---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-25-000232"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2025-07-01T23:59:59+00:00"
generated_at: "2026-05-18T11:49:02.809016+00:00"
event_type: "regulatory"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capital One SCB falls to 4.5% from 5.5% in 2025 CCAR; effective Oct 1

## Summary
- Preliminary Stress Capital Buffer of 4.5% effective Oct 1, 2025, per Federal Reserve 2025 CCAR.
- Current SCB of 5.5% remains through Sept 30, 2025.
- April 2025 Fed proposal to average stress test results over two years not yet finalized; preliminary SCB uses current framework.

## SEC filing metadata
- accession: 0000927628-25-000232
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2025-07-01T23:59:59+00:00
- event_type: regulatory
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/927628/000092762825000232/0000927628-25-000232-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000232/cof-20250701.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000232
- JSON: https://secwatch.observer/filing/0000927628-25-000232.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000232.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.