Modification Agreements in the Consumer Finance Industry

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Amendment Letter to Facility Agreement among Encore Capital Group, Inc., Truist Bank (as Agent), and Lenders (May 22, 2025)
Modification Agreements
Encore Capital Group, Inc.
Consumer Finance
2025
First Amendment to Amended and Restated Receivable Sales Agreement between The Bank of Missouri and Fortiva Funding, LLC
Modification Agreements
Atlanticus Holdings Corp
Consumer Finance
MO
2025
Amendment to Risk Review Provisions of Equity Awards under Omnibus Incentive Plans – Discover Financial Services and Capital One
Modification Agreements
Discover Financial Services
Consumer Finance
2025
Eighteenth Amendment to Loan and Security Agreement among Katapult SPV-1 LLC, Katapult Group, Inc., Katapult Holdings, Inc., Midtown Madison Management LLC, and Lenders
Modification Agreements
FinServ Acquisition Corp.
Consumer Finance
2025
Master Amendment to Loan, Purchase, and Transfer Agreements among Oportun PLW Trust, Oportun, Inc., Oportun Depositor, LLC, Lenders, and Wilmington Trust
Modification Agreements
Oportun Financial Corp
Consumer Finance
NY
2025
Twelfth Amendment to Loan Agreement and Amendment to Security Agreement among Opportunity Financial, LLC, Midtown Madison Management LLC, and Lenders
Modification Agreements
FG New America Acquisition Corp.
Consumer Finance
DE
2024
Amendment to Offer Letter Between Social Finance, LLC and Executive
Modification Agreements
Social Capital Hedosophia Holdings Corp. V
Consumer Finance
2024
Amendment No. 4 to Amended and Restated Carrying Agreement between DriveWealth, LLC and ML Wealth, LLC
Modification Agreements
Fusion Acquisition Corp.
Consumer Finance
NY
2024
Amendment No. 3 to Loan and Security Agreement among Credit Acceptance Funding LLC 2019-2, Credit Acceptance Corporation, Wells Fargo Bank, and Others
Modification Agreements
CREDIT ACCEPTANCE CORP
Consumer Finance
NY
2024
Consent to Amend References to Credit Agreement – Credit Acceptance Funding LLC 2023-A and Wells Fargo Bank, N.A.
Modification Agreements
CREDIT ACCEPTANCE CORP
Consumer Finance
2024
Master Amendment to Indenture and Servicing Agreement among Oportun CCW Trust, Oportun, Inc., and Wilmington Trust, N.A. (January 31, 2024)
Modification Agreements
Oportun Financial Corp
Consumer Finance
NY
2024
Amendment to 2022 & 2024 Award Agreements under LendingClub 2014 Equity Incentive Plan (Scott Sanborn)
Modification Agreements
LendingClub Corp
Consumer Finance
CA
2024
Limited Waiver and Sixteenth Amendment to Loan and Security Agreement among Katapult Entities and Midtown Madison Management LLC (April 23, 2024)
Modification Agreements
FinServ Acquisition Corp.
Consumer Finance
2024
Capped Call Early Unwind Agreement between SoFi Technologies, Inc. and Dealer (March 2024)
Modification Agreements
Social Capital Hedosophia Holdings Corp. V
Consumer Finance
NY
2024
Twelfth Amendment to Amended and Restated Revolving Credit Agreement among World Acceptance Corporation, Wells Fargo Bank, and Other Lenders
Modification Agreements
World Acceptance Corporation
Consumer Finance
2024
Third Amendment to Master Services Agreement among Cross River Bank, Sunlight Financial LLC, and Turnstile Capital Management, LLC
Modification Agreements
Spartan Acquisition Corp. II
Consumer Finance
NY
2023
Amendment No. 3 to Carrying Agreement between DriveWealth, LLC and ML Wealth, LLC
Modification Agreements
Fusion Acquisition Corp.
Consumer Finance
2023
Notice of Recharacterization among Cross River Bank, Sunlight Financial LLC, and SL Financial Holdings, Inc.
