neary has 0 shares with sole dispositive power and 652,797 shares with shared dispositive power, reflecting his role as co-trustee of the Marital Trust U/A Donald A. Foss Trust.

In what capacity is John P. Neary reporting ownership of CACC stock?

Neary is reporting ownership not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust dated January 16, 1981. The 652,797 shares and related voting and dispositive powers are associated with this trust relationship.

What share count did CACC report outstanding that underlies the 6.3% figure in this Schedule 13G/A?

The 6.3% ownership figure is based on 10,380,580 shares of Credit Acceptance Corporation common stock outstanding as of July 23, 2026, as reported in the company’s Form 10-Q filed on August 4, 2026.

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Available on EDGAR 08/13/2026 - 04:31 PM Accepted by SEC EDGAR 08/13/2026 - 04:30 PM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 5)

Credit Acceptance Corporation

(Name of Issuer)

Common Stock

(Title of Class of Securities)

225310101

(CUSIP Number)

06/30/2026

(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 652,797.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 652,797.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

652,797.00

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)

6.3 %

12

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person: The percentage is calculated based upon total outstanding shares of 10,380,580 as of July 23, 2026, as set forth in the Issuer's Quarterly Report on Form 10-Q, filed with the SEC on August 4, 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: 652,797 shares of Common Stock
(b)	Percent of class: 6.3%
(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: 652,797
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 652,797
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:	08/13/2026