What specific financial data is provided in this 8-K?

This 8-K primarily serves to furnish Capital One's 'Monthly Charge-off and Delinquency Statistics' for the month ended November 30, 2009. The detailed figures for charge-offs and delinquencies are found in Exhibit 99.1, which is attached to this filing.

Why is this information important for investors?

Charge-off and delinquency statistics are critical indicators of a financial institution's credit quality and risk management effectiveness. For investors, these metrics help assess the health of Capital One's loan portfolio, its ability to manage potential credit losses, and ultimately, its impact on future profitability.

Is the information in this filing considered legally 'filed' with the SEC?

Information furnished under Item 7.01 (Regulation FD Disclosure), as is the case with the charge-off and delinquency statistics in this filing, is generally not considered 'filed' for the purposes of Section 18 of the Securities Exchange Act of 1934. This means it does not carry the same legal liabilities as a formally filed report. However, it is still publicly available information for investors to review.

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

The specific charge-off and delinquency statistics for November 2009 are contained within Exhibit 99.1, titled 'Monthly Charge-off and Delinquency Statistics — November 2009', which is part of this 8-K filing.

CAPITAL ONE FINANCIAL CORP 8-K: Regulation FD

Summary

Capital One Financial Corporation (COF) filed an 8-K on December 14, 2009, to furnish its Monthly Charge-off and Delinquency Statistics for the month ended November 30, 2009. This filing provides investors with updated performance metrics, offering insight into the company's credit risk management and asset quality during a period of economic challenge. While the specific numbers are not detailed in the 8-K's main text, the filing's purpose is to disclose these key operational statistics. Investors should review the furnished Exhibit 99.1 to understand trends in charge-offs and delinquencies, which are critical indicators of loan portfolio health and the company's ability to manage credit losses. These statistics are crucial for assessing the overall financial stability and future earnings potential of Capital One.

Key Highlights

1Filing Date: December 14, 2009
2Purpose: Furnishing Monthly Charge-off and Delinquency Statistics for November 2009.
3Key Information Source: Exhibit 99.1 contains the detailed statistics for November 2009.
4Regulation: Filed under Item 7.01 (Regulation FD Disclosure) and Item 9.01 (Financial Statements and Exhibits).
5Information furnished under Item 7.01 is not considered 'filed' for Section 18 liability purposes.
6The Chief Financial Officer, Gary L. Perlin, signed the report.
7The filing provides investors with timely updates on credit quality indicators.

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

Summary

Key Highlights

Frequently Asked Questions