8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

January 17, 2017

Date of Report (Date of earliest event reported)

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CAPITAL ONE FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

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Delaware	1-13300	54-1719854
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

1680 Capital One Drive, McLean, Virginia	22102
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (703) 720-1000

(Former name or former address, if changed since last report)

(Not applicable)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01 Regulation FD Disclosure.

Capital One Financial Corporation (the “Company”) hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Metrics - As of and for the month ended December 31, 2016.

Note: Information in this report (including the exhibit) furnished pursuant to Item 7.01 shall not be 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. This report will not be deemed an admission as to the materiality of any information in the report that is required to be disclosed solely by Regulation FD. Furthermore, the information provided in Exhibit 99.1 shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit	Description
99.1	Monthly Charge-Off and Delinquency Metrics - As of and for the month ended December 31, 2016

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.

			CAPITAL ONE FINANCIAL CORPORATION
Date:	January 17, 2017	By:	/s/	R. SCOTT BLACKLEY
				R. Scott Blackley
				Chief Financial Officer and Controller

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EXHIBIT INDEX

Exhibit	Description
99.1	Monthly Charge-Off and Delinquency Metrics - As of and for the month ended December 31, 2016

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EX-99.1

Exhibit 99.1

Capital One Financial Corporation

Monthly Charge-Off and Delinquency Metrics

As of and for the month ended  December 31, 2016

	Loans Held for Investment				Net Charge-Offs				30+ Day Performing Delinquencies				Nonperforming Loans
(Dollars in millions)	Average		Period-End		Amount		Rate(1)		Amount		Rate(2)		Amount		Rate(3)
Credit Card:(4)
Domestic	$	95,218	$	97,120	$	388	4.89	%	$	3,839	3.95	%	N/A		N/A
International	8,304		8,432		27		3.97		283		3.36		$	42	0.50	%
Consumer Banking:
Auto	47,665		47,916		84		2.11		2,931		6.12		223		0.47

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⁽¹⁾ Calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. Net charge-offs and the net charge-off rate are impacted periodically by fluctuations in recoveries, including impacts of debt sales.

⁽²⁾ Calculated by dividing 30+ day performing delinquent loans as of the end of the period by period-end loans held for investment for the specified loan category.

⁽³⁾ Calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.

⁽⁴⁾   Period-end loans held for investment and average loans held for investment include accrued finance charges and fees, net of the estimated uncollectible amount. We recognize billed finance charges and fee income on open-ended loans in accordance with the contractual provisions of the credit arrangements and estimate the uncollectible amount on a quarterly basis. The estimated uncollectible amount of billed finance charges and fees is reflected as a reduction in revenue and is not included in our net charge-offs.