The Form 424H Files Dataset is a structured archive of every Form 424H and 424H/A preliminary prospectus filed on EDGAR for asset-backed securities (ABS) shelf takedowns under Rule 424(h) of the Securities Act of 1933. Each record represents a single EDGAR submission — keyed by accession number — and contains the original preliminary prospectus HTML, an Exhibit 107 "Calculation of Filing Fee Table" HTML when one was filed, and a metadata.json sidecar describing the filing, its registrants, and its document inventory. Form 424H exists because Rule 424(h), adopted by Reg AB II in 2014, requires ABS shelf takedowns under Rule 415(a)(1)(vii) or (a)(1)(xii) to post a preliminary prospectus on EDGAR at least three business days before the first sale of securities, giving investors a fixed pre-sale review window. The filer is the bankruptcy-remote ABS depositor, with the issuing trust appearing as a co-registrant; sponsors include captive auto finance arms, credit-card master trust sponsors, equipment finance subsidiaries, mortgage finance subsidiaries, and specialty consumer-credit lenders. Coverage runs from September 2015 — the earliest 424H filings on EDGAR after Rule 424(h) became effective — to the present, distributed as monthly ZIP containers.
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Each record in the 424H Files dataset is a single EDGAR submission whose form type is either 424H (a preliminary prospectus filed under Rule 424(h) for an asset-backed securities offering) or 424H/A (an amendment to such a preliminary prospectus). The unit is the accession number: each accession occupies its own folder containing a JSON metadata sidecar plus the original EDGAR-submitted HTML documents that make up the filing. The dataset preserves the filing as a coherent document set rather than as a row-level decomposition of the prospectus narrative; there is no parsing into sub-items.
Form 424H is a preliminary prospectus filed pursuant to Rule 424(h) under the Securities Act of 1933. Rule 424(h) requires that an issuer of asset-backed securities registered on a shelf basis under Rule 415(a)(1)(vii) file a preliminary prospectus with the Commission at least three business days before the first sale of securities in the offering. (Rule 415(a)(1)(xii) — separate shelf-registration eligibility for ABS issuers added by Reg AB II — is functionally aligned, and ABS shelf takedowns commonly cite both subsections.) The 424H sits between the base prospectus and the final pricing prospectus filed on Form 424B: it discloses substantially all material terms of the offering, the asset pool, the deal mechanics, and credit enhancement, but it does so before final pricing and before the trade window opens, providing investors a fixed pre-sale review period. Because the filer population is structurally narrow — ABS depositors and their issuing trusts — records concentrate in SIC 6189 ("Asset-Backed Securities") and Delaware-organized special-purpose entities, with two registrants (the depositor LLC and the issuing trust) appearing together on the cover.
Form 424H/A is the amendment counterpart, filed when material changes are made to a previously filed 424H — for example, revised pool stratifications, restructured tranches, updated credit enhancement levels, changed servicer or sponsor disclosures, or material risk-factor changes. Each 424H/A is its own accession with its own metadata and document set, not a delta against the original; consumers must join amendments to their parent 424H by registration file number, issuer name, and chronology. The dataset is distributed as ZIP archives sharded by year and year-month, with HTML and JSON as the only physical file types in each accession folder.
Each record in this dataset is a Form 424H or 424H/A submitted on EDGAR for an asset-backed securities (ABS) shelf takedown. The SEC registrant filer is the depositor: the bankruptcy-remote, limited-purpose finance subsidiary that acquires the receivables from the sponsor and conveys them to the issuing entity. The issuing trust (a statutory trust, common-law trust, or other special-purpose vehicle) is typically named as a co-registrant on the related shelf registration statement, but the EDGAR filer identity, signatures, and substantive Section 5 obligation rest with the depositor.
Depositors that file 424H prospectuses are sponsored by:
The sponsor, servicer, trustee, originators, and underwriters are disclosure subjects inside the prospectus, not filers of the 424H. They appear as 424H filers only when they also act in the depositor role.
Form 424H is filed under Rule 424(h) of the Securities Act of 1933. The rule requires that, for any takedown off an effective ABS shelf, the preliminary prospectus must be filed on EDGAR at least three business days before the first sale of securities in the offering. "First sale" is, in practice, pricing of the offered notes or certificates, so the depositor must time marketing such that the preliminary prospectus is on the public record three full EDGAR business days before pricing and allocation.
