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<P align="center"><FONT size="2"><B>As filed with the Securities and Exchange Commission on October 10, 2002</B>
</FONT>

<div align="right"><FONT size="2"><B>Registration No.&nbsp;333-</B>
</FONT>
</div>

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<P align="center"><FONT size="2"><B>SECURITIES AND EXCHANGE COMMISSION<BR>
WASHINGTON, D.C. 20549</B>
</FONT>
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<div align="center"><FONT size="2"><B>FORM S-8</B>
</FONT></div>

<P align="center"><FONT size="2"><B>REGISTRATION STATEMENT<BR>
UNDER<BR>
THE SECURITIES ACT OF 1933</B>
</FONT>

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<div align="center"><FONT size="2"><B>CAPITAL ONE FINANCIAL CORPORATION</B><BR>
(Exact name of registrant as specified in its charter<B>)</B>
</FONT></div>
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<TABLE cellspacing="0" border="0" cellpadding="0" width="85%">
<TR valign="bottom">
        <TD width="50%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="47%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD align="center" valign="top"><FONT size="2"><B>DELAWARE</B><BR>
(State or other jurisdiction of incorporation or organization)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
<B>54-171854</B><BR>
(I.R.S. Employer Identification No.)</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2"><B>2890 Fairview Park Drive, Suite&nbsp;1300<BR>
Falls Church, Virginia 22042</B><BR>
(Address of Principal Executive Offices) (Zip Code)
</FONT>
<P align="center"><FONT size="2"><B>CAPITAL ONE FINANCIAL CORPORATION<BR>
2002 ASSOCIATE STOCK PURCHASE PLAN</B><BR>
(Full Title of the Plan)
</FONT>
<P align="center"><FONT size="2"><B>John G. Finneran, Jr., Esq.<BR>
Executive Vice President, General Counsel and Corporate Secretary<BR>
2980 Fairview Park Drive, Suite&nbsp;1300<BR>
Falls Church, Virginia 22042</B><BR>
(Name and Address of Agent for Service)
</FONT>
<P align="center"><FONT size="2"><B>(703)&nbsp;205-1000</B><BR>
(Telephone Number, Including Area Code, of Agent for Service)
</FONT>
<P>
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<P align="center"><FONT size="2"><B>Copy to:</B>
</FONT>
<P align="center"><FONT size="2">Mary E. Alcock, Esq.<BR>
Cleary, Gottlieb, Steen &#038; Hamilton<BR>
One Liberty Plaza<BR>
New York, New York 10006
</FONT>
<P align="center"><FONT size="2"><B>CALCULATION OF REGISTRATION FEE</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="32%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="16%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
</TR>

<TR><TD colspan=9>
<hr noshade size=1>
</TD></TR>

<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1"><B>Title of Securities</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Amount</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Amount of</B></FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1"><B>to be</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>to be</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Offering Price Per</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Aggregate Offering</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Registration</B></FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1"><B>Registered</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Registered</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Share</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Price</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Fee</B></FONT></TD>
</TR>
<TR><TD colspan=9>
<hr noshade size=1>
</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">Common Stock, par
value $.01,
including attached
Rights(3)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
3,000,000 shares (1)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">$28.61(2)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">$85,830,000(2)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">$7,896.36(2)</FONT></TD>
</TR>

<TR><TD colspan=9>
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</TD></TR>

</TABLE>
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<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="1%" align="left" nowrap><FONT size="2">(1)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">Represents the maximum number of shares of common stock of Capital One
Financial Corporation (the &#147;Common Stock&#148;) that may be offered and sold
under the Capital One Financial Corporation 2002 Associate Stock Purchase
Plan (the &#147;Plan&#148;), together with an indeterminate number of shares that
may be necessary to adjust such number of shares as the result of a stock
split, stock dividend or similar adjustment of the outstanding Common
Stock of Capital One Financial Corporation (the &#147;Registrant&#148;).</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD width="1%" align="left" nowrap><FONT size="2">(2)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">Estimated solely for the purpose of calculating the registration fee in
accordance with Rule&nbsp;457(h) under the Securities Act of 1933 with respect
to shares of Common Stock issuable pursuant to the Plan and based upon the
average of the high and low prices of a share of Common Stock as reported
on the New York Stock Exchange on October 7, 2002.</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD width="1%" align="left" nowrap><FONT size="2">(3)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">The Rights are to purchase the Registrant&#146;s Cumulative Participating
Junior Preferred Stock. Until the occurrence of certain prescribed
events, none of which has occurred as of the date of this Registration
Statement, the Rights are not exercisable, are evidenced by the
certificates representing the Registrant&#146;s Common Stock, and will be
transferred along with, and only with, the Registrant&#146;s Common Stock.</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">&nbsp;</FONT>





