<SEC-DOCUMENT>0000000000-24-008006.txt : 20250219
<SEC-HEADER>0000000000-24-008006.hdr.sgml : 20250219
<ACCEPTANCE-DATETIME>20240715153607
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-24-008006
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240715

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:	333-278812

	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:		0001193125-24-101304
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<DOCUMENT>
<TYPE>TEXT-EXTRACT
<SEQUENCE>2
<FILENAME>filename2.txt
<TEXT>
                                                           July 15, 2024

Richard D. Fairbank
Chief Executive Officer
Capital One Financial Corporation
1680 Capital One Drive
McLean, Virginia 22102

       Re: Capital One Financial Corporation
           Amendment No. 1 to Registration Statement on Form S-4
           Filed June 14, 2024
           File No. 333-278812
Dear Richard D. Fairbank:

     We have conducted a limited review of your registration statement and have
the following
comments.

       Please respond to this letter by amending your registration statement
and providing the
requested information. If you do not believe a comment applies to your facts
and circumstances
or do not believe an amendment is appropriate, please tell us why in your
response.

       After reviewing any amendment to your registration statement and the
information you
provide in response to this letter, we may have additional comments.

Amendment No. 1 to Registration Statement on Form S-4
Summary, page 15

1.     We note your responses to comments five and six. We continue to evaluate
the responses
       and may have further comments.

Risk Factors
Changes in the laws and regulations governing interchange fees, page 33

2.     We note your response to prior comment 10 and revised disclosure on page
33 indicating
       that debit card transactions on the Discover Global Network are not
subject to the
       Regulation II limitation on interchange fees. You also state that the
anticipated revenue
       synergies associated with the mergers    assume that transactions
involving a three-party
       system will continue to not be subject to the limitations on the debit
interchange fees.
       Please revise to clarify the reasonably likely financial impact to the
combined
 July 15, 2024
Page 2

       company revenue synergies if the Discover Global Network   s exemption
from the
       interchange fees is eliminated.

Integrating Discover's business into Capital One may be more difficult, page 34

3.     We note your response to prior comment 11 and revised disclosure on page
34 stating that
       Capital One intends to issue cards    on the Visa and Mastercard
networks, which depends
       on the continued agreement of Visa and Mastercard.    Please revise to
clarify the extent
       that either Visa or Mastercard would have the ability to reduce the
combined company's
       ability to issue cards or access their networks, particularly during the
transition. Make
       appropriate revisions to this risk factor to the extent that either
payment system could
       materially curtail your ability to continue with your credit and debit
card business while
       you transition to more extensive use of the Discover network.


        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.

       Refer to Rules 460 and 461 regarding requests for acceleration. Please
allow adequate
time for us to review any amendment prior to the requested effective date of
the registration
statement.

       Please contact Michael Henderson at 202-551-3364 or Marc Thomas at
202-551-3452 if
you have questions regarding comments on the financial statements and related
matters. Please
contact Robert Arzonetti at 202-551-8819 or Christian Windsor at 202-551-3419
with any other
questions.



                                                           Sincerely,

                                                           Division of
Corporation Finance
                                                           Office of Finance
cc:   Brandon C. Price
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