Rule 424(h) operates within the ABS shelf framework of Rule 415(a)(1)(vii) (asset-backed securities offered on a delayed or continuous basis) and Rule 415(a)(1)(xii) (mortgage-related and similar pass-through securities). The shelf is registered on Form SF-3 (or, for legacy deals, Form S-3 with ABS supplements; some issuers also rely on automatic shelf registration statement (ASR) features upstream). Each takedown then produces a 424H preliminary prospectus, followed at or after pricing by a final Form 424B prospectus or prospectus supplement (commonly 424B2, 424B3, or 424B5) carrying the final pricing terms.
A Form 424H/A is triggered by material changes to the preliminary prospectus before pricing — changes to deal structure, pool composition, credit enhancement, transaction parties, or material new risk factors. Depending on the nature of the change, the amendment can restart or extend the three-business-day waiting period. Non-material edits and pricing-driven terms are not amended via 424H/A; they are reflected in the final 424B at pricing.
Rule 424(h) was created by the SEC's Regulation AB II rulemaking (Asset-Backed Securities Disclosure and Registration, Release No. 33-9638, adopted August 2014), with the preliminary-prospectus filing requirement becoming effective in 2015. There is no pre-2015 paper or EDGAR analogue for this record type, which is why the dataset's earliest filings appear in September 2015, as new ABS shelf takedowns began complying with the rule.
The dataset is distributed as ZIP archives sharded by year and year-month (for example, 2025/2025-08.zip). Each archive unpacks into a single year-month directory. Below that directory, every record lives in its own subdirectory whose name is the EDGAR accession rendered as a zero-padded 18-digit string with the dashes stripped: NNNNNNNNNN-YY-NNNNNN becomes NNNNNNNNNNYYNNNNNN. The dashed accession is preserved inside metadata.accessionNo.
Each accession folder contains:
metadata.json — exactly one per record, a single JSON object describing the filing.a424h.htm (typical of the Broadridge-prepared 0000929638-* filer family) appear alongside issuer-coded names such as eart2025-4_424h.htm, n5210_x6-424h.htm, and n5230_x5-424h.htm. The prospectus body ranges from a few megabytes to over twenty megabytes for large CMBS or auto deals.exhibit107.htm or issuer-coded variants such as n5230_x5ex107.htm), typically tens of kilobytes. Some records ship without this exhibit.The file-types found in the dataset are HTML and JSON. Image assets referenced by the prospectus (issuer logos, charts, tables rendered as JPGs such as verizon_logo.jpg or n5230ts_img003.jpg) and the consolidated EDGAR .txt submission are enumerated inside metadata.json but are not physically extracted into the ZIP — image files are excluded by design, and the consolidated .txt envelope is referenced by URL only. Consumers walking metadata.documentFormatFiles cannot assume every entry has a corresponding file on disk; only entries with type equal to 424H or EX-FILING FEES are reliably present locally.