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<P align="center"><FONT size="2"><B>Part I</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information specified in Part I of Form&nbsp;S-8 is not required to be
filed with the Securities and Exchange Commission (the &#147;Commission&#148;) either as
part of this Registration Statement or as prospectuses or prospectus
supplements pursuant to Note 1 to Part I of Form&nbsp;S-8 and Rule&nbsp;424 under the
Securities Act of 1933, as amended (the &#147;Securities Act&#148;). The information
required in the Section&nbsp;10(a) prospectus is included in the documents being
maintained and delivered by the Registrant as required by Part I of Form&nbsp;S-8
and by Rule&nbsp;428 under the Securities Act.
</FONT>
<P align="center"><FONT size="2"><B>Part II</B>
</FONT>

<P align="center"><FONT size="2"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</FONT>

<P align="left"><FONT size="2"><B>Item&nbsp;3. Incorporation of Documents by Reference.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents, heretofore filed by the Registrant with the
Commission pursuant to the Securities Exchange Act of 1934, as amended (the
&#147;Exchange Act&#148;), are incorporated herein by reference:
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; The Registrant&#146;s Annual Report on Form&nbsp;10-K, dated March&nbsp;22, 2002 as amended on Form 10K/A filed on August 14, 2002,
relating to the fiscal year ended December&nbsp;31, 2001;
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; The Registrant&#146;s Current Reports on Form&nbsp;8-K, filed with the
Commission on January&nbsp;16, 2002, April&nbsp;16, 2002, April&nbsp;23, 2002, July&nbsp;16, 2002
and August&nbsp;14, 2002;
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp; The Registrant&#146;s Quarterly Reports on Form&nbsp;10-Q, filed with the
Commission on May 15, 2002 and August&nbsp;13, 2002;
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp; The descriptions of the Registrant&#146;s Common Stock which are contained
in the registration statements on Form&nbsp;8-A dated October&nbsp;17, 1994 and November
16, 1995 by the Registrant to register such securities under Section&nbsp;12 of the
Exchange Act, including any amendment or report filed for the purpose of
updating such descriptions; and
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp; The description of the rights to purchase the Registrant&#146;s Cumulative
Participating Junior Preferred Stock contained in the registration statement on
Form&nbsp;8-A dated November&nbsp;16, 1995 by the Registrant to register such securities
under Section&nbsp;12 of the Exchange Act, including any amendment or report filed
for the purpose of updating such description.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by the Registrant pursuant to Sections
13(a), 13(c), 14 and 15(d) of the Exchange Act subsequent to the date of this
Registration Statement and prior to the filing of a post-effective amendment to
this Registration Statement which indicates that all securities offered have
been sold or which deregisters all securities then remaining unsold, shall be
deemed to be incorporated by reference in this Registration Statement and to be
part hereof from the date of filing such documents. Any statement contained in
a document incorporated or deemed to be incorporated by reference herein shall
be deemed to be modified or superseded for purposes of this Registration
Statement to the extent that a statement contained herein or in any</FONT>
<P align="center"><FONT size="2">II-1</FONT>
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<P><FONT size="2">subsequently filed document which also is or is deemed to be incorporated
by reference herein modifies or supersedes such statement. Any such statement
so modified or superseded shall not be deemed, except as so modified or
superseded, to constitute a part of this Registration Statement.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;4. Description of Securities.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;5. Interests of Named Experts and Counsel.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;John G. Finneran, Jr., Esq., Executive Vice President, General Counsel and
Corporate Secretary of the Registrant, who has rendered the opinion attached
hereto as Exhibit&nbsp;5.1, may participate in the Plan and currently holds 27,051
shares of Common Stock, vested options to purchase an additional 131,652 shares
of Common Stock issued under the Registrant&#146;s 1994 Stock Incentive Plan and
unvested options to purchase an additional 523,293 shares of Common Stock
issued under the Registrant&#146;s 1994 Stock Incentive Plan.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;6. Indemnification of Directors and Officers.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under Section&nbsp;145 of the General Corporation Law of the State of Delaware
(the &#147;GCL&#148;), a corporation may indemnify any person who was or is a party, or
is threatened to be made a party, to any action, suit or proceeding, civil or
criminal, by reason of the fact that he or she is or was a director or officer
of such corporation if such person acted in good faith and in a manner he or
she reasonably believed to be in and not opposed to the best interest of the
corporation and, with respect to a criminal action or proceeding, such person
had no reasonable cause to believe that his or her conduct was unlawful, except
that, in the case of any action or suit by or in the right of the corporation,
no indemnification is permitted if the person shall be adjudged liable to the
corporation other than indemnification for such expenses as a court shall
determine such person is fairly and reasonably entitled to.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article&nbsp;XI of the Registrant&#146;s Restated Certificate of Incorporation and
Section&nbsp;6.7 of the Registrant&#146;s Restated Bylaws provide, in general, for mandatory
indemnification of directors and officers to the fullest extent permitted from
time to time by the GCL or any other applicable law, against liability incurred
by them in proceedings instituted or threatened against them by third parties,
or by or on behalf of the Registrant itself, relating to the manner in which
they performed their duties unless they have been guilty of willful misconduct
or of a knowing violation of the criminal law.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under Article&nbsp;X of the Registrant&#146;s Restated Certificate of Incorporation,
a director of the Registrant is not personally liable to the Registrant or its
stockholders for monetary damages for breach of fiduciary duty as a director,
except for liability (i)&nbsp;for any breach of the director&#146;s duty of loyalty to
the Registrant or its stockholders, (ii)&nbsp;for acts or omissions not in good
faith or which involve intentional misconduct or a knowing violation of law,
(iii)&nbsp;under Section&nbsp;174 of the GCL, or (iv)&nbsp;for any transaction from which the
director derived an improper personal benefit.
</FONT>
<P align="center"><FONT size="2">II-2</FONT>
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<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Registrant also maintains a directors&#146; and officers&#146; insurance policy
which insures the officers and directors of the Registrant from any claim
arising out of an alleged wrongful act by such persons in their respective
capacities as officers and directors of the Registrant.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan provides for indemnification of each member of the committee and
the Registrant&#146;s Board of Directors responsible for administering the Plan, as
well as each other director, employee or consultant of the Company to whom any
power or duty relating to the administration or interpretation of the Plan has
been delegated, against any cost or expense (including counsel fees) or
liability arising out of any action, omission or determination relating to the
Plan, to the maximum extent permitted by law.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;7. Exemption From Registration Claimed.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;8. Exhibits.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are filed with or incorporated by reference into
this Registration Statement (numbering corresponds to Exhibit&nbsp;Table in Item&nbsp;601
of Regulation&nbsp;S-K).
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="13%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="82%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><U>Exhibit&nbsp;No</U></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<U>Document</U></FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Capital One Financial Corporation 2002 Associate Stock<BR>
Purchase Plan</FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Restated Certificate of Incorporation of the Registrant</FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.3</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Certificate of Amendment to Restated Certificate of
Incorporation of the Registrant</FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.4</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Restated Bylaws of the Registrant</FONT></TD>
</TR>
<TR>
<TD>
&nbsp;
</TD>
</TR>


