SECURITIES AND EXCHANGE COMMISSION
                              Washington D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT

                         PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934


                                November 12, 2002
                Date of Report (Date of earliest event reported)



                         THE CHARLES SCHWAB CORPORATION
             (Exact name of registrant as specified in its charter)





           Delaware                      1-9700                 94-3025021
  (State or other jurisdiction         Commission            (I.R.S. Employer
of incorporation or organization)      File Number        Identification Number)



                   120 Kearny Street, San Francisco, CA 94108
              (Address of principal executive offices and zip code)
       Registrant's telephone number, including area code: (415) 627-7000





                         THE CHARLES SCHWAB CORPORATION

Item 9. Regulation FD Disclosure

On November 12, 2002, the Chairman of the Board and Co-Chief  Executive Officer,
President and Co-Chief Executive Officer, and Executive Vice President and Chief
Financial  Officer each executed  certifications  required by 18 U.S.C.  Section
1350 (as adopted by Section 906 of the  Sarbanes-Oxley Act of 2002) with respect
to the Company's  Quarterly  Report on Form 10-Q for the quarter ended September
30, 2002. Copies of the certifications are furnished as Exhibits 99.1, 99.2, and
99.3 to this Current Report on Form 8-K pursuant to Regulation FD.



                                    SIGNATURE

     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 thereunto duly authorized.

                                           THE CHARLES SCHWAB CORPORATION
                                                (Registrant)

Date:  November 12, 2002                        /s/ John E. Danton
       --------------------                     -------------------------
                                                John E. Danton,
                                                Senior Vice President and
                                                  Corporate Controller


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Exhibit Index

99.1    Certification Pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to
        Section 906 of The Sarbanes-Oxley Act of 2002.

99.2    Certification Pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to
        Section 906 of The Sarbanes-Oxley Act of 2002.

99.3    Certification Pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to
        Section 906 of The Sarbanes-Oxley Act of 2002.


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