metadata.json schemaThe metadata sidecar is a flat JSON object with a small, stable set of top-level fields:
formType — "424H" or "424H/A".accessionNo — the dashed 18-digit EDGAR accession (e.g. 0000929638-25-002862).filedAt — ISO-8601 timestamp with the Eastern offset (-04:00 or -05:00).description — short EDGAR description, commonly "Form 424H -" with an empty trailing tail.linkToFilingDetails — direct URL to the primary 424H document under www.sec.gov/Archives/edgar/data/....linkToTxt — URL to the consolidated EDGAR .txt submission for the accession.linkToHtml — URL to the EDGAR *-index.htm filing-index page.linkToXbrl — present but typically empty for this form type, since 424H prospectus bodies are not XBRL-tagged. The slot exists for schema parity with other dataset products.id — 32-character hex string used as a content / dataset-internal identifier.documentFormatFiles — an ordered array of submitted-document descriptors. Each entry carries sequence (string), size (string bytes), documentUrl (fully-qualified www.sec.gov URL, occasionally using the inline-XBRL viewer prefix https://www.sec.gov/ix?doc=/... when the exhibit ships extracted XBRL), type (EDGAR document-type code: 424H, EX-FILING FEES, GRAPHIC, etc.), and description (free-text label such as "FILING FEES TABLE", "GRAPHIC", or "Complete submission text file"). The trailing entry of this array is a sentinel for the full-submission .txt file: its sequence and type are a literal single space (" "). Downstream consumers must filter that sentinel out before treating it as a real document.dataFiles — array, usually empty. Populated when the filing ships extracted XBRL/XML data files, in which case an entry with type: "XML" and a description such as "EXTRACTED XBRL INSTANCE DOCUMENT" references a file like *ex107_htm.xml (the structured form of the Exhibit 107 fees table).seriesAndClassesContractsInformation — array; the slot exists for ABS series-and-class metadata but is empty for this form type.entities — array of filer/registrant entity objects. ABS 424H filings characteristically expose two entries: the depositor LLC and the issuing trust. Each entity carries companyName (with the role suffix (Filer) baked into the string, e.g. "Verizon ABS II LLC (Filer)"), cik, irsNo (sometimes absent), fileNo (registration file number — the depositor takes the root such as 333-278415 and the issuing trust takes a -NN-suffixed variant such as 333-278415-01), filmNo, sic (consistently "6189 Asset-Backed Securities"), stateOfIncorporation (typically "DE"), act ("33" for the Securities Act), fiscalYearEnd ("1231"), and type (the form code).The primary 424H HTML opens with EDGAR's SGML envelope wrapping the actual <html> body. The Exhibit 107 wrapper additionally carries a <DESCRIPTION> line (<DESCRIPTION>FILING FEES TABLE). HTML head comments frequently identify the document-preparation toolchain — Broadridge PROfile is common for the 0000929638-* depositor families.
The prospectus body follows the conventional ABS preliminary-prospectus organization. Exact sectioning varies by issuer, deal type (auto loans, auto leases, credit cards, equipment, student loans, CMBS, RMBS), and underwriter house style, but the typical content blocks, in order, are:
Because 424H is a preliminary disclosure, tranche sizes, coupons, and pricing-dependent figures may appear bracketed or blank in the document body; final pricing values are filled in at the 424B stage.
The Exhibit 107 body, when present, contains the Calculation of Filing Fee Table with registrant name, security type, transaction valuation, fee rate, and fee due — the structured replacement for the legacy fee-calculation footnote on the registration statement cover.
A 424H is preliminary and time-gated by the three-business-day pre-sale rule. A 424B (for ABS, typically 424B2 or 424B5) is the final pricing prospectus, filed at or shortly after pricing, and contains the fixed terms — coupons, prices, settlement date, final tranche sizes — that were left blank or bracketed in the 424H. Structurally the documents look very similar, but the 424H carries the Rule 424(h) legend and "SUBJECT TO COMPLETION" cover marking and frequently shows price-related fields as placeholders.
A 424H/A is itself a preliminary document: it republishes the prospectus with material changes incorporated, retaining the preliminary legend, and resets the three-business-day investor review window. Amendments are not stored as diffs — each 424H/A is a complete, self-contained prospectus accession. Reconstructing an offering's full preliminary-disclosure history requires chronologically ordering all 424H and 424H/A accessions sharing the same registration file-number root and issuer.
Each HTML file in the dataset is the original EDGAR-submitted document, which means an SGML envelope precedes the <html> body and must be skipped by HTML parsers that do not tolerate the SGML preamble. The envelope of a primary 424H prospectus looks like:
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<DOCUMENT>
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<TYPE>424H
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<SEQUENCE>1
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<FILENAME>a424h.htm
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<TEXT>
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<html>
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...
Exhibit 107 wrappers add a <DESCRIPTION>FILING FEES TABLE line between <FILENAME> and <TEXT>. The envelope is not closed with a matching </DOCUMENT> until after the HTML body, and the SGML tags are unquoted attribute-style markers, not valid HTML or XML.
