TransUnion (TRU) risk factors
Item 1A of every TransUnion 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors38 risks4 new6 dropped9 reworded
TransUnion added new specific risks regarding compliance with evolving global AI regulations and complex state data breach notification regimes. The company updated disclosures on its CFPB Consent Order, goodwill and intangible asset valuations, and climate change risk mitigation costs.
Filed Feb 27, 2026 - FY2024 10-K risk factors40 risks
TransUnion faces significant regulatory scrutiny including a CFPB NORA letter and evolving AI rules. Substantial debt of $5,147.2 million and international operations expose the business to financial and geopolitical pressures. Intense competition from free consumer data sources threatens core credit reporting revenue.
Filed Feb 13, 2025