[Form 3] CREDITRISKMONITOR COM INC Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Lawrence Fensterstock filed an Initial Statement of Beneficial Ownership (Form 3) reporting a grant of a stock option from CREDITRISKMONITOR COM INC (CRMZ). The option covers 5,000 shares of common stock, is exercisable on 09/18/2025 with an expiration date of 09/18/2033, and has an exercise price of $2.33. Fensterstock is identified as a Director and the form was filed by one reporting person. The filing includes an attached Exhibit 24.1 power of attorney and is signed by Jennifer Gerold as Attorney-in-Fact on 09/24/2025.

Positive

• Initial disclosure filed meeting Section 16(a) transparency requirements
• Specific option terms provided: 5,000 shares, exercisable 09/18/2025, expiration 09/18/2033, exercise price $2.33
• Power of Attorney (Exhibit 24.1) attached, indicating authorized filing by attorney-in-fact

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Routine initial ownership disclosure for a director showing option grant terms; standard governance transparency.

The Form 3 documents an initial beneficial ownership report for a director-level insider, specifying a 5,000-share option with a defined exercisability and expiration window and a set exercise price. This satisfies Section 16(a) disclosure requirements and increases transparency about insider incentives. The inclusion of Exhibit 24.1 indicates proper execution authority for the filing. No additional governance actions, departures, or related-party transactions are disclosed in this filing.

Securities Analyst

TL;DR: Non-material single-option disclosure; informs cap table and potential dilution but is immaterial on its own.

The reported equity interest is a stock option for 5,000 shares exercisable immediately on the reported date and expiring in 2033 at an exercise price of $2.33. As an initial Form 3, this documents insider ownership that could lead to future share issuance if exercised, but the filing contains no other economic terms or material transactions that would likely affect valuation by itself.

SEC Form 3

FORM 3

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

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

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

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1. Name and Address of Reporting Person^*

Fensterstock Lawrence

(Last) (First) (Middle)

9107 WEST RUSSELL ROAD

SUITE 100

(Street)

LAS VEGAS NV 89148

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
09/18/2025

3. Issuer Name and Ticker or Trading Symbol
CREDITRISKMONITOR COM INC [ CRMZ ]

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

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

5. 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 Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option	09/18/2025	09/18/2033	Common Stock	5,000	$2.33	D

Explanation of Responses:

Remarks:

Exhibit 24.1 (Power of Attorney) attached.

	/s/ Jennifer Gerold as Attorney-in-Fact for Lawrence Fensterstock	09/24/2025
	** 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 5 (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 did the Form 3 filed for CRMZ disclose?

The Form 3 reports that Lawrence Fensterstock (a director) holds a stock option for 5,000 shares of CRMZ common stock, exercisable 09/18/2025 and expiring 09/18/2033 at an exercise price of $2.33.

What is the reporting relationship of Lawrence Fensterstock to CRMZ?

The filing identifies Lawrence Fensterstock as a Director of CREDITRISKMONITOR COM INC (CRMZ).

When was the event requiring the Form 3 reported?

The Date of Event Requiring Statement is 09/18/2025 and the form was signed by an attorney-in-fact on 09/24/2025.

Who signed the Form 3 filing for Fensterstock?

The filing is signed by Jennifer Gerold as Attorney-in-Fact for Lawrence Fensterstock.

Does the filing include supporting exhibits?

Yes; the filing indicates Exhibit 24.1 (Power of Attorney) is attached.