Several structural quirks are worth pinning down before iterating over a record:
*.htm or, more reliably, locate the prospectus and the fees exhibit by their metadata.documentFormatFiles[*].type codes (424H and EX-FILING FEES).documentFormatFiles is the consolidated .txt submission sentinel, with sequence and type set to a literal single space (" "). It is not a real document and must be filtered out.<img> tags inside the prospectus body resolve to missing local resources because graphics are excluded from the ZIP, even though their EDGAR URLs are captured in metadata. Code that needs the images must fetch them from EDGAR.-NN issuer suffix is the more reliable family identifier. Both entities share act = "33", sic = "6189 Asset-Backed Securities", stateOfIncorporation = "DE", and fiscalYearEnd = "1231".linkToXbrl and seriesAndClassesContractsInformation are present on every record but consistently empty for this form type. dataFiles is usually empty and only populates when extracted XBRL accompanies the Exhibit 107 fees table.Each record physically includes the metadata JSON, the primary 424H prospectus HTML, and the Exhibit 107 fees table HTML when one was filed. Image assets (JPG, GIF, PNG) and the consolidated .txt submission envelope are excluded from the ZIP payload; their existence and EDGAR URLs are still recorded in metadata.documentFormatFiles. Files belonging to the broader registration — the base prospectus on Form S-3, prior 424B5 or FWP filings, supplemental Free Writing Prospectuses, and Reg AB II asset-level data files filed on Form ABS-EE — are not part of a 424H accession and are not included; they live in their own EDGAR submissions and must be accessed separately.
Form 424H itself was created by the SEC's 2014 Reg AB II rulemaking ("Asset-Backed Securities Disclosure and Registration," Release Nos. 33-9638 and 34-72982), which adopted Rule 424(h) and the three-business-day pre-sale waiting period. The rule applied to shelf-registered ABS offerings under Rule 415(a)(1)(vii), and the first 424H filings appear on EDGAR in 2015 — which is why the dataset's coverage starts in September 2015. Reg AB II also introduced the asset-representations-reviewer disclosures, the asset-level data file requirements (separately filed on Form ABS-EE), and the dispute-resolution and investor-communication mechanisms that 424H prospectuses now describe.
Exhibit 107 — the standalone "Calculation of Filing Fee Table" — is a more recent structural addition. It results from the SEC's October 2021 amendments to filing-fee disclosure (Release No. 33-10997, "Filing Fee Disclosure and Payment Methods Modernization"), which moved the fee table off the registration-statement cover into a separately tagged exhibit, with a phased compliance window that reached general applicability across registered offerings in 2022. Filings after that compliance date typically carry an EX-FILING FEES document at sequence 2, often accompanied by an extracted inline XBRL XML companion in dataFiles. Earlier 424H filings predate this exhibit and contain only the prospectus HTML plus image assets; the absence of exhibit107.htm in earlier accession folders is therefore expected rather than anomalous, and Exhibit 107 should be treated as conditionally present based on filing date.
The 424H prospectus body itself has been HTML throughout the dataset's coverage window: the form was created in the post-ASCII EDGAR era, so there is no legacy text-only ASCII generation to account for. Inline-XBRL tagging of the prospectus narrative did not occur — linkToXbrl is consistently empty — but inline-XBRL tagging of the Exhibit 107 fee table did follow the 2021 fee-modernization rule, surfacing in this dataset as occasional https://www.sec.gov/ix?doc=... URLs in documentFormatFiles and as XML entries in dataFiles.
Form 424H sits at the intersection of three constraints: it is a preliminary prospectus, it is restricted to asset-backed securities, and it is governed by a statutory pre-sale waiting period under Rule 424(h) (added by Reg AB II in 2014) for shelf takedowns under Rule 415(a)(1)(vii) or (a)(1)(xii). Its place in the deal lifecycle is fixed: shelf registration on SF-3/S-3 -> preliminary prospectus on 424H -> optional FWP marketing -> final pricing prospectus on 424B5/424B2 -> ongoing 10-D distribution reports with ABS-EE asset data, plus ABS-15G diligence and reps-and-warranties reports. Each neighboring dataset overlaps on one of those axes and diverges on the others.
