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): July 16, 2004 (July 16, 2004) AMERICAN RETIREMENT CORPORATION (Exact name of registrant as specified in its charter) Tennessee 01-13031 62-1674303 (State of Incorporation) (Commission File No.) (IRS Employer Identification No.) 111 Westwood Place, Suite 200 Brentwood, Tennessee 37027 (Address of Principal Executive Office) (Zip code) Registrant's telephone number, including area code: (615) 221-2250 Item 9. Regulation FD Disclosure. On July 16, 2004, American Retirement Corporation issued a press release announcing the refinancing of its remaining mezzanine debt. A copy of the press release is furnished herewith as Exhibit 99.1. 2 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. AMERICAN RETIREMENT CORPORATION Date: July 16, 2004 By: /s/ Bryan D. Richardson -------------------------------- Name: Bryan D. Richardson Title: Executive Vice President and Chief Financial Officer 3 EXHIBIT INDEX ------------- No. Exhibit --- ------- 99.1 Press Release dated July 16, 2004 4