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<title>fcfs-20211115</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl80L2ZyYWc6M2RmMWRmMTAzYjU3NDY2YTgwMjllN2JhOWRmYTY2YWEvdGFibGU6Y2QyOTIzZmQxMzc0NGQxZjk3NjMwMWQ0YTI1OTBiYTcvdGFibGVyYW5nZTpjZDI5MjNmZDEzNzQ0ZDFmOTc2MzAxZDRhMjU5MGJhN18yLTEtMS0xLTI2ODc1_4d35bd48-2bfe-42ad-a2ce-4f529c6c9574">0000840489</ix:nonNumeric><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:AmendmentFlag" 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style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">WASHINGTON, D.C. 20549</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV84Mw_7975be23-0dda-4a53-8b36-0f1009ff90b4">8-K</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Current Report </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Date of Report (Date of Earliest Event Reported):  <ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" format="ixt:date-monthname-day-year-en" name="dei:DocumentPeriodEndDate" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8yMjc_5a74605d-9601-4c78-b20a-1796c63337be">November 15, 2021</ix:nonNumeric></span></div><div style="text-align:center"><img src="fcfs-20211115_g1.jpg" alt="fcfs-20211115_g1.jpg" style="height:96px;margin-bottom:5pt;vertical-align:text-bottom;width:332px"/></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;text-decoration:underline"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8yMzI_df5b11fb-f364-4001-85b1-5b651b1e86fa">FIRSTCASH, INC.</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Exact name of registrant as specified in its charter)</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.234%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGFibGU6ZDhlMDc0MGE2MDk2NDAyYTk1ODg2OTE0ZWM0NWE3NzEvdGFibGVyYW5nZTpkOGUwNzQwYTYwOTY0MDJhOTU4ODY5MTRlYzQ1YTc3MV8wLTAtMS0xLTI2ODc1_adb54d0f-e86e-4643-bd0b-4fc68981c3f1">Delaware</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityFileNumber" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGFibGU6ZDhlMDc0MGE2MDk2NDAyYTk1ODg2OTE0ZWM0NWE3NzEvdGFibGVyYW5nZTpkOGUwNzQwYTYwOTY0MDJhOTU4ODY5MTRlYzQ1YTc3MV8wLTEtMS0xLTI2ODc1_0bc61e6f-5381-4b44-a565-8c0f5da92083">001-10960</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityTaxIdentificationNumber" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGFibGU6ZDhlMDc0MGE2MDk2NDAyYTk1ODg2OTE0ZWM0NWE3NzEvdGFibGVyYW5nZTpkOGUwNzQwYTYwOTY0MDJhOTU4ODY5MTRlYzQ1YTc3MV8wLTItMS0xLTI2ODc1_b4d90a2e-2e47-4cfb-acda-a6efc4ca97b6">75-2237318</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(State or other jurisdiction of incorporation)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Commission File Number)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(IRS Employer Identification No.)</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8yOTM_59f80fc7-9f65-4adc-9a1f-bb8e17eeaf35">1600 West 7th Street</ix:nonNumeric>, <ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8yOTc_4ce5d1ca-b5f3-43dc-ac58-c9c93cb13922">Fort Worth</ix:nonNumeric>, <ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8zMDE_ef7b4b9a-e931-462e-9da4-1ea6cde7975f">Texas</ix:nonNumeric> <ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8zMDQ_ad391200-6d9d-4a6a-8c85-5db8403a965b">76102</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Address of principal executive offices, including zip code)</span></div><div><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(<ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8zNzA_8edcac80-0c28-4924-b679-2ad4612fb13d">817</ix:nonNumeric>) <ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8zNzQ_38e11db0-e4fe-4868-bbe1-d4668d893785">335-1100</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Registrant&#8217;s telephone number, including area code)</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Not Applicable</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(Former name or former address, if changed since last report)</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></div><div style="margin-bottom:1pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.137%"><tr><td style="width:1.0%"></td><td style="width:2.813%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.987%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:3pt;text-align:justify"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications" 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style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%;text-decoration:underline">Title of each class</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%;text-decoration:underline">Trading Symbol(s)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%;text-decoration:underline">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGFibGU6OTQ2MDhmMWM4ZGMwNDA4MTg4NTY3ODk2N2IwYWYwZGIvdGFibGVyYW5nZTo5NDYwOGYxYzhkYzA0MDgxODg1Njc4OTY3YjBhZjBkYl8xLTAtMS0xLTI2ODc1_45d4c3db-35e5-40a7-9cfb-c2a1992104e9">Common Stock, par value $.01 per share</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" name="dei:TradingSymbol" 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id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGFibGU6OTQ2MDhmMWM4ZGMwNDA4MTg4NTY3ODk2N2IwYWYwZGIvdGFibGVyYW5nZTo5NDYwOGYxYzhkYzA0MDgxODg1Njc4OTY3YjBhZjBkYl8xLTItMS0xLTI2ODc1_8fc485b0-5e07-4a5d-a85e-8be990d07416">The Nasdaq Stock Market</ix:nonNumeric></span></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#211d1e;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#211d1e;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Emerging growth company&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="if05a6a573f634c58befa41a0f70d42c4_D20211115-20211115" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany" id="id3VybDovL2RvY3MudjEvZG9jOjAyNmVhMGFmZDFmYjRhYzk4OGNkZGQ3NzgzMDJhNDAyL3NlYzowMjZlYTBhZmQxZmI0YWM5ODhjZGRkNzc4MzAyYTQwMl8xL2ZyYWc6NmU0Y2E2ZDE3OWVkNDNmZmEzYmQxYmY1ZjA2OTEyMTUvdGV4dHJlZ2lvbjo2ZTRjYTZkMTc5ZWQ0M2ZmYTNiZDFiZjVmMDY5MTIxNV8xMjcz_f40d2555-3bca-4f33-9c6a-309d5eb1500c">&#9744;</ix:nonNumeric></span><span style="color:#211d1e;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">     </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#211d1e;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9744;</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="i026ea0afd1fb4ac988cddd778302a402_7"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 7.01   Regulation FD Disclosure.