Modification Agreements
Spartan Acquisition Corp. II
Consumer Finance
2023
Amendment to Tax Receivable Agreement between Sunlight Financial Holdings Inc. and Supermajority TRA Holders
Modification Agreements
Spartan Acquisition Corp. II
Consumer Finance
DE
2023
Restructuring Support Agreement among ED Umbrella Holdings, Sunlight Financial Entities, Cross River Bank, and Consenting Equity Holders
Modification Agreements
Spartan Acquisition Corp. II
Consumer Finance
DE
2023
Amendment to Share Purchase Agreement between Questrade Financial Group Inc. and CURO Intermediate Holdings Corp.
Modification Agreements
CURO Group Holdings Corp.
Consumer Finance
2023
LIBOR Transition Amendment to Amended and Restated Credit Agreement between PRA Group, Inc. and Bank of America, N.A.
Modification Agreements
PRA Group, Inc.
Consumer Finance
NY
2023
Fourth Amendment to Loan and Security Agreement among Credit Acceptance Funding LLC 2021-1, Credit Acceptance Corporation, and Fifth Third Bank
Modification Agreements
CREDIT ACCEPTANCE CORP
Consumer Finance
NY
2023
Amendment No. 1 to Third Amended and Restated Pooling and Servicing Agreement among Discover Bank, Discover Funding LLC, and U.S. Bank Trust Company, N.A.
Modification Agreements
Discover Card Execution Note Trust
Consumer Finance
2023
Amendment Letter to Facility Agreement among Encore Capital Group, Inc., Truist Bank (as Agent), and Lenders (May 2023)
Modification Agreements
Encore Capital Group, Inc.
Consumer Finance
2023
Third Amendment to Amended and Restated Pooling and Servicing Agreement among Capital One, National Association, Capital One Funding, LLC, and The Bank of New York Mellon
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
NY
2023
Amendment No. 1 to Promotion Agreement between Credit Karma Offers, Inc. and Upstart Network, Inc.
Modification Agreements
Upstart Holdings, Inc.
Consumer Finance
2023
Amendment No. 1 to Letter Agreement between Comerica Bank and Chapter 4 Properties, LLC
Modification Agreements
CREDIT ACCEPTANCE CORP
Consumer Finance
2023
Amendment to Restricted Stock Unit and Nonqualified Stock Option Award Agreements (Band 99) – American Express Company
Modification Agreements
American Express
Consumer Finance
2023
Ninth Amendment to Home Improvement Loan Program Agreement between Cross River Bank and Sunlight Financial LLC
Modification Agreements
Spartan Acquisition Corp. II
Consumer Finance
NJ
2022
Fifteenth Amendment to First Amended and Restated Loan Program Agreement between Cross River Bank and Sunlight Financial LLC
Modification Agreements
Spartan Acquisition Corp. II
Consumer Finance
NJ
2022
First Amendment to Stadium Complex Cornerstone Naming Rights and Sponsorship Agreement between Social Finance, Inc. and Stadco LA, LLC
Modification Agreements
Social Capital Hedosophia Holdings Corp. V
Consumer Finance
2022
Amendment No. 3 to Third Amended and Restated Loan Sale Agreement between Upstart Network, Inc. and Cross River Bank
Modification Agreements
Upstart Holdings, Inc.
Consumer Finance
2022
Amendment No. 5 to Time Sharing Agreement between American Express Travel Related Services Company, Inc. and Stephen J. Squeri
Modification Agreements
American Express
Consumer Finance
2022
First Amendment to Subservicing Agreement between Capital One, National Association and Capital One Services, LLC
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
DE
2022
First Amendment to Asset Representations Review Agreement among Capital One, Capital One Funding, and Clayton Fixed Income Services
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
DE
2022
First Amendment to Dispute Resolution Agreement among Capital One, National Association, Capital One Funding, LLC, and The Bank of New York Mellon
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
DE
2022
First Amendment to Defaulted Receivables Supplemental Servicing Agreement between Capital One, National Association and Capital One Funding, LLC
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
DE
2022
Second Amendment to Transfer and Administration Agreement among Capital One, Capital One Funding, Capital One Multi-Asset Execution Trust, and The Bank of New York Mellon
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
DE
2022
Second Amendment to Asset Pool 1 Supplement between Capital One Multi-Asset Execution Trust and The Bank of New York Mellon
Modification Agreements
CAPITAL ONE FUNDING, LLC
Consumer Finance
DE
2022