# EDGAR Filing Document

**Accession Number:** 0001974395
**File Stem:** 0001493152-26-003418
**Filing Date:** 2026-1
**Character Count:** 2985
**Document Hash:** 0c8bb5e85dba9a68ca0ab00065014c01
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-003418.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001493152-26-003418

**CONFORMED SUBMISSION TYPE**: 424B3

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Figure Certificate Co
- **CENTRAL INDEX KEY:** 0001974395

**ORGANIZATION NAME:**
- **EIN:** 923576834
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 424B3
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-275154
- **FILM NUMBER:** 26557064

**BUSINESS ADDRESS:**
- **STREET 1:** 650 CALIFORNIA STREET
- **STREET 2:** SUITE 2700
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94108
- **BUSINESS PHONE:** (310) 592-0097

**MAIL ADDRESS:**
- **STREET 1:** 650 CALIFORNIA STREET
- **STREET 2:** SUITE 2700
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94108

**Filed Pursuant to Rule 424(b)(3)**

**Prospectus Supplement**

**Registration No. 333-275154**

**FIGURE CERTIFICATE COMPANY**

**SUPPLEMENT DATED JANUARY 20, 2026**

**TO THE PROSPECTUS DATED JULY 15, 2025**

This prospectus supplement (this "Supplement") is part of and should be read in conjunction with the prospectus of Figure Certificate Company, dated July 15, 2025 (the "Prospectus"). Unless otherwise defined herein, capitalized terms used in this Supplement shall have the same meanings as in the Prospectus. References herein to "we", "us", or "our" refer to Figure Certificate Company unless the context specifically requires otherwise.

The purpose of this Supplement is to disclose that Figure Investment Advisors, LLC, the investment adviser to FCC (the "Advisor"), may enter into agreements with certain Certificate investors to rebate all or a portion of the Advisor's investment advisory fee. Accordingly, the following updates to the Prospectus are effective immediately:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 following subsection is added to the section titled "*Risk Factors*" on
 page 6 of the Prospectus:

**Advisory Fee Rebates**

To the extent permitted by applicable law, the Advisor may, in its sole discretion and without the approval of any other Certificateholder rebate a portion of its advisory fee to certain Certificateholders. Such rebates, if offered, will be determined on a case-by-case basis and may vary among Certificateholders. Factors that may influence the decision to offer a rebate include, but are not limited to, the size of a Certificateholder's investment, the length of their investment, or other strategic considerations deemed relevant by the Advisor. Any such rebate will be clearly communicated to the affected Certificateholder. Any such rebate will not result in an increase or decrease in the advisory fee charged to FCC. Certificateholders should be aware that receiving a rebate may have tax implications, and they are encouraged to consult with their tax advisor regarding their individual circumstances.