# EDGAR Filing Document

**Accession Number:** 0001101215
**File Stem:** 0001193125-26-219015
**Filing Date:** 2026-5
**Character Count:** 6834
**Document Hash:** 402755b6fce8fd926835bedc84cd4950
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-219015.hdr.sgml**: 20260512

**ACCESSION NUMBER**: 0001193125-26-219015

**CONFORMED SUBMISSION TYPE**: 8-A12B

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260512

**DATE AS OF CHANGE**: 20260512

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BREAD FINANCIAL HOLDINGS, INC.
- **CENTRAL INDEX KEY:** 0001101215
- **STANDARD INDUSTRIAL CLASSIFICATION:** PERSONAL CREDIT INSTITUTIONS [6141]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 311429215
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-A12B
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-15749
- **FILM NUMBER:** 26967681

**BUSINESS ADDRESS:**
- **STREET 1:** 3095 LOYALTY CIRCLE
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219
- **BUSINESS PHONE:** 6147294000

**MAIL ADDRESS:**
- **STREET 1:** 3095 LOYALTY CIRCLE
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ALLIANCE DATA SYSTEMS CORP
- **DATE OF NAME CHANGE:** 19991217

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM 8-A**

**FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES** 

**PURSUANT TO SECTION 12(b) OR (g) OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

## BREAD FINANCIAL HOLDINGS, INC.
**(Exact name of Registrant as specified in its charter)** 

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| | |
|:---|:---|
| **Delaware** | **31-1429215** |
| **(State or Other Jurisdiction of Incorporation or Organization)** | **(I.R.S. Employer Identification Number)** |

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**3905 Loyalty Circle** 

**Columbus,** 

**Ohio 43219** 

**(614) 729-4000**

**(Address of principal executive offices and zip code)** 

**Securities to be registered pursuant to Section 12(b) of the Act:** 

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| | |
|:---|:---|
| **Title of Each Class** | **Name of Each Exchange on Which Registered** |
| Depositary Shares Each Representing a 1/40th Interest<br> in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B | New York Stock Exchange |

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If this form relates to the registration of a class of securities pursuant to Section 12(b) of the Exchange Act and is effective pursuant to General Instruction A.(c) or (e), check the following box. ☒

If this form relates to the registration of a class of securities pursuant to Section 12(g) of the Exchange Act and is effective pursuant to General Instruction A.(d) or (e), check the following box. ☐

If this form relates to the registration of a class of securities concurrently with a Regulation A offering, check the following box. ☐

**Securities Act registration statement file number to which this form relates:** 

**333-291573** 

**Securities to be registered pursuant to Section 12(g) of the Act:** 

**None** 

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**Item 1. Description of Registrant's Securities to be Registered.** 

The securities to be registered hereby are the Depositary Shares (the "Depositary Shares"), each representing a 1/40th ownership interest in a share of our 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, par value $0.01 per share (the "Series B Preferred Stock"), with a liquidation preference of $25 per depositary share (equivalent to $1,000 per share of Series B Preferred Stock), of Bread Financial Holdings, Inc. (the "Registrant"). For a description of the Depositary Shares to be registered hereunder and the underlying Series B Preferred Stock of the Registrant, reference is made to the information set forth under the headings "Description of Capital Stock" and "Description of Depositary Shares" in the Registrant's Prospectus and under the headings "Description of the Series B Preferred Stock" and "Description of Depositary Shares" in the Registrant's Prospectus Supplement, dated May 5, 2026, to the Prospectus, dated November 17, 2025, which constitutes a part of the Registrant's Registration Statement on Form S-3 (File No. 333-291573), filed under the Securities Act of 1933, as amended, which information is hereby incorporated herein by reference.

**Item 2. Exhibits.** 

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| | |
|:---|:---|
| **Exhibit**<br> **No.** | **Description** |
| 4.1 | [Third Amended and Restated Certificate of Incorporation of Bread Financial Holdings, Inc. (incorporated by reference to Exhibit 3.2 of the Current Report on Form 8-K filed by Bread Financial Holdings, Inc. on June 10, 2016).](http://www.sec.gov/Archives/edgar/data/1101215/000110121516000364/exhibit_3-2.htm) |
| 4.2 | [Certificate of Amendment to Third Amended and Restated Certificate of Incorporation of Bread Financial Holdings, Inc. (incorporated by reference to Exhibit 3.1 of the Current Report on Form 8-K filed by Bread Financial Holdings, Inc. on March 24, 2022).](http://www.sec.gov/Archives/edgar/data/1101215/000110121522000058/exhibit_3-1.htm) |
| 4.3 | [Sixth Amended and Restated Bylaws of Bread Financial Holdings, Inc. (incorporated by reference to Exhibit 3.2 of the Current Report on Form 8-K filed by Bread Financial Holdings, Inc. on March 24, 2022).](http://www.sec.gov/Archives/edgar/data/1101215/000110121522000058/exhibit_3-2.htm) |
| 4.4 | [Certificate of Designations of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (incorporated by reference to the Current Report on Form 8-K of Bread Financial Holdings, Inc. (File No. 001-15749), as filed with the SEC on May 12, 2026).](http://www.sec.gov/Archives/edgar/data/1101215/000119312526218648/d118407dex31.htm) |
| 4.5 | [Deposit Agreement, dated May 12, 2026, among Bread Financial Holdings, Inc., Computershare Inc. and Computershare Trust Company, N.A., jointly as Depositary, and the Holders from time to time of the Depositary Receipts described therein (incorporated by reference to the Current Report on Form 8-K of Bread Financial Holdings, Inc. (File No. 001-15749), as filed with the SEC on May 12, 2026).](http://www.sec.gov/Archives/edgar/data/1101215/000119312526218648/d118407dex41.htm) |
| 4.6 | [Form of Depositary Receipt (incorporated by reference to the Current Report on Form 8-K of Bread Financial Holdings, Inc. (File No. 001-15749), as filed with the SEC on May 12, 2026).](http://www.sec.gov/Archives/edgar/data/1101215/000119312526218648/d118407dex41.htm) |

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**SIGNATURE** 

Pursuant to the requirements of Section 12 of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized.

Dated: May 12, 2026

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| | |
|:---|:---|
| **Bread Financial Holdings, Inc.** | **Bread Financial Holdings, Inc.** |
| By: | /s/ Joseph L. Motes III |
|  | Name: Joseph L. Motes III |
|  | Title: Executive Vice President, Chief Administrative Officer, General Counsel and Secretary |

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