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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="center" style="font-size: 10pt; margin-top: 12pt">As filed with the Securities and Exchange Commission on May&nbsp;26, 2006</DIV>


<DIV align="right" style="font-size: 10pt; margin-top: 0pt">Registration
No.&nbsp;333-<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</DIV>


<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>




<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B><DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM S-8</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>REGISTRATION STATEMENT UNDER<BR>
THE SECURITIES ACT OF 1933<BR>
<DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></B>
</DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B><FONT style="border-bottom: 1px solid #000000">FLAGSTAR BANCORP, INC.</FONT></B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact Name of Registrant as Specified in Its Charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
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    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
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<TR valign="bottom">
    <TD align="center" valign="top"><B>Michigan</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>38-3150651</B></TD>
</TR>
<TR style="font-size: 1px">
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(State or Other Jurisdiction of
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(I.R.S. Employer</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">Incorporation or Organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Identification No.)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>5151 Corporate Drive<BR>
Troy, Michigan 48098</B><BR>
<DIV style="margin-top: 1px"><FONT style="border-top: 1px solid #000000">(Address of Principal Executive Offices)</FONT></DIV></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><FONT style="border-bottom: 1px solid #000000"><B>Flagstar
Bancorp, Inc. 2006 Equity Incentive Plan</B></FONT><BR>
(Full title of the
Plan)</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>Mark
T. Hammond, Vice-Chairman of the Board,<BR>
President and Chief Executive Officer<BR>
Flagstar Bancorp, Inc.<BR>
5151 Corporate Drive<BR>
Troy, Michigan 48098</B><BR>
<DIV style="margin-top: 1px"><FONT style="border-top: 1px solid #000000">(Name and Address of Agent For Service)</FONT></DIV></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>(248)&nbsp;312-2000</B><BR>
<DIV style="margin-top: 1px"><FONT style="border-top: 1px solid #000000">(Telephone Number, Including Area Code, of Agent for Service)</FONT></DIV></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>Copies to:<BR>
Jeremy T. Johnson, Esquire<BR>
Kutak Rock LLP<BR>
1101 Connecticut Avenue, N.W., Suite&nbsp;1000<BR>
Washington, D.C. 20036-4374<BR>
(202)&nbsp;828-2400</B><BR>
<DIV style="margin-top: 1px"><FONT style="border-bottom: 1px solid #000000; width=45%"><B>(202)&nbsp;828-2488
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (fax)</B></FONT></DIV></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">CALCULATION OF REGISTRATION FEE</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
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    <TD nowrap align="left" colspan="15" style="border-bottom: 3px double #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center">Title Of</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Amount</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Proposed Maximum</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Proposed Maximum</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Amount of</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center">Securities</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">To Be</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Offering Price</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Aggregate Offering</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Registration</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center">To Be Registered</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Registered (1)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Per Share (3)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Price (3)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Fee (3)</TD>
    <TD width="1%">&nbsp;</TD>
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                    <TD align="center" style="border-top: 1px solid #000000"><DIV style="margin-left:15px; text-indent:-15px">Common Stock,
$.01 par value</DIV></TD>
    <TD style="border-right: 2px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">2,268,280 (2)</TD>
    <TD style="border-right: 2px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&#151;</TD>
    <TD style="border-right: 2px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&#151;</TD>
    <TD style="border-right: 2px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&#151;</TD>
    <TD width="1%" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 1px" valign="bottom">
    <TD nowrap align="left" colspan="15" style="border-top: 3px double #000000">&nbsp;</TD>
</TR>