<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.5</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Rights Agreement dated as of November&nbsp;16, 1995, between
Capital One Financial Corporation and Equiserve Trust Company, N.A.
as successor to First Chicago Trust Company of New York, as successor to Mellon Bank N.A., as Rights
Agent</FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.6</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Amendment Number 1 to Rights Agreement, dated as of April&nbsp;29,
1999, between Capital One Financial Corporation and Equiserve Trust
Company, N.A., as successor to First Chicago Trust Company of New
York, as successor to Mellon Bank N.A., as Rights Agent</FONT></TD>
</TR>
<TR>
<TD>
&nbsp;
</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.7</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Amendment Number 2 to Rights Agreement, dated as of October
18, 2001, between Capital One Financial Corporation and Equiserve
Trust Company, N.A., as successor to First Chicago Trust Company of
New York, as successor to Mellon Bank N.A., as Rights Agent</FONT></TD>
</TR>
<TR>
<TD>
&nbsp;
</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">5.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Opinion of John G. Finneran, Jr., General Counsel of the
Registrant, regarding the validity of the securities being
registered</FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of Ernst &#038; Young LLP, Independent Auditors</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">II-3</FONT>

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<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="8%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="87%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of John G. Finneran, Jr., General Counsel of the
Registrant (included in Exhibit&nbsp;5.1)</FONT></TD>
</TR>

<TR>
<TD>
&nbsp;
</TD>
</TR>


<TR valign="bottom">
        <TD valign="top"><FONT size="2">24.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Power of Attorney (included on signature page)</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2"><B>Item&nbsp;9. Undertakings.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; The undersigned Registrant hereby undertakes:
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp; To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:
</FONT>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
        <TD width="10%"></TD>
        <TD width="90%"></TD>
</TR>
<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;To include any prospectus required by Section&nbsp;10(a)(3) of the
Securities Act.</FONT></TD>
</TR>

</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
        <TD width="10%"></TD>
        <TD width="90%"></TD>
</TR>
<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;To reflect in the prospectus any facts or events arising after
the effective date of the Registration Statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set forth in
the Registration Statement. Notwithstanding the foregoing, any increase
or decrease in volume of securities offered (if the total dollar value of
securities offered would not exceed that which was registered) and any
deviation from the low or high end of the estimated maximum offering
range may be reflected in the form of the prospectus filed with the
Commission pursuant to Rule&nbsp;424(b) if, in the aggregate, the changes in
volume and price represent no more than a 20&nbsp;percent change in the
maximum aggregate offering price set forth in the &#147;Calculation of
Registration Fee&#148; table in the effective registration statement.</FONT></TD>
</TR>