Same Rule 424 family, same shelf takedowns, opposite side of pricing. 424H is the pre-sale preliminary prospectus filed at least three business days before the first sale; the 424B variants are the final or post-effective prospectuses filed at or after pricing (424B5 carries the final pricing supplement that typically closes out an ABS takedown, 424B2 carries delayed-offering primary prospectuses with the offering price, 424B3 carries substantive changes to a previously filed prospectus). One ABS deal usually produces a 424H and then a 424B5 days later — same deal, different stages. Sharpest distinction: 424H is what investors saw before they could buy; 424B is what priced.
Both are preliminary prospectuses under Rule 424, but 424A is the corporate-finance analog: a Section 10(a)(3) update or material change to a prospectus inside an effective non-ABS registration statement. It is not tied to Rule 415(a)(1)(vii)/(xii) and carries no three-business-day pre-sale gap. Filer populations are largely disjoint — operating issuers for Form 424A, ABS depositors and sponsors for 424H. Sharpest distinction: 424A is preliminary for non-ABS shelves with no pre-sale waiting period; 424H is the ABS-only preliminary with the Rule 424(h) gap.
FWPs travel alongside 424H in nearly every ABS deal and are the most easily confused neighbor. They are not prospectuses. An ABS FWP is supplemental written marketing under Rule 433 — preliminary collateral term sheets, computational materials, structural diagrams — that must be filed but does not satisfy prospectus-delivery obligations. The 424H is the formal preliminary prospectus that satisfies Rule 424(h); the FWP supplements it with marketing-desk granularity. Sharpest distinction: 424H is the prospectus that satisfies delivery; FWP is permitted marketing that does not.
ABS-EE is the structured-data counterpart under Reg AB II Item 1111: XML schedules of loan-level and pool-level asset data with no prospectus narrative. It is filed as an exhibit at issuance and then periodically with 10-D over the deal's life. 424H summarizes the pool in prose and tables; ABS-EE delivers the underlying assets as machine-readable rows. Most ABS analytics need both. Sharpest distinction: 424H is preliminary prospectus narrative; ABS-EE is the structured loan-level asset tape.
Form ABS-15G covers a different obligation entirely: third-party due-diligence reports under Rule 15Ga-2 and representations-and-warranties demand/repurchase-history reports under Rule 15Ga-1. The filer is typically a securitizer or NRSRO-engaged diligence provider, and the content is diligence and repurchase performance, not offering disclosure. Sharpest distinction: 424H is what is being offered; ABS-15G is what diligence was performed and how prior reps and warranties have held up.
10-D is the ongoing post-issuance distribution report for ABS, filed periodically after closing with collection, distribution, performance, and event-of-default information, typically with ABS-EE attached. The relationship to 424H is sequential, not overlapping. Sharpest distinction: 424H is issuance-side pre-sale disclosure; 10-D is servicing-side periodic disclosure over the trust's life.
SF-3 is the ABS-specific shelf registration statement under which 424H prospectuses are taken down (S-3 and S-3ASR play the same role for non-ABS or pre-Reg-AB-II programs). The relationship is hierarchical: the shelf is filed once and covers a program; 424H is filed each time a series is offered off it. Sharpest distinction: SF-3/S-3 is the registered shelf program; 424H is one preliminary takedown off that shelf.
Both appear in offering contexts but are not prospectuses. 425 is for written communications about business-combination transactions under Rule 425; 8-K is the current-report form for material events, used by ABS issuers in some structures. Neither carries prospectus content, neither satisfies Rule 424(h), and neither triggers the three-business-day pre-sale gap. Sharpest distinction: 425 and 8-K are deal communications and event reports, not the preliminary prospectus that lets ABS investors evaluate the offering.
Form 8-A registers a class of securities under Section 12 of the Exchange Act, typically to enable listing. Different statutory hook (Exchange Act Section 12 vs. Securities Act Section 5), no offering disclosure. Sharpest distinction: 8-A is Exchange Act class registration; 424H is Securities Act offering disclosure.
Form 424H is the only SEC filing type that is simultaneously (1) a preliminary prospectus, (2) restricted to ABS shelf takedowns under Rule 415(a)(1)(vii) or (a)(1)(xii), and (3) bound by Rule 424(h) to sit on EDGAR for at least three business days before the first sale, with 424H/A amendments resetting or supplementing that window on material changes. No other Rule 424 variant covers the pre-sale ABS window; no ABS dataset (FWP, ABS-EE, ABS-15G, 10-D) carries the formal preliminary prospectus narrative; no registration form (SF-3, S-3, 8-A) operates at the deal-takedown level. For research that needs the disclosure ABS investors actually saw before they could buy — risk factors, pool description, tranche structure, credit enhancement, servicer and sponsor information as initially presented — 424H is the only dataset that isolates exactly that content at exactly that timing. The neighbors complement it; none substitute for it.
