The company said its preliminary Stress Capital Buffer Requirement (SCB), as calculated by the Federal Reserve in the 2025 CCAR process, is 4.5%, effective on October 1, 2025. It said the SCB applies from July 1, 2025.

8-KOther EventsFiled Jul 1, 2025Period of report Jul 1, 2025Summary published (UTC) Oct 14, 2026

Key points

AI summary

The company said its preliminary Stress Capital Buffer Requirement (SCB), as calculated by the Federal Reserve in the 2025 CCAR process, is 4.5%, effective on October 1, 2025. It said the SCB applies from July 1, 2025.
Capital One said its previously disclosed SCB of 5.5%, calculated in the 2024 CCAR process, will remain in effect through September 30, 2025.
The company said the Federal Reserve issued a notice of proposed rulemaking in April 2025 to change how the SCB is calculated. It said the proposal would average stress test results over 2 consecutive years.
Capital One said the proposal has not yet been finalized. It said its preliminary SCB was calculated under the current framework and does not reflect the proposed averaging.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Preliminary Stress Capital Buffer Requirement 4.5%

The company said its preliminary Stress Capital Buffer Requirement (SCB), as calculated by the Federal Reserve in the 2025 CCAR process, is 4.5%, effective on October 1, 2025. It said the SCB applies from July 1, 2025.

Source · Based on the filing body and exhibits

Application Period for Existing SCB of 5.5%

Capital One said its previously disclosed SCB of 5.5%, calculated in the 2024 CCAR process, will remain in effect through September 30, 2025.

Source · Based on the filing body and exhibits

Proposed Amendment to SCB Calculation in April 2025

The company said the Federal Reserve issued a notice of proposed rulemaking in April 2025 to change how the SCB is calculated. It said the proposal would average stress test results over 2 consecutive years.

Source · Based on the filing body and exhibits

Preliminary SCB Calculated Under Current Framework

Capital One said the proposal has not yet been finalized. It said its preliminary SCB was calculated under the current framework and does not reflect the proposed averaging.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

View the original filing on SEC EDGAR ↗

Unauthorized scraping, data storage and database creation prohibited

Without prior written consent, you must not crawl or scrape data compiled and organized by Chickstock or its analysis and summaries, or collect them repeatedly or in bulk for storage, ingestion or database creation. Repurposing, redistribution, sale and use to build other services are also prohibited.

Unauthorized use may result in access restrictions, demands to stop infringement and delete copies, and claims for damages. Violations of applicable law may also give rise to criminal liability.

Uses permitted by law, the Terms of Service or a separate agreement remain subject to their respective scope. Rights in individual source materials, including original filings, remain with their respective rights holders.