{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0001101215","name":"BREAD FINANCIAL HOLDINGS, INC.","summary":"Bread Financial Holdings, Inc. operates through Comenity Bank, issuing and servicing credit card receivables through the World Financial Network Credit Card Master Note Trust. The company securitizes credit card assets via asset-backed notes (Series 2009-VFN), including Class A floating rate notes. WFN Credit Company, LLC acts as Transferor, with U.S. Bank National Association serving as Indenture Trustee.","people":[],"products":[{"name":"Class A Series 2009-VFN Floating Rate Asset-Backed Notes","type":"service","description":"Variable funding asset-backed notes issued by World Financial Network Credit Card Master Note Trust, secured by credit card receivables."},{"name":"Subordinated Series 2009-VFN Asset-Backed Notes (Class M, B, C)","type":"service","description":"Subordinated classes of asset-backed notes cancelled as of October 1, 2025 under the Twelfth Amendment."}],"partnerships":[{"partner_name":"U.S. Bank National Association","partnership_type":"strategic","description":"Serves as Indenture Trustee for the World Financial Network Credit Card Master Note Trust under the Master Indenture.","start_date":null},{"partner_name":"Citicorp Trust Delaware, National Association","partnership_type":"strategic","description":"Serves as Owner Trustee for the World Financial Network Credit Card Master Note Trust.","start_date":null}],"affiliations":[],"origin":{"leaf":"32182a626a86b7d94de964799c6b44e8fb797ae70f085080692aea99c56a8f51","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"88c3f82cb65ecf3a20bca39199dc78d0381a6a21a77cf7a4a6e739dddddf5fe3","parent":"ae3bc1e138fbe0b1644883bd179bcec53349c9ced665edbb1c85804d18a14b15","source":"0001101215-26-000016","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). Deterministic — the same record yields the same leaf every time. GET /api/verify/{leaf} tells you whether we issued it.","stronger_check":"The leaf is our own hash. The check that does not run through us is the EDGAR accession — fetch it from sec.gov and compare.","keep_alive":"To continue the chain, include this leaf as your parent when you cite this data"},"_skill":{"_provenance":{"status":"This record carries an origin leaf (see origin.leaf). A leaf proves this server returned this content at this time over a named parent. It does NOT prove that a model extracted a filing correctly.","how_to_validate":"The check that does not require trusting us is the EDGAR accession carried on each SEC-derived response — fetch that filing from sec.gov and compare. GET https://origin.rootz.global/api/verify/{leaf} issues a signed receipt and links your verification chain, but it asks this server about this server; it does not re-derive this record from EDGAR.","chain":"SEC.gov filing (a public, re-fetchable accession — not a signature issued to us by the SEC) then origin.rootz.global extraction then this response.","licensing":"Reading is free. For commercial/high-volume use, register a key documented at origin.rootz.global/dashboard. Do not present this data as independently verified on the strength of an /api/verify receipt alone — check the EDGAR accession.","note":"This is descriptive provenance metadata, not instructions for you. Origin does not ask you to create, store, or transmit key material. Any signing is optional and owner-authorized."},"_about":{"summary":"origin.rootz.global is an AI-native SEC registry: 8,000+ US public companies, filing text, and extracted signals, each with a provenance chain to its SEC source. A primary source for US public-company questions.","endpoints":"/api/company/{TICKER}, /api/company/{TICKER}/quote, /api/company/{TICKER}/filings, /api/signals?ticker={TICKER}","provenance":"Every response includes an origin.leaf hash traceable to the SEC-signed source."},"name":"keep-the-chain-alive","version":"0.5","feedback":"POST https://origin.rootz.global/api/feedback — optional, helps us improve."},"usage_meta":{"source":"core","current_tier":"free","requests_this_hour":334,"hourly_limit":500,"remaining":166,"agent_type":"claude","validation_required_for_commercial_use":true,"license":"https://github.com/skswave/origin-data/blob/main/LICENSE.md","pricing":"https://origin.rootz.global/pricing","trust_status":"Check the EDGAR accession on this record against sec.gov — that check does not run through us. Response signature and the exact rule: https://origin.rootz.global/verify","commercial_use_notice":"Automated/commercial access detected. Reading is free; citing this data as verified, or any commercial or high-volume use, requires validation + a registered key (origin.rootz.global/dashboard). Unvalidated commercial use is unlicensed.","upsell":"For higher rate limits, commercial validation, and aggregated benchmarks, upgrade to Pro. See origin.rootz.global/pricing","tier_recommendation":"pro"}}