</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
        <TD width="10%"></TD>
        <TD width="90%"></TD>
</TR>
<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;To include any material information with respect to the plan
of distribution not previously disclosed in this Registration Statement
or any material change to such information in this Registration
Statement; provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do
not apply if the information required to be included in a post-effective
amendment by those paragraphs is contained in periodic reports filed with
or furnished to the Commission by the Registrant pursuant to Section&nbsp;13
or 15(d) of the Exchange Act that are incorporated by reference in the
Registration Statement.</FONT></TD>
</TR>

</TABLE>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp; That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial <I>bona
fide </I>offering thereof.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp; To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the termination
of the offering.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act, each filing of the
Registrant&#146;s annual report pursuant to Section&nbsp;13(a) or 15(d) of the Exchange
Act that is incorporated by reference in this Registration Statement shall be
deemed to be a new registration statement relating to the securities offered
</FONT>
<P align="center"><FONT size="2">II-4</FONT>
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P><FONT size="2">therein, and the offering of such securities at that time shall be deemed
to be the initial <I>bona fide </I>offering thereof.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp; Insofar as indemnification for liabilities arising under the
Securities Act may be permitted to directors, officers and controlling persons
of the Registrant pursuant to the foregoing provisions, or otherwise, the
Registrant has been advised that in the opinion of the Commission such
indemnification is against public policy as expressed in the Securities Act and
is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Registrant of expenses
incurred or paid by a director, officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted by
such director, officer or controlling person in connection with the securities
being registered, the Registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Securities Act and will be governed
by the final adjudication of such issue.
</FONT>
<P align="center"><FONT size="2">II-5</FONT>
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P align="center"><FONT size="2">SIGNATURES
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act, the Registrant
certifies that it has reasonable grounds to believe that it meets all the
requirements for filing on Form&nbsp;S-8, and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the County of Fairfax, Commonwealth of Virginia, on October&nbsp;10,
2002.
</FONT>

<P>
<TABLE cellspacing="0" border="0" cellpadding="0" width="38%" align=right>
<TR valign="bottom">
        <TD width="100%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">CAPITAL ONE FINANCIAL CORPORATION</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">By: /s/ John G. Finneran, Jr.<hr noshade size=1 width=90% align=right></FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
John G. Finneran, Jr.<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate Secretary</FONT></TD>
</TR>
</TABLE>
<br clear=all>&nbsp;
<P align="center"><FONT size="2"><B>POWER OF ATTORNEY</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints David M. Willey, John G. Finneran, Jr.
and Frank R. Borchert, III, and each of them, his true and lawful
attorneys-in-fact and agents, with full power of substitution and
resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any and all future amendments to this Registration
Statement and to file the same, with all exhibits thereto, and other documents
in connection therewith, with the Commission, state securities law
administrators, other governmental authorities, the National Association of
Securities Dealers, Inc., and stock exchanges, granting unto said
attorneys-in-fact and agents, and each of them, full power and authority to do
and perform each and every act and thing requisite and necessary to be done in
and about the premises, as fully and to all intents and purposes as he might or
could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents, or any of them, or their or his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.
</FONT>
<P align="center"><FONT size="2">II-6</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act, this Registration
Statement has been signed by the following persons in the capacities on
October&nbsp;10, 2002.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="34%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="61%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD align=center valign="top"><FONT size="2"><U>Signature</U></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
<U>Title</U></FONT></TD>
</TR>


<TR><TD>&nbsp;
</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ Richard D. Fairbank<hr noshade size=1>
Name: Richard D. Fairbank</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Chairman of the Board, Chief Executive Officer,
and <BR>Director<BR>
(Principal Executive Officer)</FONT></TD>
</TR>


<TR><TD>&nbsp;
</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ Nigel W. Morris<hr noshade size=1>Name: Nigel W. Morris</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
President and Chief Operating Officer and Director
</FONT></TD>
</TR>
<TR><TD>&nbsp;
</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ David M. Willey<hr noshade size=1>Name: David M. Willey</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Executive Vice President and Chief Financial Officer <BR>(Principal Financial Officer and
Principal Accounting Officer)</FONT></TD>
</TR>

<TR><TD>&nbsp;
</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ William R. Dietz<hr noshade size=1>Name: William R. Dietz</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>

