Item 7.01 Regulation FD Disclosure.

On November 15, 2022, Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended October 31, 2022. A copy of this press release is attached hereto as Exhibit 99.1.

Item 9.01 Financial Statements and Exhibits.



(d) Exhibits

Exhibit No.   Document Description

  99.1        Press release dated November 15, 2022 providing a performance update as
              of and for the period ended October 31, 2022.

104           Cover Page Interactive Data File (embedded within the Inline XBRL
              document).

The information contained in this report (including Exhibit 99.1) shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such a filing.

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