Form 424H and 424H/A filings are the earliest deal-specific public disclosure for new ABS transactions, posted at least three business days before first sale. The professional users are correspondingly narrow and structured-finance specific.
Credit analysts at asset managers, insurance investment arms, and credit hedge funds covering auto, credit card, equipment, student loan, solar, esoteric, and RMBS/CMBS sectors use 424H as the input to pre-pricing diligence. They work the asset pool stratifications (FICO and LTV bands, geography, seasoning, WAC), the capital stack (class sizes, coupons, WAL, payment waterfall, triggers), and credit enhancement (subordination, OC, reserve accounts, excess spread, swap counterparties). Workflow: compare the new takedown to the same depositor's prior prints, run break-even cash flows on subordinate tranches, set a pricing view before the 424B5 lands.
Researchers writing pre-pricing notes pull collateral stratifications, static-pool and managed-portfolio performance tables, and changes to eligibility or concentration limits versus prior shelf takedowns. The 424H/A amendments matter most: pool cuts, enhancement step-ups, or structural tweaks between preliminary and priced versions reveal issuer flexibility and investor pushback.
Pre-sale and surveillance analysts reconcile the 424H against committee assumptions, checking pool composition, enhancement levels, trigger definitions, servicer reporting frequency, and referenced legal opinions. The 424H/A is treated as the authoritative pre-pricing structure; deltas are run back through cash-flow models before final ratings publish.
Issuer, underwriter, depositor, and indenture-trustee counsel use the corpus for precedent retrieval and comparative drafting. They mine risk factors by asset class, reps and warranties on pool assets, repurchase and dispute-resolution mechanics, Regulation AB II disclosures, true-sale and bankruptcy-remoteness language, clean-up call mechanics, and servicer covenants. Supports redlines against precedent, comment-letter responses, and shelf updates.
Use 424H as competitive intelligence over their own pipeline. The entities array (depositor and issuing trust), filedAt timestamps, sponsor identity, and Exhibit 107 fee totals feed league-table prep, sponsor coverage targeting, and timing analytics on the 424H-to-424B5 gap. Structural innovations across competitor deals inform pitch decks and structuring proposals.
PMs running ABS, opportunistic credit, insurance general account, and short-duration mandates use filedAt and entity fields to maintain a forward calendar and order-book plan. Capital stack and enhancement details drive cross-deal relative value and sizing decisions independent of underwriter marketing.
Investment risk and credit risk teams validate trades against NAIC designations, eligibility rules, derivative limits, and sponsor/servicer concentration policies. Inputs of interest: tranche ratings, expected WAL, swap and hedging disclosures, and aggregate sponsor exposure across active shelves.
Quants at credit hedge funds, multi-strategy shops, and systematic FI desks use filedAt for supply timing and seasonality, pool stratification tables for collateral-quality features in spread models, and sponsor/servicer entities for issuer-level supply forecasts. The 424H/A subset is used as an amendment-frequency signal of market conditions.
Teams building structured-finance data products parse the entities array (depositor, issuing trust, sponsor, servicer, indenture trustee), tranche tables, and Exhibit 107 fee tables to populate deal calendars and league tables. The fee exhibit is the cleanest structured source of aggregate offering size for sponsor and asset-class market-share aggregation.
Broker-dealer and asset-manager compliance teams confirm ABS purchases were made against a properly filed preliminary prospectus inside the Rule 424(h) three-day window, using filedAt to evidence delivery timing and entity fields for counterparty and concentration monitoring.
Researchers studying Regulation AB II compliance, disclosure quality, and securitization economics use the corpus as a longitudinal record from September 2015 forward. filedAt panels support time-to-pricing studies; pool tables and enhancement disclosures support cross-sponsor and cross-cycle comparisons.