<TR><TD>&nbsp;
</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ James A. Flick, Jr.<hr noshade size=1>Name: James A. Flick, Jr.</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR><TD>&nbsp;
</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ Patrick W. Gross<hr noshade size=1>Name: Patrick W. Gross</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR><TD>&nbsp;
</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ James V. Kimsey<hr noshade size=1>
Name: James V. Kimsey</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
<TR><TD>&nbsp;
</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ Stanley I. Westreich<hr noshade size=1>Name: Stanley I. Westreich</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="center" valign="top"><FONT size="2">
Director</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">II-7</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P align="center"><FONT size="2"><B>EXHIBIT INDEX</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="8%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="60%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="22%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1"><B>Exhibit Number</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Description</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Method of Filing</B></FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Capital One Financial Corporation 2002 Associate<BR>
Stock Purchase Plan
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed herewith</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Restated Certificate of Incorporation
of the Registrant
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed as Exhibit
3.1 to the
Registrant&#146;s Annual
Report on Form&nbsp;10-K
for the year ending
December&nbsp;31, 1994
(File No.&nbsp;1-13300)
and incorporated
herein by reference</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.3</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Certificate of Amendment to Restated Certificate
of Incorporation of the Registrant
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed as Exhibit
3.1.2 to the
Registrant&#146;s Report
on Form&nbsp;8-K, filed
January&nbsp;16, 2001
(File No.&nbsp;1-13300) and incorporated herein by reference</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.4</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Restated Bylaws of the Registrant
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed as Exhibit
3.2 to the
Registrant&#146;s Annual
Report on Form
10-K, as amended,
for the year ending
December&nbsp;31, 1999
(File No.1-13300)
and incorporated
herein by reference</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR><TR valign="bottom">
        <TD valign="top"><FONT size="2">4.5</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Rights Agreement, dated as of November&nbsp;16, 1995,
between Capital One Financial Corporation and
Equiserve Trust Company, N.A., as successor to
First Chicago Trust Company of New York, as successor to Mellon Bank N.A., as Rights
Agent
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed as Exhibit
4.1 to the
Registrant&#146;s Report
on Form&nbsp;8-K, filed
November&nbsp;16, 1995
and incorporated
herein by reference</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR><TR valign="bottom">
        <TD valign="top"><FONT size="2">4.6</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Amendment Number 1 to Rights Agreement, dated as
of April&nbsp;29, 1999, between Capital One Financial
Corporation and Equiserve Trust Company, N.A., as
successor to First Chicago Trust Company of New
York, as successor to Mellon Bank N.A., as Rights Agent
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed as Exhibit
4.2.2 to the
Registrant&#146;s Report
on Form&nbsp;8-K, filed
May&nbsp;5, 1999 and
incorporated herein
by reference</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR><TR valign="bottom">
        <TD valign="top"><FONT size="2">4.7</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Amendment Number 2 to Rights Agreement, dated as
of October&nbsp;18, 2001, between Capital One Financial
Corporation and Equiserve Trust Company, N.A., as
successor to First Chicago Trust Company of New
York, as successor to Mellon Bank N.A., as Rights Agent
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed as Exhibit
99.1 to the
Registrant&#146;s Report
on Form&nbsp;8-K, filed
November&nbsp;2, 2001
and incorporated
herein by reference</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">II-8</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="8%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="60%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="22%">&nbsp;</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">5.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Opinion of John G. Finneran, Jr., General Counsel
of the Registrant, regarding the validity of the
securities being registered
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed herewith</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of Ernst &#038; Young LLP, Independent Auditors
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filed herewith</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of John G. Finneran, Jr., General Counsel
of the Registrant
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Included in Exhibit 5.1</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">24.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Power of Attorney
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Included on signature page</FONT></TD>
</TR>
</TABLE>
</CENTER>