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As previously disclosed on November 12, 2021, the Consumer Finance Protection Bureau (the &#8220;CFPB&#8221;) initiated a civil action in a Texas federal district court against FirstCash, Inc. (the &#8220;Company&#8221;) and Cash America West, Inc., one of the Company&#8217;s subsidiaries, alleging violations of the Military Lending Act (&#8220;MLA&#8221;). The CFPB also alleges that the Company violated a 2013 CFPB order against its predecessor company that, among other things, required the company to cease and desist from further MLA violations. The CFPB is seeking an injunction, redress for affected borrowers, and a civil money penalty. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company intends to vigorously defend against the allegations in this case, which it understands originated from a single customer complaint from 2019, which was immediately remediated by the Company.  Furthermore, the CFPB has not provided the Company with any evidence or support for its allegations, including its allegations that it has discovered approximately 3,600 transactions involving approximately 1,000 customers that may have violated the MLA. The CFPB&#8217;s characterizations of the Company as a repeat offender are also based on violations committed by a former subsidiary of Cash America that was fully divested two years before the Company&#8217;s acquisition of Cash America in 2016.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Company remains confident in its policies and procedures to ensure compliance with the MLA and its defenses to the CFPB&#8217;s allegations, the Company does not believe that an adverse outcome of this matter would have a material adverse impact on its financial condition or its business.  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is furnishing the information in this Current Report on Form 8-K to comply with Regulation FD. Such information shall not be deemed to be &#8220;filed&#8221; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any of the Company&#8217;s filings under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether made before or after the date hereof and regardless of any general incorporation language in such filings, except to the extent expressly set forth by specific reference in such a filing.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Forward Looking Information </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This Current Report on Form 8-K contains forward-looking statements about the business, financial condition and prospects of FirstCash, Inc. and its wholly owned subsidiaries (together, the &#8220;Company&#8221;). Forward-looking statements, as that term is defined in the Private Securities Litigation Reform Act of 1995, can be identified by the use of forward-looking terminology such as &#8220;outlook,&#8221; &#8220;believes,&#8221; &#8220;projects,&#8221; &#8220;expects,&#8221; &#8220;may,&#8221; &#8220;estimates,&#8221; &#8220;should,&#8221; &#8220;plans,&#8221; &#8220;targets,&#8221; &#8220;intends,&#8221; &#8220;could,&#8221; &#8220;would,&#8221; &#8220;anticipates,&#8221; &#8220;potential,&#8221; &#8220;confident,&#8221; &#8220;optimistic,&#8221; or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, guidance, expectations and future plans. Forward-looking statements can also be identified by the fact these statements do not relate strictly to historical or current matters. Rather, forward-looking statements relate to anticipated or expected events, activities, trends or results. Because forward-looking statements relate to matters that have not yet occurred, these statements are inherently subject to risks and uncertainties.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Company believes the expectations reflected in forward-looking statements are reasonable, there can be no assurances such expectations will prove to be accurate. Security holders are cautioned such forward-looking statements involve risks and uncertainties. Certain factors may cause results to differ materially from those anticipated by the forward-looking statements made in this Current Report on Form 8-K. Such factors may include, without limitation, the preliminary nature of the CFPB allegations, the difficulty in predicting or determining the timing or final outcome of the CFPB matter, or the effect that any adverse determinations with respect to the lawsuit may have on the Company&#8217;s business, financial condition and results of operations, which effect could be material and include the payment of substantial monetary damages, and such other factors discussed and described in the Company&#8217;s most recent Annual Report on Form 10-K filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;), including the risks described in Part 1, Item 1A, &#8220;Risk Factors&#8221; thereof, and in the other reports filed subsequently by the Company with the SEC. Many of these risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. The forward-looking statements contained in this Current Report on Form 8-K speak only as of the date of this Current Report on Form 8-K, and the Company expressly disclaims any obligation or undertaking to report any updates or revisions to any such statement to reflect any change in the Company&#8217;s expectations or any change in events, conditions or circumstances on which any such statement is based, except as required by law.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div style="text-align:center"><span><br/></span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:41.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:56.649%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Dated: November 15, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">FIRSTCASH, INC.</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(Registrant)</span></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">/s/ R. DOUGLAS ORR</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">R. Douglas Orr</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Executive Vice President and Chief Financial Officer</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(As Principal Financial and Accounting Officer)</span></td></tr></table></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3</span></div></div></div></body></html>
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fcfs-20211115
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM
8-K
Current Report
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported):
November 15, 2021
FIRSTCASH, INC.