Advisers on transactions involving consumer-finance originators, specialty lenders, auto finance platforms, and equipment lessors mine a target's 424H history for shelf cadence, structural evolution, servicer arrangements, and disclosed pool performance, feeding funding-platform valuation and peer benchmarking.
The records pair a preliminary ABS prospectus (with pool, capital stack, and enhancement disclosures) to clean filing metadata (filedAt, entities, fileNo, formType), so most use cases combine narrative content extraction with cross-deal time-series analytics.
Real-time ABS deal-pipeline construction. Watch new accessions by filedAt, group by sponsor and depositor via the entities array and fileNo root, and emit a forward calendar of in-marketing deals at least three business days before first sale. Drives syndicate-desk pipeline boards, buy-side order-book planning, and pre-pricing coverage assignments.
Same-sponsor pool-stratification deltas. For repeat shelves (e.g. Verizon ABS II, captive auto trusts, credit-card master trusts), diff FICO and LTV bands, geographic concentration, WAC, seasoning, and concentration limits across consecutive takedowns from the same fileNo root. Flags collateral drift between prints and feeds pre-pricing relative-value notes.
424H-to-424B5 timing analytics. Join each 424H accession to its eventual 424B5 final pricing prospectus on registration file number and issuer, then measure the elapsed business days. Surfaces market-window stress (extended preliminary periods), benchmarks underwriter execution, and supports time-to-pricing panels for academic and quant work.
Exhibit 107 fee aggregation for league tables and market share. Parse the EX-FILING FEES document (or the extracted XBRL XML in dataFiles) to lift transaction valuation and fees due, then aggregate by sponsor, depositor, and asset class. Yields an objective offering-size ledger that underpins ABS league-table products and sponsor-level market-share dashboards independent of voluntary deal-data submissions.
424H/A amendment surveillance. Filter the corpus to formType = "424H/A" and chronologically pair each amendment to its parent 424H. Pool cuts, enhancement step-ups, tranche resizing, or servicer changes between preliminary versions surface investor pushback and structural concessions before pricing — a signal used by both research desks and rating-agency analysts.
Backtesting enhancement levels against post-issuance performance. Pull credit-enhancement levels (subordination, OC, reserve floors, excess spread) from the 424H prospectus body, link to subsequent 10-D distribution reports and ABS-EE asset tapes for the same trust, and test whether issuance-time enhancement correlates with realized losses, trigger breaches, or step-down outcomes. Drives sponsor-tier credit models and committee assumptions.
Issuer- and underwriter-side document drafting. Use the corpus as a precedent library for risk factors, reps and warranties, repurchase and dispute-resolution mechanics, true-sale and bankruptcy-remoteness language, clean-up call provisions, and servicer covenants. Supports redlines against prior takedowns, shelf updates, and SEC comment-letter responses for structured-finance counsel.
New-sponsor and new-asset-class entry detection. Track first-time entities[*].cik and fileNo roots appearing in 424H filings and reconcile against the prior population of SIC 6189 depositors. Flags new shelves entering the market (e.g. solar ABS, data-center ABS, esoteric structures) for coverage banker targeting and competitive-intelligence reporting.
Dataset Index JSON API: https://api.sec-api.io/datasets/form-424h-files.json
Returns dataset-level metadata (name, description, last updated timestamp, earliest sample date, total records and total size, covered form types, container format, and file types) along with the full dataset download URL and the list of monthly container files. Each container entry includes its key, size, record count, last updated timestamp, and download URL. This endpoint does not require an API key and can be polled to detect which containers were refreshed in the latest run, so only the changed monthly archives need to be downloaded on a daily basis.
Example response:
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{
2
"datasetId": "1f13365b-9ae0-6970-b216-c39076897c14",
3
"datasetDownloadUrl": "https://api.sec-api.io/datasets/form-424h-files.zip",
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"name": "Form 424H Files Dataset",
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"updatedAt": "2026-04-28T02:57:31.083Z",
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"earliestSampleDate": "2015-09-01",
7
"totalRecords": 1987,
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"totalSize": 735281900,
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"formTypes": ["424H", "424H/A"],
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"containerFormat": "ZIP",
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"fileTypes": ["HTML", "JSON"],
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"containers": [
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{
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"downloadUrl": "https://api.sec-api.io/datasets/form-424h-files/2026/2026-04.zip",
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"key": "2026/2026-04.zip",
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"size": 13818783,
17
"records": 12,
18
"updatedAt": "2026-04-28T02:57:31.083Z"
19
}
20
]
21
}
Download Entire Dataset: https://api.sec-api.io/datasets/form-424h-files.zip?token=YOUR_API_KEY
Downloads the complete dataset as a single ZIP archive containing all monthly containers from September 2015 to the present. This endpoint requires an API key.