<P align="center"><FONT size="2">II-9</FONT>




</BODY>
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sv8
As filed with the Securities and Exchange Commission on October 10, 2002
Registration No. 333-
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
CAPITAL ONE FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter
)
DELAWARE
(State or other jurisdiction of incorporation or organization)
54-171854
(I.R.S. Employer Identification No.)
2890 Fairview Park Drive, Suite 1300
Falls Church, Virginia 22042
(Address of Principal Executive Offices) (Zip Code)
CAPITAL ONE FINANCIAL CORPORATION
2002 ASSOCIATE STOCK PURCHASE PLAN
(Full Title of the Plan)
John G. Finneran, Jr., Esq.
Executive Vice President, General Counsel and Corporate Secretary
2980 Fairview Park Drive, Suite 1300
Falls Church, Virginia 22042
(Name and Address of Agent for Service)
(703) 205-1000
(Telephone Number, Including Area Code, of Agent for Service)
Copy to:
Mary E. Alcock, Esq.
Cleary, Gottlieb, Steen & Hamilton
One Liberty Plaza
New York, New York 10006
CALCULATION OF REGISTRATION FEE
Title of Securities
Amount
Proposed Maximum
Proposed Maximum
Amount of
to be
to be
Offering Price Per
Aggregate Offering
Registration
Registered
Registered
Share
Price
Fee
Common Stock, par
value $.01,
including attached
Rights(3)
3,000,000 shares (1)
$28.61(2)
$85,830,000(2)
$7,896.36(2)
(1)
Represents the maximum number of shares of common stock of Capital One
Financial Corporation (the "Common Stock") that may be offered and sold
under the Capital One Financial Corporation 2002 Associate Stock Purchase
Plan (the "Plan"), together with an indeterminate number of shares that
may be necessary to adjust such number of shares as the result of a stock
split, stock dividend or similar adjustment of the outstanding Common
Stock of Capital One Financial Corporation (the "Registrant").
(2)
Estimated solely for the purpose of calculating the registration fee in
accordance with Rule 457(h) under the Securities Act of 1933 with respect
to shares of Common Stock issuable pursuant to the Plan and based upon the
average of the high and low prices of a share of Common Stock as reported
on the New York Stock Exchange on October 7, 2002.
(3)
The Rights are to purchase the Registrant's Cumulative Participating
Junior Preferred Stock. Until the occurrence of certain prescribed
events, none of which has occurred as of the date of this Registration
Statement, the Rights are not exercisable, are evidenced by the
certificates representing the Registrant's Common Stock, and will be
transferred along with, and only with, the Registrant's Common Stock.
Part I
The information specified in Part I of Form S-8 is not required to be
filed with the Securities and Exchange Commission (the "Commission") either as
part of this Registration Statement or as prospectuses or prospectus
supplements pursuant to Note 1 to Part I of Form S-8 and Rule 424 under the
Securities Act of 1933, as amended (the "Securities Act"). The information
required in the Section 10(a) prospectus is included in the documents being
maintained and delivered by the Registrant as required by Part I of Form S-8
and by Rule 428 under the Securities Act.
Part II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3. Incorporation of Documents by Reference.
The following documents, heretofore filed by the Registrant with the
Commission pursuant to the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), are incorporated herein by reference:
(a)  The Registrant's Annual Report on Form 10-K, dated March 22, 2002 as amended on Form 10K/A filed on August 14, 2002,
relating to the fiscal year ended December 31, 2001;
(b)  The Registrant's Current Reports on Form 8-K, filed with the
Commission on January 16, 2002, April 16, 2002, April 23, 2002, July 16, 2002
and August 14, 2002;
(c)  The Registrant's Quarterly Reports on Form 10-Q, filed with the
Commission on May 15, 2002 and August 13, 2002;
(d)  The descriptions of the Registrant's Common Stock which are contained
in the registration statements on Form 8-A dated October 17, 1994 and November
16, 1995 by the Registrant to register such securities under Section 12 of the
Exchange Act, including any amendment or report filed for the purpose of
updating such descriptions; and
(e)  The description of the rights to purchase the Registrant's Cumulative
Participating Junior Preferred Stock contained in the registration statement on
Form 8-A dated November 16, 1995 by the Registrant to register such securities
under Section 12 of the Exchange Act, including any amendment or report filed
for the purpose of updating such description.
All documents subsequently filed by the Registrant pursuant to Sections
13(a), 13(c), 14 and 15(d) of the Exchange Act subsequent to the date of this
Registration Statement and prior to the filing of a post-effective amendment to
this Registration Statement which indicates that all securities offered have
been sold or which deregisters all securities then remaining unsold, shall be
deemed to be incorporated by reference in this Registration Statement and to be
part hereof from the date of filing such documents. Any statement contained in
a document incorporated or deemed to be incorporated by reference herein shall
be deemed to be modified or superseded for purposes of this Registration
Statement to the extent that a statement contained herein or in any
II-1
subsequently filed document which also is or is deemed to be incorporated
by reference herein modifies or supersedes such statement. Any such statement
so modified or superseded shall not be deemed, except as so modified or
superseded, to constitute a part of this Registration Statement.
Item 4. Description of Securities.
Not applicable.
Item 5. Interests of Named Experts and Counsel.
John G. Finneran, Jr., Esq., Executive Vice President, General Counsel and
Corporate Secretary of the Registrant, who has rendered the opinion attached
hereto as Exhibit 5.1, may participate in the Plan and currently holds 27,051
shares of Common Stock, vested options to purchase an additional 131,652 shares
of Common Stock issued under the Registrant's 1994 Stock Incentive Plan and
