Western Union clears HSR hurdle for IMXI merger

The Western Union Company reported a key regulatory step for its planned acquisition of International Money Express, Inc. (IMXI).

Accepted by SEC EDGAR 10/07/2025 - 04:06 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

The Western Union Company reported a key regulatory step for its planned acquisition of International Money Express, Inc. (IMXI). The two companies previously signed a Merger Agreement under which a Western Union subsidiary will merge into IMXI, leaving IMXI as the surviving company and a wholly owned subsidiary of Western Union.

The waiting period under the U.S. antitrust law known as the Hart-Scott-Rodino Act expired at 11:59 p.m. Eastern Time on October 6, 2025, satisfying an important merger condition. The companies expect the transaction to close in mid-2026, subject to remaining regulatory approvals, approval by IMXI stockholders, and other customary closing conditions. Western Union and IMXI issued a joint press release on October 7, 2025 to announce the HSR waiting period expiration.

Positive

• Key U.S. antitrust milestone achieved: Expiration of the Hart-Scott-Rodino waiting period on October 6, 2025 removes a major regulatory condition to closing Western Union’s planned IMXI acquisition.

Negative

• None.

Insights

M&A and regulatory risk analyst

HSR clearance advances Western Union’s planned IMXI acquisition but closing still depends on several remaining approvals.

The disclosure shows that Western Union and International Money Express (IMXI) have cleared a major U.S. antitrust hurdle for their merger. The Hart-Scott-Rodino waiting period expired at 11:59 p.m. Eastern Time on October 6, 2025, which is one of the specified conditions for completing the deal. Under the Merger Agreement, a Western Union subsidiary will merge into IMXI, leaving IMXI as a wholly owned subsidiary.

Even with HSR clearance, the combination is not yet complete. The closing is described as expected in mid-2026, and still requires additional regulatory approvals, approval by IMXI stockholders, and satisfaction or waiver of other customary conditions. The joint press release dated October 7, 2025 signals that the parties view this as a notable milestone, but actual completion will depend on how quickly remaining regulators act and whether IMXI stockholders approve the deal.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Western Union (WU) announce regarding its merger with International Money Express (IMXI)?

Western Union announced that the Hart-Scott-Rodino Act waiting period for its planned merger with International Money Express, Inc. (IMXI) expired at 11:59 p.m. Eastern Time on October 6, 2025, satisfying an important regulatory condition for closing the transaction.

What is the structure of the Western Union and IMXI merger?

Under the Merger Agreement, a wholly owned Western Union subsidiary called Ivey Merger Sub, Inc. will merge with and into IMXI, and IMXI will be the surviving corporation and become a wholly owned subsidiary of Western Union.

Does the expiration of the HSR waiting period mean the Western Union–IMXI deal is complete?

No. The HSR waiting period expiration is one key condition, but the merger is still subject to other regulatory approvals, approval by IMXI’s stockholders, and satisfaction or waiver of additional customary closing conditions before it can be completed.

When is the Western Union and IMXI merger expected to close?

The companies state that the transaction is expected to close in mid-2026, assuming remaining regulatory approvals are obtained, IMXI stockholders approve the deal, and other customary closing conditions are met or waived.

Did Western Union and IMXI issue any public communication about the HSR milestone?

Yes. On October 7, 2025, Western Union and IMXI issued a joint press release announcing the expiration of the Hart-Scott-Rodino waiting period, which is attached as Exhibit 99.1 and incorporated by reference.

What exhibits are included with Western Union’s disclosure about the IMXI merger milestone?

The disclosure includes Exhibit 99.1, a joint press release from Western Union and IMXI dated October 7, 2025, and Inline XBRL-related items for the cover page as Exhibits 101 and 104.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 7, 2025

THE WESTERN UNION COMPANY

(Exact name of registrant as specified in its charter)

Delaware			001-32903	20-4531180
(State or other jurisdiction of incorporation)			(Commission File Number)	(IRS Employer Identification No.)
7001 East Belleview Avenue
Denver, Colorado				80237
(Address of principal executive offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 866 405-5012

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

	☐		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
	☐		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
	☐		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
	☐		Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $0.01 Par Value		WU		The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01. Other Events.

As previously announced, on August 10, 2025, The Western Union Company, a Delaware corporation (the “Company”), entered into an Agreement and Plan of Merger (the “Merger Agreement”), by and among the Company, International Money Express, Inc., a Delaware corporation (“IMXI”), and Ivey Merger Sub, Inc., a Delaware corporation and wholly owned subsidiary of the Company (“Merger Sub”). Pursuant to the Merger Agreement, on the terms and subject to the conditions set forth therein, Merger Sub will merge with and into IMXI (the “Merger”), with IMXI continuing as the surviving corporation in the Merger and becoming a wholly owned subsidiary of the Company.

Among other things, the consummation of the Merger is conditioned upon the expiration or termination of the applicable waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended (the “HSR Act”). At 11:59 p.m. Eastern Time on October 6, 2025, the waiting period under the HSR Act with respect to the Merger expired. The transaction is expected to close in mid-2026, subject to obtaining other regulatory approvals, the approval by IMXI’s stockholders and the satisfaction or waiver of certain other customary closing conditions.

On October 7, 2025, the Company and IMXI issued a joint press release announcing the expiration of the waiting period under the HSR Act. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated by reference herein.

Item 9.01. Financial Statements and Exhibits.

Exhibit Number		Description of Exhibit
99.1		Press release issued by The Western Union Company and International Money Express, Inc. on October 7, 2025
101		Inline XBRL Document Set for the Cover Page from this Current Report on Form 8-K, formatted as Inline XBRL
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: October 7, 2025	THE WESTERN UNION COMPANY
	By:	/s/ Benjamin C. Adams
	Name:	Benjamin C. Adams
	Title:	Executive Vice President, Chief Legal Officer