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</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In addition, pursuant to Rule 416(c) under the Securities Act of 1933, this
Registration Statement also covers any additional shares of Common Stock which become
issuable under the Flagstar Bancorp, Inc. 2006 Equity Incentive Plan (the &#147;2006 Plan&#148;)
by reason of any merger, consolidation, recapitalization, stock dividend, stock split,
or similar transaction without receipt of consideration which results in an increase in
the number of outstanding shares of Common Stock of Flagstar Bancorp, Inc.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Registrant previously registered shares of Common Stock for issuance under (i)&nbsp;the
Registrant&#146;s 1997 Employees and Directors Stock Option Plan, as amended (the &#147;1997
Plan&#148;) on registration statements on Form S-8 filed on April&nbsp;30, 1999, August&nbsp;30, 2001,
May&nbsp;30, 2002, and June&nbsp;3, 2005 (File Nos. 333-77501, 333-68682, 333-89420, and
333-125513) and (ii)&nbsp;the Registrant&#146;s 2000 Stock Incentive Plan, as amended (the &#147;2000
Plan&#148;) on registration statements on Form S-8 filed on May&nbsp;30, 2002 and June&nbsp;3, 2005
(File Nos. 333-89424 and 333-125512). The 1997 Plan and the 2000 Plan have been merged
into the 2006 Plan. The number of shares of the Registrant&#146;s Common Stock being
registered under this Registration Statement consists of (a)&nbsp;1,409,202 shares of Common
Stock reserved for issuance under the 1997 Plan on Registration Statement on Form S-8
(File No.&nbsp;333-125513) filed on June&nbsp;3, 2005 that have been transferred to the 2006 Plan;
(b)&nbsp;500,000 shares of Common Stock reserved for issuance under the Registrant&#146;s 2000
Plan on Registration Statement on Form S-8 (File No.&nbsp;333-125512) filed on June&nbsp;3, 2005
that have been transferred to the 2006 Plan; and (c)&nbsp;359,078 shares of Common Stock
reserved for issuance under the Registrant&#146;s 2000 Plan on Registration Statement on Form S-8 (File
No.&nbsp;333-89424) filed on May&nbsp;30, 2002 that have been
transferred to the 2006 Plan. Such shares may no longer be issued under the 1997 Plan and the 2000 Plan and may only be
issued, offered and sold under the 2006 Plan.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The registration fee with respect to the 2,268,280 shares being registered hereby was
paid by the Registrant upon the filing of (i)&nbsp;the Registration Statement on Form S-8
(File No.&nbsp;333-125513) filed on June&nbsp;3, 2005 in connection with the 1997 Plan; (ii)&nbsp;the
Registration Statement on Form S-8 (File No.&nbsp;333-125512) filed on June&nbsp;3, 2005 in
connection with the 2000 Plan; and (iii)&nbsp;the Registration Statement on Form S-8 (File
No.&nbsp;333-89424) filed on May&nbsp;30, 2002 in connection with the 2000 Plan.
Contemporaneously with the filing of this Registration Statement, the Registrant is
filing post-effective amendments to the Registration Statement on Form S-8 (File No.
333-125513) to deregister 1,409,202 unissued shares, the Registration Statement on Form
S-8 (File No.&nbsp;333-125512) to deregister 500,000 unissued shares, and the Registration
Statement on Form S-8 (File No.&nbsp;333-89424) to deregister 359,078 unissued shares. In
accordance with Instruction E to the General Instructions to Form S-8 and Interpretation
89 under Section&nbsp;G of the Manual of Publicly Available Telephone Interpretations of the
Securities and Exchange Commission&#146;s Division of Corporation Finance (July&nbsp;1997), no
additional fee is due with respect to the shares registered hereby.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>