unvested options to purchase an additional 523,293 shares of Common Stock
issued under the Registrant's 1994 Stock Incentive Plan.
Item 6. Indemnification of Directors and Officers.
Under Section 145 of the General Corporation Law of the State of Delaware
(the "GCL"), a corporation may indemnify any person who was or is a party, or
is threatened to be made a party, to any action, suit or proceeding, civil or
criminal, by reason of the fact that he or she is or was a director or officer
of such corporation if such person acted in good faith and in a manner he or
she reasonably believed to be in and not opposed to the best interest of the
corporation and, with respect to a criminal action or proceeding, such person
had no reasonable cause to believe that his or her conduct was unlawful, except
that, in the case of any action or suit by or in the right of the corporation,
no indemnification is permitted if the person shall be adjudged liable to the
corporation other than indemnification for such expenses as a court shall
determine such person is fairly and reasonably entitled to.
Article XI of the Registrant's Restated Certificate of Incorporation and
Section 6.7 of the Registrant's Restated Bylaws provide, in general, for mandatory
indemnification of directors and officers to the fullest extent permitted from
time to time by the GCL or any other applicable law, against liability incurred
by them in proceedings instituted or threatened against them by third parties,
or by or on behalf of the Registrant itself, relating to the manner in which
they performed their duties unless they have been guilty of willful misconduct
or of a knowing violation of the criminal law.
Under Article X of the Registrant's Restated Certificate of Incorporation,
a director of the Registrant is not personally liable to the Registrant or its
stockholders for monetary damages for breach of fiduciary duty as a director,
except for liability (i) for any breach of the director's duty of loyalty to
the Registrant or its stockholders, (ii) for acts or omissions not in good
faith or which involve intentional misconduct or a knowing violation of law,
(iii) under Section 174 of the GCL, or (iv) for any transaction from which the
director derived an improper personal benefit.
II-2
The Registrant also maintains a directors' and officers' insurance policy
which insures the officers and directors of the Registrant from any claim
arising out of an alleged wrongful act by such persons in their respective
capacities as officers and directors of the Registrant.
The Plan provides for indemnification of each member of the committee and
the Registrant's Board of Directors responsible for administering the Plan, as
well as each other director, employee or consultant of the Company to whom any
power or duty relating to the administration or interpretation of the Plan has
been delegated, against any cost or expense (including counsel fees) or
liability arising out of any action, omission or determination relating to the
Plan, to the maximum extent permitted by law.
Item 7. Exemption From Registration Claimed.
Not applicable.
Item 8. Exhibits.
The following exhibits are filed with or incorporated by reference into
this Registration Statement (numbering corresponds to Exhibit Table in Item 601
of Regulation S-K).
Exhibit No
Document
4.1
Capital One Financial Corporation 2002 Associate Stock
Purchase Plan
4.2
Restated Certificate of Incorporation of the Registrant
4.3
Certificate of Amendment to Restated Certificate of
Incorporation of the Registrant
4.4
Restated Bylaws of the Registrant
4.5
Rights Agreement dated as of November 16, 1995, between
Capital One Financial Corporation and Equiserve Trust Company, N.A.
as successor to First Chicago Trust Company of New York, as successor to Mellon Bank N.A., as Rights
Agent
4.6
Amendment Number 1 to Rights Agreement, dated as of April 29,
1999, between Capital One Financial Corporation and Equiserve Trust
Company, N.A., as successor to First Chicago Trust Company of New
York, as successor to Mellon Bank N.A., as Rights Agent
4.7
Amendment Number 2 to Rights Agreement, dated as of October
18, 2001, between Capital One Financial Corporation and Equiserve
Trust Company, N.A., as successor to First Chicago Trust Company of
New York, as successor to Mellon Bank N.A., as Rights Agent
5.1
Opinion of John G. Finneran, Jr., General Counsel of the
Registrant, regarding the validity of the securities being
registered
23.1
Consent of Ernst & Young LLP, Independent Auditors
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23.2
Consent of John G. Finneran, Jr., General Counsel of the
Registrant (included in Exhibit 5.1)
24.1
Power of Attorney (included on signature page)
Item 9. Undertakings.
(a)  The undersigned Registrant hereby undertakes:
(1)  To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:
(i) To include any prospectus required by Section 10(a)(3) of the
Securities Act.
(ii) To reflect in the prospectus any facts or events arising after
the effective date of the Registration Statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set forth in
the Registration Statement. Notwithstanding the foregoing, any increase
or decrease in volume of securities offered (if the total dollar value of
securities offered would not exceed that which was registered) and any
deviation from the low or high end of the estimated maximum offering
range may be reflected in the form of the prospectus filed with the
Commission pursuant to Rule 424(b) if, in the aggregate, the changes in
volume and price represent no more than a 20 percent change in the
maximum aggregate offering price set forth in the "Calculation of
Registration Fee" table in the effective registration statement.
(iii) To include any material information with respect to the plan
of distribution not previously disclosed in this Registration Statement
or any material change to such information in this Registration
Statement; provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do
not apply if the information required to be included in a post-effective
amendment by those paragraphs is contained in periodic reports filed with
or furnished to the Commission by the Registrant pursuant to Section 13
