# CREDIT ACCEPTANCE CORP

> Alpha governed public record. Unknown, unavailable, and unpublished values are never inferred as zero.

## Record

| Field | Value |
| --- | --- |
| Representation | alpha-profile-markdown-v4 |
| Protocol | Alpha Governance Facts Protocol 0.1 |
| Schema | alpha.governance.entity.public.v1 |
| Record version | public-1:ro-d751713988987e9331980363e24189ce |
| Governance record representation | alpha-governance-record-v2 |
| Canonical entity | alpha:company:643357e8-3ec3-4da1-b024-05775108b93f |
| Entity type | Company |
| Canonical URL | https://registry.alpha.ac/companies/credit-acceptance-corp |
| Publication | PUBLISHED |
| Verification | source_reported |
| Verification schema | alpha-verification-states-v1 |
| Ownership | unclaimed |
| Published claims | 16 |
| Claims under review | 1 |
| Evidence records | 3 |
| Conflicts | 0 |
| Conflicts in internal review | 0 |
| Observed | 2026-10-26T14:45:58.499889+00:00 |
| Last reviewed | 2026-10-26T14:45:58.499889+00:00 |

## Identity

- Legal name: CREDIT ACCEPTANCE CORP
- Display name: CREDIT ACCEPTANCE CORP

## Alpha Governance Record

| Field | Value |
| --- | --- |
| Governance Record schema | alpha-governance-record-v2 |
| Ontology | alpha-governance-ontology-v1 |
| Record version | public-1:ro-d751713988987e9331980363e24189ce |
| As of | 2026-10-26T14:45:58.499889+00:00 |
| Completeness | 0.409 |
| Record Quality | 0.808 |
| Directors | 6 |
| Committees | 1 |
| Governance events | 3 |
| Entity class | public_company |

## Section coverage

| Section | State |
| --- | --- |
| identity | PUBLISHED |
| corporate_structure | NOT_REVIEWED |
| board | PUBLISHED |
| committees | PUBLISHED |
| leadership | PUBLISHED |
| ownership | NOT_REVIEWED |
| financials | NOT_REVIEWED |
| capital_structure | PUBLISHED |
| compensation | NOT_REVIEWED |
| governance | NOT_REVIEWED |
| shareholder_governance | NOT_REVIEWED |
| audit | NOT_REVIEWED |
| legal | NOT_REVIEWED |
| risk | NOT_REVIEWED |
| cyber | NOT_REVIEWED |
| ai_governance | NOT_REVIEWED |
| agent_governance | RESTRICTED |
| markets_external | NOT_REVIEWED |
| events | PUBLISHED |
| relationships | PUBLISHED |
| assessments | PUBLISHED |
| evidence | PUBLISHED |

## Board

- Glenda J. Flanagan: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2026-04-28. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:6
- Scott J. Vassalluzzo: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2026-04-28. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:8
- Sean E. Quinn: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2026-04-28. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:9
- Kenneth S. Booth: Director. Status: unknown. Independent: false. Since: NOT_PUBLISHED. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:7
- Thomas N. Tryforos: Lead Director. Status: unknown. Independent: true. Since: NOT_PUBLISHED. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:10
- Vinayak R. Hegde: Chief Executive Officer, President and Director. Status: unknown. Independent: false. Since: NOT_PUBLISHED. Committees: President and Director (member). claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:11

## Committees

- President and Director (other). Chair: NOT_PUBLISHED. Members: Vinayak R. Hegde (member, unknown). committee_id=alpha:committee:credit-acceptance-corp:president-and-director

## Executive leadership

- Erin J. Kerber: Chief Legal Officer, Chief Compliance Officer and Secretary [GC]. Status: unknown. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:12
- Jay D. Martin: Chief Financial Officer [CFO]. Status: unknown. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:13
- Jonathan L. Lum: Chief Operating Officer [COO]. Status: unknown. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:14
- Ravi Mohan: Chief Technology Officer [CTO]. Status: unknown. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:15
- Vinayak R. Hegde: Chief Executive Officer and President [CEO]. Status: unknown. claim_id=alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:16

