<SEC-DOCUMENT>0000000000-23-014108.txt : 20240301
<SEC-HEADER>0000000000-23-014108.hdr.sgml : 20240301
<ACCEPTANCE-DATETIME>20231227103605
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-23-014108
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20231227

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAPITAL ONE FINANCIAL CORP
		CENTRAL INDEX KEY:			0000927628
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				541719854
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD
		SEC FILE NUMBER:	001-13300

	BUSINESS ADDRESS:	
		STREET 1:		1680 CAPITAL ONE DRIVE
		STREET 2:		SUITE 1400
		CITY:			MCLEAN
		STATE:			VA
		ZIP:			22102
		BUSINESS PHONE:		7037201000

	MAIL ADDRESS:	
		STREET 1:		1680 CAPITAL ONE DRIVE
		STREET 2:		SUITE 1400
		CITY:			MCLEAN
		STATE:			VA
		ZIP:			22102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OAKSTONE FINANCIAL CORP
		DATE OF NAME CHANGE:	19940728
PUBLIC REFERENCE ACCESSION NUMBER:		0000927628-23-000117
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<FILENAME>filename2.txt
<TEXT>
United States securities and exchange commission logo





                               December 27, 2023

       Andrew M. Young
       Chief Financial Officer
       Capital One Financial Corporation
       1680 Capital One Drive
       McLean, VA 22102

                                                        Re: Capital One
Financial Corporation
                                                            Form 10-K for
Fiscal Year Ended December 31, 2022
                                                            Form 10-Q for
Quarterly Period Ended September 30, 2023
                                                            File No. 001-13300

       Dear Andrew M. Young:

              We have limited our review of your filing to the financial
statements and related
       disclosures and have the following comments.

              Please respond to this letter within ten business days by
providing the requested
       information or advise us as soon as possible when you will respond. If
you do not believe a
       comment applies to your facts and circumstances, please tell us why in
your response.

                                                        After reviewing your
response to this letter, we may have additional comments.

       Form 10-K for Fiscal Year Ended December 31, 2022

       Management   s Discussion and Analysis of Financial Condition and
Results of Operations
       (   MD&A   )
       Table 6: Funding Sources Composition, page 55

   1.                                                   We note your disclosure
that period-end deposits increased by $14.2 billion at $270.6
                                                        billion as of December
31, 2022 from December 31, 2021 primarily driven by your
                                                        national banking
strategy and issuances of brokered deposits. Please revise your
                                                        disclosures, in future
filings, to provide more details around the national banking strategy,
                                                        including any formal
practices, guidelines, etc. which would allow an investor to
                                                        understand the strategy
and any related risks/trends. In addition, include discussion of any
                                                        related impacts the
brokered deposits have on your funding costs, net interest margin and
                                                        to the extent
applicable, whether you have policies or internal limits regarding
                                                        concentrations in
brokered deposits and / or uninsured deposits, in total or by type of
                                                        depositor, and whether
you have complied with any such internal requirements for the
                                                        periods presented.
 Andrew M. Young
FirstName
Capital OneLastNameAndrew   M. Young
            Financial Corporation
Comapany27,
December   NameCapital
              2023      One Financial Corporation
December
Page 2    27, 2023 Page 2
FirstName LastName
Liquidity Risk Profile, page 92

2.       Please disclose a table summarizing your total available sources of
liquidity, by type of
         borrowing capacity, showing total borrowing capacity less borrowings
outstanding to
         arrive at remaining capacity, then adding in other sources of
liquidity such as cash,
         securities, etc. to arrive at total available liquidity, or tell us
where this information is
         disclosed in the aggregate.
Interest Rate Risk, page 97

3.       We note your disclosures discussing various key assumptions associated
with your net
         interest income sensitivity and economic value of equity sensitivity.
The assumptions for
         your net interest income sensitivity include loan and deposit growth
and pricing, and plans
         for projected changes in funding mix in your baseline forecast. Key
assumptions used in
         the calculation of your economic value of equity sensitivity measure
include projecting
         rate sensitive prepayments for mortgage securities, loans and other
assets, term structure
         modeling of interest rates, discount spreads, and deposit volume and
pricing
         assumptions. Please revise your disclosures, in future filings, to
fully describe and define
         the various identified inputs and assumptions supporting your market
risk presentations
         and sensitivity disclosures. In addition, provide a discussion of how
any assumptions have
         changed from period to period, including any changes to the data
source used or
         significant changes in the actual assumption itself.
Form 10-Q for the Quarterly Period Ended September 30, 2023

Market Risk Profile, page 52

4.       We note your disclosure and references to deposit beta as part of your
net interest income
         and economic value of equity sensitivity analyses, which indicates
that it increased
         compared to December 31, 2022. Please expand your disclosures, in
future filings, to
         quantify and discuss changes in your deposit beta and/or cumulative
deposit beta between
         periods presented, to the extent that it is monitored and used by
management, as well as a
         more fulsome discussion of how the metric is calculated. In this
regard, we noted
         commentary during your third quarter of 2023 earnings call discussing
your cumulative
         beta.
       In closing, we remind you that the company and its management are
responsible for the
accuracy and adequacy of their disclosures, notwithstanding any review,
comments, action or
absence of action by the staff.

       Please contact Michael Henderson at 202-551-3364 or Robert Klein at
202-551-3847
with any questions.
 Andrew M. Young
Capital One Financial Corporation
December 27, 2023
Page 3

FirstName LastNameAndrew M. Young                Sincerely,
Comapany NameCapital One Financial Corporation
                                                 Division of Corporation
Finance
December 27, 2023 Page 3                         Office of Finance
FirstName LastName
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