or 15(d) of the Exchange Act that are incorporated by reference in the
Registration Statement.
(2)  That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial
bona
fide
offering thereof.
(3)  To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the termination
of the offering.
(b)  The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act, each filing of the
Registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange
Act that is incorporated by reference in this Registration Statement shall be
deemed to be a new registration statement relating to the securities offered
II-4
therein, and the offering of such securities at that time shall be deemed
to be the initial
bona fide
offering thereof.
(c)  Insofar as indemnification for liabilities arising under the
Securities Act may be permitted to directors, officers and controlling persons
of the Registrant pursuant to the foregoing provisions, or otherwise, the
Registrant has been advised that in the opinion of the Commission such
indemnification is against public policy as expressed in the Securities Act and
is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Registrant of expenses
incurred or paid by a director, officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted by
such director, officer or controlling person in connection with the securities
being registered, the Registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Securities Act and will be governed
by the final adjudication of such issue.
II-5
SIGNATURES
Pursuant to the requirements of the Securities Act, the Registrant
certifies that it has reasonable grounds to believe that it meets all the
requirements for filing on Form S-8, and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the County of Fairfax, Commonwealth of Virginia, on October 10,
2002.
CAPITAL ONE FINANCIAL CORPORATION
By: /s/ John G. Finneran, Jr.
John G. Finneran, Jr.
Corporate Secretary
POWER OF ATTORNEY
KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints David M. Willey, John G. Finneran, Jr.
and Frank R. Borchert, III, and each of them, his true and lawful
attorneys-in-fact and agents, with full power of substitution and
resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any and all future amendments to this Registration
Statement and to file the same, with all exhibits thereto, and other documents
in connection therewith, with the Commission, state securities law
administrators, other governmental authorities, the National Association of
Securities Dealers, Inc., and stock exchanges, granting unto said
attorneys-in-fact and agents, and each of them, full power and authority to do
and perform each and every act and thing requisite and necessary to be done in
and about the premises, as fully and to all intents and purposes as he might or
could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents, or any of them, or their or his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.
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Pursuant to the requirements of the Securities Act, this Registration
Statement has been signed by the following persons in the capacities on
October 10, 2002.
Signature
Title
/s/ Richard D. Fairbank
Name: Richard D. Fairbank
Chairman of the Board, Chief Executive Officer,
and
Director
(Principal Executive Officer)
/s/ Nigel W. Morris
Name: Nigel W. Morris
President and Chief Operating Officer and Director
/s/ David M. Willey
Name: David M. Willey
Executive Vice President and Chief Financial Officer
(Principal Financial Officer and
Principal Accounting Officer)
/s/ William R. Dietz
Name: William R. Dietz
Director
/s/ James A. Flick, Jr.
Name: James A. Flick, Jr.
Director
/s/ Patrick W. Gross
Name: Patrick W. Gross
Director
/s/ James V. Kimsey
Name: James V. Kimsey
Director
/s/ Stanley I. Westreich
Name: Stanley I. Westreich
Director
II-7
EXHIBIT INDEX
Exhibit Number
Description
Method of Filing
4.1
Capital One Financial Corporation 2002 Associate
Stock Purchase Plan
Filed herewith
4.2
Restated Certificate of Incorporation
of the Registrant
Filed as Exhibit
3.1 to the
Registrant's Annual
Report on Form 10-K
for the year ending
December 31, 1994
(File No. 1-13300)
and incorporated
herein by reference
4.3
Certificate of Amendment to Restated Certificate
of Incorporation of the Registrant
Filed as Exhibit
3.1.2 to the
Registrant's Report
on Form 8-K, filed
January 16, 2001
(File No. 1-13300) and incorporated herein by reference
4.4
Restated Bylaws of the Registrant
Filed as Exhibit
3.2 to the
Registrant's Annual
Report on Form
10-K, as amended,
for the year ending
December 31, 1999
(File No.1-13300)
and incorporated
herein by reference
4.5
Rights Agreement, dated as of November 16, 1995,
between Capital One Financial Corporation and
Equiserve Trust Company, N.A., as successor to
First Chicago Trust Company of New York, as successor to Mellon Bank N.A., as Rights
Agent
Filed as Exhibit
4.1 to the
Registrant's Report
on Form 8-K, filed
November 16, 1995
and incorporated
herein by reference
4.6
Amendment Number 1 to Rights Agreement, dated as
of April 29, 1999, between Capital One Financial
Corporation and Equiserve Trust Company, N.A., as
successor to First Chicago Trust Company of New
York, as successor to Mellon Bank N.A., as Rights Agent
Filed as Exhibit
4.2.2 to the
Registrant's Report
on Form 8-K, filed
May 5, 1999 and
incorporated herein
by reference
4.7
Amendment Number 2 to Rights Agreement, dated as
of October 18, 2001, between Capital One Financial
Corporation and Equiserve Trust Company, N.A., as
successor to First Chicago Trust Company of New
York, as successor to Mellon Bank N.A., as Rights Agent
Filed as Exhibit
99.1 to the
Registrant's Report
on Form 8-K, filed
November 2, 2001
and incorporated
herein by reference
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5.1
Opinion of John G. Finneran, Jr., General Counsel
of the Registrant, regarding the validity of the
securities being registered
Filed herewith
23.1
Consent of Ernst & Young LLP, Independent Auditors
Filed herewith
23.2
Consent of John G. Finneran, Jr., General Counsel
of the Registrant
Included in Exhibit 5.1
24.1
Power of Attorney
Included on signature page
II-9