## Governance events

- DIRECTOR_APPOINTED: Glenda J. Flanagan seat on CREDIT ACCEPTANCE CORP, effective 2026-04-28. Effective: 2026-04-28. Detected: 2026-10-26T14:45:58.499889+00:00. event_id=alpha:event:transition:12as38d5ixx0f
- DIRECTOR_APPOINTED: Scott J. Vassalluzzo seat on CREDIT ACCEPTANCE CORP, effective 2026-04-28. Effective: 2026-04-28. Detected: 2026-10-26T14:45:58.499889+00:00. event_id=alpha:event:transition:185ti23ohmkdt
- DIRECTOR_APPOINTED: Sean E. Quinn seat on CREDIT ACCEPTANCE CORP, effective 2026-04-28. Effective: 2026-04-28. Detected: 2026-10-26T14:45:58.499889+00:00. event_id=alpha:event:transition:14k66xmc1gohc

## Scoped resources

- `alpha://company/credit-acceptance-corp` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record
- `alpha://company/credit-acceptance-corp/identity` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=identity
- `alpha://company/credit-acceptance-corp/corporate-structure` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=corporate-structure
- `alpha://company/credit-acceptance-corp/board` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=board
- `alpha://company/credit-acceptance-corp/committees` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=committees
- `alpha://company/credit-acceptance-corp/leadership` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=leadership
- `alpha://company/credit-acceptance-corp/ownership` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=ownership
- `alpha://company/credit-acceptance-corp/financials` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=financials
- `alpha://company/credit-acceptance-corp/capital-structure` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=capital-structure
- `alpha://company/credit-acceptance-corp/compensation` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=compensation
- `alpha://company/credit-acceptance-corp/governance` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=governance
- `alpha://company/credit-acceptance-corp/shareholder-governance` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=shareholder-governance
- `alpha://company/credit-acceptance-corp/audit` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=audit
- `alpha://company/credit-acceptance-corp/legal` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=legal
- `alpha://company/credit-acceptance-corp/risk` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=risk
- `alpha://company/credit-acceptance-corp/cyber` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=cyber
- `alpha://company/credit-acceptance-corp/ai-governance` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=ai-governance
- `alpha://company/credit-acceptance-corp/agents` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=agents
- `alpha://company/credit-acceptance-corp/ecosystem` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=ecosystem
- `alpha://company/credit-acceptance-corp/events` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=events
- `alpha://company/credit-acceptance-corp/relationships` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=relationships
- `alpha://company/credit-acceptance-corp/assessments` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=assessments
- `alpha://company/credit-acceptance-corp/evidence` (contract): https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record&section=evidence

## Role modules

- NOT_ASSERTED

## Attention

- NO_RECORDS_FOUND

## Committee data

- NO_RECORDS_FOUND

## Leadership

- Glenda J. Flanagan: Director. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:6. Valid from: 2026-04-28. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:3882ec57686ffb591dea1c357af4c7e9cc6fad25bca2efa2bfbc536baa594ead.
- Kenneth S. Booth: Director. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:7. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Scott J. Vassalluzzo: Director. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:8. Valid from: 2026-04-28. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:3882ec57686ffb591dea1c357af4c7e9cc6fad25bca2efa2bfbc536baa594ead.
- Sean E. Quinn: Director. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:9. Valid from: 2026-04-28. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:3882ec57686ffb591dea1c357af4c7e9cc6fad25bca2efa2bfbc536baa594ead.
- Thomas N. Tryforos: Lead Director. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:10. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Vinayak R. Hegde: Chief Executive Officer, President and Director. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:11. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Erin J. Kerber: Chief Legal Officer, Chief Compliance Officer and Secretary. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:12. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Jay D. Martin: Chief Financial Officer. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:13. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Jonathan L. Lum: Chief Operating Officer. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:14. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Ravi Mohan: Chief Technology Officer. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:15. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.
- Vinayak R. Hegde: Chief Executive Officer and President. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:leadership_role:16. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9.

