What is the main purpose of this 8-K filing?

The main purpose of this 8-K filing is to furnish Capital One's monthly charge-off and delinquency statistics for September 2003, providing investors with an update on the company's credit performance.

Where can I find the specific charge-off and delinquency numbers?

The specific charge-off and delinquency statistics for September 2003 are located in Exhibit 99.1, which is part of this 8-K filing.

What does it mean that the information is 'furnished' under Regulation FD and not 'filed'?

When information is furnished under Regulation FD, it means it is being publicly disclosed to avoid selective disclosure, but it is not considered 'filed' for the purposes of Section 18 of the Securities Exchange Act of 1934. This generally means the company faces fewer liabilities for potential inaccuracies in this specific furnished information compared to information formally filed with the SEC.

Who is Gary L. Perlin and why is his signature important?

Gary L. Perlin is the Executive Vice President and Chief Financial Officer of Capital One Financial Corporation. His signature confirms that the filing has been made on behalf of the company and that he is responsible for its contents as per SEC regulations.

CAPITAL ONE FINANCIAL CORP 8-K SEC Disclosure

Summary

Capital One Financial Corporation (COF) filed an 8-K on October 22, 2003, to furnish its Monthly Charge-off and Delinquency Statistics for the month ended September 30, 2003. This filing provides investors with a snapshot of the company's credit performance in September. The Regulation FD disclosure highlights that this information is being furnished and not deemed "filed" under Section 18 of the Securities Exchange Act of 1934, meaning it does not carry the same liability implications for misstatements as a formally filed document. However, it remains a crucial data point for assessing credit risk and operational performance. Investors should pay close attention to the details within the furnished Exhibit 99.1, which is the core of this filing. While the 8-K itself doesn't contain the specific charge-off or delinquency numbers, it directs readers to this exhibit. Analyzing these monthly statistics is essential for understanding trends in loan defaults and the company's ability to manage its loan portfolio effectively, especially in the context of prevailing economic conditions at the time.

Key Highlights

1Capital One Financial Corp. (COF) filed an 8-K on October 22, 2003.
2The filing's primary purpose is to furnish September 2003 monthly charge-off and delinquency statistics.
3The information is provided under Regulation FD disclosure (Item 9).
4Exhibit 99.1 contains the detailed monthly charge-off and delinquency statistics for September 2003.
5The filing notes that the furnished information is not deemed "filed" under Section 18 of the Securities Exchange Act of 1934.
6Gary L. Perlin, Executive Vice President and Chief Financial Officer, signed the report.
7The report provides a regular update on credit risk indicators for investors.

CAPITAL ONE FINANCIAL CORP 8-K Report (Oct 22, 2003)

Summary

Key Highlights

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