- Filed
- Mar 5, 2026
- Period
- FY2025
- Fiscal year end
- 12/31
- Filings
- 1
10-K · latest 9
What Chime's 10-K filings say
- SEC EDGAR
10-K · FY2025
Filed · Fiscal year ends 12/31 · 11 signals
Paid $4.55M in CFPB fine and customer redress in May 2024 for delayed refunds
Chime paid a $3.25M penalty and $1.3M in customer redress for failing to provide timely refunds upon account closure.
$4.6M
Total of a $3.25M CFPB penalty and $1.3M in customer redress for delayed refunds.
Now subject to direct CFPB supervision as a 'larger participant' in digital payments
Due to its high transaction volume, Chime now falls under the CFPB's direct supervisory authority, subjecting it to comprehensive and rigorous examinations.
digital consumer payment applications
Chime expands into B2B market with 'Chime Enterprise' and 'MyPay at Work' solution
The creation of Chime Enterprise to sell financial wellness solutions directly to employers represents a new B2B go-to-market strategy.
Chime cites substantial multi-year investment in its cloud-native platform as a key advantage.
The company has made significant, ongoing investments in its cloud-native technology platform to power its digital-first model, reduce operational expenses, and outpace traditional banks.
cloud-native
New product rollouts (MyPay, Instant Loans) are stalled in some states due to regulations
Chime is unable to offer its newer products, MyPay and Instant Loans, in all 50 states because of complex and varied state-level lending laws.
Chime plans new products in investing, insurance, and unsecured credit
Chime is planning a significant product expansion into unsecured credit cards, investing, wealth management, and insurance.
Entire business model depends on just two bank partners: Bancorp and Stride Bank
Chime's ability to offer FDIC-insured accounts and other core banking products is entirely dependent on its partnerships with The Bancorp Bank and Stride Bank.
The Bancorp Bank, N.A.Stride Bank, N.A.
Chime plans to expand target market to individuals earning up to $200,000 annually
Chime is strategically expanding its target audience from those earning up to $100k to a new segment earning up to $200k.
Chime is building a financial platform to cross-sell products and leverage first-party data
Chime's core strategy is to be the central financial hub for its members, enabling cross-selling of new products and leveraging rich first-party data.
Showing 9 of 11 filing signals. The Signal API returns all of them.
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Track Chime with the Signal API
One POST /v1/companies/enrich call with chime.com returns Chime 10-K signals (sec-10k), each with its source. Or ask Claude through MCP.
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curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"chime.com","signal_types":["sec-10k"],"limit":20}'Same industry
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Questions about Chime 10-K
When did Chime file its latest 10-K?
What does Chime's latest 10-K say about regulatory fine?
Where can I find Chime's annual report?
Source. Annual reports (Form 10-K) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .