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

The main purpose of this 8-K filing is to furnish Capital One Financial Corporation's monthly charge-off and delinquency statistics for the month ended January 31, 2012, to the public under Regulation FD, ensuring timely disclosure of key credit performance data to investors.

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

The specific charge-off and delinquency statistics for January 31, 2012, are provided in Exhibit 99.1, which is attached to this Form 8-K filing.

Does this report affect Capital One's legal liabilities under the Securities Exchange Act of 1934?

No, the information furnished under Item 7.01 (Regulation FD Disclosure) in this report is not deemed 'filed' for the purposes of Section 18 of the Securities Exchange Act of 1934. Therefore, it does not subject Capital One to liabilities under that section. Additionally, it is not incorporated by reference into other filings.

What does 'charge-off' and 'delinquency' mean in this context?

Charge-off refers to a debt that a lender has determined is unlikely to be collected and is therefore written off as a loss. Delinquency refers to a borrower's failure to make payments on a debt when they are due. These metrics are key indicators of credit quality and risk management effectiveness for a financial institution like Capital One.

CAPITAL ONE FINANCIAL CORP 8-K: Regulation FD

Summary

Capital One Financial Corporation (COF) filed a Form 8-K on February 15, 2012, to report its monthly charge-off and delinquency statistics as of and for the month ended January 31, 2012. This filing is furnished under Regulation FD and does not constitute an admission of materiality for Section 18 purposes, nor is it incorporated into other SEC filings. The primary purpose of this report is to provide investors with timely updates on the company's credit performance metrics. Investors should note that the key information conveyed in this 8-K relates to the company's credit risk management and the performance of its loan portfolio. The January 2012 data provides a snapshot of charge-off rates and delinquency levels, which are critical indicators of the company's asset quality and its ability to manage credit losses. This information is essential for assessing the overall financial health and operational efficiency of Capital One.

Key Highlights

1Filing of Form 8-K on February 15, 2012.
2Reports monthly charge-off and delinquency statistics for January 31, 2012.
3Information furnished under Regulation FD.
4Exhibit 99.1 contains the detailed monthly statistics.
5The report provides an update on credit performance metrics.
6This filing is not deemed 'filed' for Section 18 purposes, limiting liability.
7Information is not incorporated by reference into other SEC filings.

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Feb 15, 2012)

Summary

Key Highlights

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