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): April 9, 2003


                           AMERICAN EXPRESS COMPANY
            (Exact name of registrant as specified in its charter)


          New York                      1-7657                 13-4922250
-----------------------------  ------------------------    -------------------
(State or other jurisdiction   (Commission File Number)     (I.R.S. Employer
     of incorporation or                                   Identification No.)

       200 Vesey Street, World Financial Center
                  New York, New York                       10285
       ----------------------------------------          ----------
       (Address of principal executive offices)          (Zip Code)

      Registrant's telephone number, including area code: (212) 640-2000

         (Former name or former address, if changed since last report)


Item 9.   Regulation FD Disclosure

     In April, 2003, a purported class action was filed against American Express
Company and one of its  subsidiaries  (together,  the  "Company") in the Alameda
County Superior Court for the State of California in which the plaintiffs assert
two causes of action for violation of certain  sections of  California's  Unfair
Competition  Law and the California  Consumer Legal Remedies Act. The plaintiffs
allege that the Company purportedly failed to disclose a transaction fee that is
assessed on purchases of goods and/or services in a foreign currency and further
allege that the Company includes in its cardmember agreements unconscionable and
unlawful arbitration provisions.  Based on these allegations, the plaintiffs are
seeking injunctive relief, restitution, disgorgement, compensatory and exemplary
damages  and  attorneys'  fees and costs on their own  behalf and on behalf of a
putative  California  class.  The  Company  has not yet  been  served  with  the
Complaint  relating to the action.  The Company believes that it has meritorious
defenses  and,  in the  event  it is  served  with  the  Complaint,  intends  to
vigorously defend the action.


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 EXPRESS COMPANY

                                       By:    /s/ Stephen P. Norman
                                       Name:  Stephen P. Norman
                                       Title: Secretary

DATE: April 10, 2003