<SEC-DOCUMENT>0001209191-13-005229.txt : 20130130
<SEC-HEADER>0001209191-13-005229.hdr.sgml : 20130130
<ACCEPTANCE-DATETIME>20130130172620
ACCESSION NUMBER:		0001209191-13-005229
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20121219
FILED AS OF DATE:		20130130
DATE AS OF CHANGE:		20130130

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Frauenberg James H II
		CENTRAL INDEX KEY:			0001557351

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		13559989

	MAIL ADDRESS:	
		STREET 1:		2923 SMITH RD
		CITY:			FAIRLAWN
		STATE:			OH
		ZIP:			44333

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0306</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2012-12-19</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001070680</issuerCik>
        <issuerName>CENTRAL FEDERAL CORP</issuerName>
        <issuerTradingSymbol>CFBK</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001557351</rptOwnerCik>
            <rptOwnerName>Frauenberg James H II</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2923 SMITH RD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>FAIRLAWN</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>44333</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>stock option - right to buy</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>1.27</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2012-12-19</value>
                <footnoteId id="F1"/>
            </transactionDate>
            <deemedExecutionDate>
                <value>2012-12-19</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>10000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>1.27</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>2022-12-19</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>common stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>10000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>10000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">The option grant was approved by the Board of Directors of Central Federal Corporation (the &quot;Company&quot;) on December 19, 2012, subject to non-objection of the option grant by the Company's banking regulators. The Company's banking regulators did not object to the option grant prior to the expiration of the 30-day non-objection period.</footnote>
        <footnote id="F2">The options are exercisable as follows;  3,333 on December 19, 2013, 3,333 on December 19, 2014 and 3,334 on December 19, 2015.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Therese A Liutkus for James Howard Frauenberg II</signatureName>
        <signatureDate>2013-01-30</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.4_454798
<SEQUENCE>2
<FILENAME>poa.txt
<DESCRIPTION>POA DOCUMENT
<TEXT>
Exhibit 24
CONFIRMING STATEMENT


This Confirming Statement confirms that the undersigned, James Howard
Frauenberg, II, has authorized and designated Therese A. Liutkus to execute and
file on the undersigned's behalf all Forms 3, 4, and 5 (including any amendments
thereto) that the undersigned may be required to file with the United States
Securities and Exchange Commission as a result of the undersigned's ownership of
or transactions in securities of Central Federal Corporation, a Delaware
corporation (the "Corporation").  The authority of Ms. Liutkus under this
Statement shall continue until the undersigned is no longer required to file
Forms 3, 4, and 5 with regard to her ownership of or transactions in securities
of the Corporation, unless earlier revoked in writing.  The undersigned
acknowledges that Ms. Liutkus is not assuming any of the undersigned's
responsibilities to comply with Section 16 of the Securities Exchange Act of
1934.

Date: August 23, 2012


					/s/ James Howard Frauenberg, II 					James Howard Frauenberg, II

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
