Atlanticus Holdings Corporation.
ATLC.US | Other credit granting
Atlanticus Holdings Corporation is a financial holding company that invests in and manages credit and related financial services companies. The company operates through two main segments: Auto Finance and Credit as a Service (CaaS). The Auto Finance segment provides indirect auto financing to consum...Show More
Better Health for All
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The company's Curae medical credit card product
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, part of its Credit as a Service segment, has significant negative health impacts. Patients were reportedly signed up for these credit loans while in the emergency room, on medication, and semi-conscious, without explicit consent or full understanding of the terms and conditions.
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This practice led to reports of 100% late fees and difficulty negotiating billing, causing financial distress.
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A 2023 Consumer Financial Protection Bureau report highlighted patient complaints about surprise medical credit card enrollment.
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These practices disproportionately affect vulnerable populations, including those with limited insurance or in financial hardship, by potentially increasing healthcare costs and debt.
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The lack of transparency and the circumstances of enrollment indicate a severe failure in risk disclosure and ethical practices, leading to financial harm and stress for patients.
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Fair Money & Economic Opportunity
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Atlanticus Holdings Corporation's average APR for general purpose credit cards was 27.1% in 2024, an increase from 26.4% in 2023.
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The average APR for private label credit was 17.1% in 2024, a slight decrease from 17.5% in 2023.
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A CFPB final rule regarding credit card late fees is expected to significantly impact the company's revenue.
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Fair Pay & Worker Respect
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Atlanticus Holdings Corporation reports that none of its employees are represented by a labor union.
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The company's team member attrition has averaged less than 4%.
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The company states that it provides employees with opportunities for career growth, fair compensation, benefits, and health and wellness programs, and considers its relationships with employees to be good. As of December 31, 2024, the company had 417 employees, all employed within the U.S.
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The management team members, on average, have over 11 years of tenure with the company.
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Fair Trade & Ethical Sourcing
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No specific, concrete data points related to fair trade or ethical sourcing for Atlanticus Holdings Corporation (ATLC.US) were found in the provided articles.
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The articles either pertained to a different company,
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focused on financial or carbon-related information,
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or were governance documents that did not include quantitative performance metrics for these KPIs.
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Honest & Fair Business
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No specific, concrete data points were found in the provided articles for any of the KPIs related to the 'Honest & Fair Business' ethical value. The articles primarily discuss financial performance, general governance documents, or changes in SEC filings, without detailing regulatory fines, transparency index scores, whistle-blower policies, financial restatements, audit coverage, ESG controversy scores, complaint resolution times, board conflict-free percentages, anti-corruption policies, or third-party verification of ethical claims.
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Kind to Animals
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The provided articles, which consist of SEC filing lists and general company information pages, do not contain any specific, concrete data points relevant to Atlanticus Holdings Corporation's performance regarding animal welfare.
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As per the rules, if no article provides relevant evidence for a KPI, that KPI must be omitted entirely. Therefore, no KPIs can be scored.
No War, No Weapons
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The provided articles consistently indicate that Atlanticus Holdings Corporation operates in the financial services sector, specifically auto finance and credit as a service.
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None of the articles contain any specific, concrete data points or facts related to the company's involvement in arms manufacturing, military contracts, dual-use technology, sales to embargoed regimes, peacebuilding investments, or any other activities relevant to the 'No War, No Weapons' ethical value.
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Each article explicitly states the absence of such information for all relevant KPIs. Therefore, no KPIs can be scored based on the evidence provided.
Planet-Friendly Business
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No specific, quantitative evidence for Atlanticus Holdings Corporation (ATLC.US) was found in the provided articles that could be mapped to the Planet-Friendly Business KPIs. Several articles discuss environmental targets and performance, but these explicitly refer to 'Atlantic Packaging,' which is a different entity (a packaging company) from the financial holding company ATLC.US.
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Other articles focus on financial analysis or general ESG scores without providing specific data points relevant to the rubric's KPIs, or explicitly state that no relevant data is available for ATLC.US.
Respect for Cultures & Communities
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The company's business model as a financial services provider does not typically involve activities that directly impact cultural contexts or sites, nor does it necessitate Free, Prior and Informed Consent (FPIC) processes. No cultural appropriation incidents are reported, and there is no evidence of cultural site disruptions.
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The company does not report specific protocols for cultural impact assessment or cultural incident response, nor does it detail investments in cultural preservation, community funds, or charitable giving focused on cultural heritage.
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While the company mentions expanding business partnerships with banks, retailers, and healthcare providers, these are not formal partnerships with indigenous or local community groups.
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All 417 employees are located within the U.S., making the concept of a 'local employment ratio' difficult to apply in the context of a national financial services company.
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There is no data on local procurement, indigenous suppliers, language inclusivity, or cultural sensitivity training completion.
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The company has a Social Impact Committee that provides guidance on corporate citizenship and social responsibility, and its Board considers diversity including race, gender, and national origin.
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Safe & Smart Tech
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No specific, concrete evidence was found in the provided articles regarding Atlanticus Holdings Corporation's performance on any of the Safe & Smart Tech KPIs. The investor relations reports consistently state 'No data on [KPI]' for all relevant metrics.
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Other articles discuss general industry trends or training programs without providing company-specific data for Atlanticus Holdings Corporation.
Zero Waste & Sustainable Products
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No specific, quantitative data relevant to any of the 'Zero Waste & Sustainable Products' KPIs was found across the provided articles.
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The company, a financial services firm, announced participation in a program to offset environmental footprints, including plastic, but no metrics on its own waste diversion, product recyclability, packaging sustainability, or other related initiatives were disclosed.
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The articles explicitly state a lack of relevant data for these metrics.
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