8-KRegulation FDExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jan 15, 2009)

Filed January 15, 2009For Securities:COFCOF-PLCOF-PICOF-PKCOF-PNCOF-PJ

Summary

Capital One Financial Corporation (COF) filed an 8-K on January 14, 2009, to report its Monthly Charge-off and Delinquency Statistics for December 2008. This filing provides investors with an update on key credit performance metrics as of the end of the year, a critical period during the ongoing financial crisis. The data reflects the company's performance in managing credit risk and its exposure to potential losses from customer defaults. Investors should pay close attention to the trends in charge-offs and delinquencies, as these figures are direct indicators of asset quality and the impact of economic conditions on Capital One's loan portfolio. While this report is furnished under Regulation FD and not considered 'filed,' it offers timely insight into the company's operational performance and credit environment, which are crucial for assessing the financial health and future outlook of Capital One.

Key Highlights

  • 1Capital One Financial Corporation (COF) filed an 8-K on January 14, 2009.
  • 2The filing furnishes the 'Monthly Charge-off and Delinquency Statistics — December 2008'.
  • 3This report provides an update on credit performance metrics for the month ended December 31, 2008.
  • 4The information is furnished under Item 7.01 (Regulation FD Disclosure).
  • 5The data is not deemed 'filed' for Section 18 of the Securities Exchange Act of 1934.
  • 6The filing includes Exhibit 99.1, which contains the December 2008 charge-off and delinquency data.
  • 7Gary L. Perlin, Chief Financial Officer, signed the report.

Frequently Asked Questions

The primary purpose of this 8-K filing is to furnish Capital One's monthly charge-off and delinquency statistics for December 2008 to the public. This provides investors with timely information regarding the company's credit portfolio performance.

The specific charge-off and delinquency statistics for December 2008 are provided in Exhibit 99.1, which is attached to this 8-K filing.

This filing does not contain unaudited or audited financial statements. It specifically provides monthly credit performance statistics and is furnished under Regulation FD for disclosure purposes.

No, the information furnished in this report, including Exhibit 99.1, is not deemed to be 'filed' for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section. It is provided for disclosure under Regulation FD.