## Roles

- PUBLISHED

## Governance

- NOT_ASSERTED

## Board committees

- PUBLISHED

## Financials

- NOT_ASSERTED

## Workforce

- NOT_ASSERTED

## Market and index context

- PUBLISHED

## Legal Name

- CREDIT ACCEPTANCE CORP. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:legal_name:1. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:1e92e598dd9556672f4f060736a0895c3df26fc39d3d86de3cbb116bd811ecbc.

## Entity Status

- Public listing published. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:entity_status:3. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:1e92e598dd9556672f4f060736a0895c3df26fc39d3d86de3cbb116bd811ecbc.

## Published Fact

- US. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:published_fact:4. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:1e92e598dd9556672f4f060736a0895c3df26fc39d3d86de3cbb116bd811ecbc.
- Financials. Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:published_fact:5. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:1e92e598dd9556672f4f060736a0895c3df26fc39d3d86de3cbb116bd811ecbc.

## Security Listing

- CACC (NASDAQ). Claim: alpha:claim:company:643357e8-3ec3-4da1-b024-05775108b93f:security_listing:17. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:1e92e598dd9556672f4f060736a0895c3df26fc39d3d86de3cbb116bd811ecbc.

## Coverage states

| Field | Value |
| --- | --- |
| Identity | PUBLISHED |
| Business | PUBLISHED |
| Leadership | PUBLISHED |
| Board and committees | PUBLISHED |
| Governance | NOT_ASSERTED |
| Financials | NOT_ASSERTED |
| Workforce | NOT_ASSERTED |
| Ownership | NOT_ASSERTED |
| Ratings | NOT_PUBLISHED |
| Market and index context | PUBLISHED |

## Public sources

- alpha:projection-evidence:1e92e598dd9556672f4f060736a0895c3df26fc39d3d86de3cbb116bd811ecbc: [Alpha canonical company public projection](https://www.alpha.ac/api/public/companies/credit-acceptance-corp).
- alpha:projection-evidence:document:3882ec57686ffb591dea1c357af4c7e9cc6fad25bca2efa2bfbc536baa594ead: [DEF 14A cacc-20260428.htm](https://www.sec.gov/Archives/edgar/data/885550/000088555026000073/cacc-20260428.htm).
- alpha:projection-evidence:document:12806c37fe6e133d759ff31807da24dbc1a133d33ca9ecb662ccbbcf7246bce9: [SEC DEF 14A 0000885550-26-000073](https://www.sec.gov/Archives/edgar/data/885550/000088555026000073/cacc-20260428.htm).

## Rights

| Field | Value |
| --- | --- |
| public_retrieval | allowed |
| agent_retrieval | allowed |
| redistribution | not_granted |
| model_training | not_granted |
| commercial_use | not_specified |
| relationship_pathfinding | not_granted |
| direct_contact | not_granted |

## Limitations

- Absence of a leadership role, committee, or disclosure is not evidence that it does not exist.
- Only explicitly published canonical company identity and current confirmed public roles are included.
- Absence of a board, committee, executive, listing, or claim is not evidence that it does not exist.
- Public retrieval does not grant redistribution, model-training, direct-contact, or relationship-pathfinding rights.
- This Company Profile is an identity and evidence record, not an Alpha rating.

## Alternate representations

- [Canonical profile](https://registry.alpha.ac/companies/credit-acceptance-corp)
- [Public Markdown](https://registry.alpha.ac/companies/credit-acceptance-corp.md)
- [Public JSON](https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=record)
- [JSON-LD](https://registry.alpha.ac/api/public/companies/credit-acceptance-corp?format=jsonld)
- MCP resource: `alpha://companies/credit-acceptance-corp` at https://mcp.alpha.ac/mcp


## Connected governance records

Structured intelligence is not currently available. Existing published profile evidence remains accessible.

## Critical-risk oversight

Snapshot as of 2026-10-26T16:23:09.171503+00:00; recorded 2026-10-26T16:23:09.171503+00:00. Every published assignment for this snapshot is listed.
Only explicitly reviewed, rights-cleared assignments in effect on the as-of date, in the company's own wording.
An assignment shows where oversight is placed, not whether it is effective. Missing records do not establish absence.