(Exact name of registrant as specified in its charter)
Delaware
001-10960
75-2237318
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
1600 West 7th Street
,
Fort Worth
,
Texas
76102
(Address of principal executive offices, including zip code)
(
817
)
335-1100
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, par value $.01 per share
FCFS
The Nasdaq Stock Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
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Item 7.01   Regulation FD Disclosure.
As previously disclosed on November 12, 2021, the Consumer Finance Protection Bureau (the "CFPB") initiated a civil action in a Texas federal district court against FirstCash, Inc. (the "Company") and Cash America West, Inc., one of the Company's subsidiaries, alleging violations of the Military Lending Act ("MLA"). The CFPB also alleges that the Company violated a 2013 CFPB order against its predecessor company that, among other things, required the company to cease and desist from further MLA violations. The CFPB is seeking an injunction, redress for affected borrowers, and a civil money penalty.
The Company intends to vigorously defend against the allegations in this case, which it understands originated from a single customer complaint from 2019, which was immediately remediated by the Company.  Furthermore, the CFPB has not provided the Company with any evidence or support for its allegations, including its allegations that it has discovered approximately 3,600 transactions involving approximately 1,000 customers that may have violated the MLA. The CFPB's characterizations of the Company as a repeat offender are also based on violations committed by a former subsidiary of Cash America that was fully divested two years before the Company's acquisition of Cash America in 2016.
While the Company remains confident in its policies and procedures to ensure compliance with the MLA and its defenses to the CFPB's allegations, the Company does not believe that an adverse outcome of this matter would have a material adverse impact on its financial condition or its business.
The Company is furnishing the information in this Current Report on Form 8-K to comply with Regulation FD. Such information shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any of the Company's filings under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether made before or after the date hereof and regardless of any general incorporation language in such filings, except to the extent expressly set forth by specific reference in such a filing.
Forward Looking Information
This Current Report on Form 8-K contains forward-looking statements about the business, financial condition and prospects of FirstCash, Inc. and its wholly owned subsidiaries (together, the "Company"). Forward-looking statements, as that term is defined in the Private Securities Litigation Reform Act of 1995, can be identified by the use of forward-looking terminology such as "outlook," "believes," "projects," "expects," "may," "estimates," "should," "plans," "targets," "intends," "could," "would," "anticipates," "potential," "confident," "optimistic," or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, guidance, expectations and future plans. Forward-looking statements can also be identified by the fact these statements do not relate strictly to historical or current matters. Rather, forward-looking statements relate to anticipated or expected events, activities, trends or results. Because forward-looking statements relate to matters that have not yet occurred, these statements are inherently subject to risks and uncertainties.
While the Company believes the expectations reflected in forward-looking statements are reasonable, there can be no assurances such expectations will prove to be accurate. Security holders are cautioned such forward-looking statements involve risks and uncertainties. Certain factors may cause results to differ materially from those anticipated by the forward-looking statements made in this Current Report on Form 8-K. Such factors may include, without limitation, the preliminary nature of the CFPB allegations, the difficulty in predicting or determining the timing or final outcome of the CFPB matter, or the effect that any adverse determinations with respect to the lawsuit may have on the Company's business, financial condition and results of operations, which effect could be material and include the payment of substantial monetary damages, and such other factors discussed and described in the Company's most recent Annual Report on Form 10-K filed with the Securities and Exchange Commission (the "SEC"), including the risks described in Part 1, Item 1A, "Risk Factors" thereof, and in the other reports filed subsequently by the Company with the SEC. Many of these risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. The forward-looking statements contained in this Current Report on Form 8-K speak only as of the date of this Current Report on Form 8-K, and the Company expressly disclaims any obligation or undertaking to report any updates or revisions to any such statement to reflect any change in the Company's expectations or any change in events, conditions or circumstances on which any such statement is based, except as required by law.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: November 15, 2021
FIRSTCASH, INC.
(Registrant)
/s/ R. DOUGLAS ORR
R. Douglas Orr
Executive Vice President and Chief Financial Officer
(As Principal Financial and Accounting Officer)
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