CAPITAL ONE FINANCIAL CORP
For the period ended Mar 31, 2025. Filed May 7, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2025 · Filed May 7, 2025
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Supervision and Regulation
Regulation of Consumer Lending Activities Update
In March 2024, the Consumer Financial Protection Bureau (“CFPB”) issued a final rule amending Regulation Z that, if it went into effect as issued, would significantly lower the safe harbor amount for past due fees that large credit card issuers, including the Bank, can charge on consumer credit card accounts. In April 2025, the final rule was vacated by the U.S. District Court for the Northern District of Texas.
Capital and Stress Testing Regulation Update
In April 2025, the Federal Reserve issued a notice of proposed rulemaking to amend its capital plan rule and stress capital buffer framework applicable to large banking organizations, including the Company. The proposal would average stress test results over two consecutive years for purposes of determining the stress capital buffer requirement. The proposal would also modify the annual effective date of the stress capital buffer requirement from October 1 to January 1.
We provide additional information on our Supervision and Regulation in our 2024 Form 10-K under “Part I—Item 1. Business—Supervision and Regulation.”
| 60 | Capital One Financial Corporation (COF) |
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