Download Single Container: https://api.sec-api.io/datasets/form-424h-files/2026/2026-04.zip?token=YOUR_API_KEY
Downloads one monthly container archive instead of the full dataset. Replace the year and month segments with the desired container key (format: YYYY/YYYY-MM.zip) as listed in the dataset index. This endpoint requires an API key.
Rule 424(h) under the Securities Act of 1933 was added by the SEC's 2014 Reg AB II rulemaking. It requires that, for any takedown off an effective ABS shelf registered under Rule 415(a)(1)(vii) or (a)(1)(xii), the issuer file a preliminary prospectus on EDGAR at least three business days before the first sale of securities in the offering. Form 424H is the form used to satisfy that obligation, and it is the only filing type bound by that pre-sale waiting period.
Form 424H is the preliminary prospectus filed before pricing under Rule 424(h); Form 424B (typically 424B2 or 424B5 for ABS) is the final pricing prospectus filed at or after pricing. The two documents look structurally similar, but the 424H carries the "SUBJECT TO COMPLETION" cover marking and Rule 424(h) legend and frequently leaves coupons, prices, settlement dates, and final tranche sizes bracketed or blank — those values are filled in at the 424B stage.
A Form 424H/A is filed when material changes are made to a previously filed 424H before pricing — for example, revised pool stratifications, restructured tranches, updated credit enhancement levels, changed servicer or sponsor disclosures, or new material risk factors. Each 424H/A is its own complete, self-contained prospectus accession, not a delta against the original, and it can restart or extend the three-business-day pre-sale waiting period depending on the nature of the change.
The SEC registrant filer is the depositor — the bankruptcy-remote, limited-purpose finance subsidiary that acquires the receivables from the sponsor and conveys them to the issuing entity. The issuing trust appears as a co-registrant on the related shelf registration statement, so 424H filings characteristically expose two entries in metadata.entities: the depositor LLC and the issuing trust. The sponsor, servicer, trustee, originators, and underwriters are disclosure subjects inside the prospectus, not filers.
Rule 424(h) was created by Reg AB II (Release No. 33-9638), adopted in August 2014, with the preliminary-prospectus filing requirement becoming effective in 2015. The earliest 424H filings appear on EDGAR in September 2015 as new ABS shelf takedowns began complying with the rule. There is no pre-2015 paper or EDGAR analogue for this record type.
Each accession folder contains a metadata.json sidecar describing the filing, the primary 424H prospectus as one HTML document (using the original EDGAR-submitted filename), and optionally an Exhibit 107 "Calculation of Filing Fee Table" HTML when one was filed. Image assets referenced by the prospectus and the consolidated EDGAR .txt submission are enumerated in the metadata but excluded from the ZIP payload; they must be fetched from EDGAR directly when needed.
No. The 424H prospectus summarizes the asset pool in prose and tables (FICO and LTV bands, geography, vintage, balance, rate, and term, plus historical static-pool and managed-portfolio performance), but it does not contain the structured loan-level rows. Those live in Form ABS-EE, the Reg AB II Item 1111 XML asset-data exhibit, which is filed separately at issuance and periodically with 10-D over the deal's life. Most ABS analytics that need both narrative and loan-level detail combine the 424H Files dataset with ABS-EE.
Use the single-container endpoint https://api.sec-api.io/datasets/form-424h-files/YYYY/YYYY-MM.zip?token=YOUR_API_KEY, replacing YYYY/YYYY-MM with the container key listed in the dataset index JSON at https://api.sec-api.io/datasets/form-424h-files.json. Polling the index is the recommended way to detect which monthly containers were refreshed in the latest run and pull only the changed archives.