<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
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	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">PART I</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001">Item&nbsp;1. Plan Information*</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002">Item&nbsp;2. Registrant Information and Employee Plan Annual Information*</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">PART II</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#004">Item&nbsp;3. Incorporation of Certain Documents by Reference</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005">Item&nbsp;4. Descriptions of Securities</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">Item&nbsp;5. Interests of Named Experts and Counsel</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007">Item&nbsp;6. Indemnification of Directors and Officers</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#008">Item&nbsp;7. Exemption from Registration Claimed</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#009">Item&nbsp;8. Exhibits</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#010">Item&nbsp;9. Undertakings</A></TD></TR>
<TR><TD colspan="9"><A HREF="#011">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#012">INDEX TO EXHIBITS</A></TD></TR>
<TR><TD colspan="9"><A HREF="k05705dexv5w1.htm">Opinion of Kutak Rock LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="k05705dexv23w2.htm">Consent of Grant Thornton LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="k05705dexv23w3.htm">Consent of Virchow, Krause & Company, LLP</A></TD></TR>
</TABLE>
</CENTER>
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<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXPLANATORY NOTE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Registration Statement relates to the registration of 2,268,280 shares of Common Stock,
$.01 par value per share, of Flagstar Bancorp, Inc. (the &#147;Company&#148;) reserved for issuance and
delivery under the 2006 Plan. The Company&#146;s stockholders approved the 2006 Plan on May&nbsp;26, 2006.
The 1997 Plan and the 2000 Plan were merged into the 2006 Plan. The 2,268,280 shares of Common
Stock being registered under this Registration Statement are comprised of: (i)&nbsp;1,409,202 unissued
shares of Common Stock (the &#147;1997 Carryover Shares&#148;) previously registered for the Company&#146;s 1997
Plan on Registration Statement on Form S-8 (File No.&nbsp;333-125513) filed on June&nbsp;3, 2005; (ii)
500,000 unissued shares of Common Stock (the &#147;2000 Carryover Shares&#148;) previously registered for the
Company&#146;s 2000 Plan on Registration Statement on Form S-8 (File No.&nbsp;333-125512) filed on June&nbsp;3,
2005; and (iii)&nbsp;359,078 unissued shares of Common Stock (the &#147;2002 Carryover Shares&#148;) previously
registered for the Company&#146;s 2000 Plan on Registration Statement on Form S-8 (File No.&nbsp;333-89424)
filed on May&nbsp;30, 2002. The 2002 Carryover Shares, together with the 1997 Carryover Shares and the
2000 Carryover Shares, are referred to herein as the &#147;Carryover Shares.&#148; None of the Carryover
Shares may be issued under the 1997 Plan or the 2000 Plan and such Carryover Shares may only be
issued, offered and sold under the 2006 Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with Instruction E to the General Instructions to Form S-8 and Interpretation 89
under Section&nbsp;G of the Manual of Publicly Available Telephone Interpretations of the Securities and
Exchange Commission&#146;s Division of Corporation Finance (July&nbsp;1997), this Registration Statement is
hereby filed to carry forward the $3,207.34 registration fee previously paid with respect to the
1997 Carryover Shares, the $1,177 registration fee previously paid with respect to the 2000
Carryover Shares, and the $290.71 registration fee previously paid with respect to the 2002
Carryover Shares. Contemporaneously with the filing of this Registration Statement, the Company is
filing post-effective amendments to the Registration Statement on Form S-8 (File No.&nbsp;333-125513) to
deregister the 1997 Carryover Shares, the Registration Statement on Form S-8 (File No.&nbsp;333-125512)
to deregister the 2000 Carryover Shares, and the Registration Statement on Form S-8 (File No.
333-89424) to deregister the 2002 Carryover Shares.
</DIV>

<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "PART I" -->
<DIV align="left"><A NAME="000"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PART I</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>INFORMATION REQUIRED IN THE SECTION<BR>
10(a) PROSPECTUS</B>

</DIV>
<!-- link2 "Item&nbsp;1. Plan Information*" -->
<DIV align="left"><A NAME="001"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;1. Plan Information</B>*
</DIV>

<!-- link2 "Item&nbsp;2. Registrant Information and Employee Plan Annual Information*" -->
<DIV align="left"><A NAME="002"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;2. Registrant Information and Employee Plan Annual Information</B>*
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">*Documents containing the information required by Part&nbsp;I of this Registration Statement will
be sent or given to participants in the 2006 Plan as specified by Rule&nbsp;428(b)(1). Such
documents need not 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 Rule&nbsp;424, in reliance on Rule&nbsp;428. These documents and the documents
incorporated by reference in this Registration Statement pursuant to Item&nbsp;3 of Part&nbsp;II of
this Registration Statement, taken together, constitute a prospectus that meets the
requirements of Section 10(a) of the Securities Act of 1933.
</DIV>
<!-- link1 "PART II" -->
<DIV align="left"><A NAME="003"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PART II</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>

</DIV>
<!-- link2 "Item&nbsp;3. Incorporation of Certain Documents by Reference" -->
<DIV align="left"><A NAME="004"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;3. Incorporation of Certain Documents by Reference</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is subject to the informational requirements of the Securities Exchange Act of
1934, as amended (the &#147;1934 Act&#148;) and, accordingly, files periodic reports and other information
with the Commission. Reports, proxy statements and other information concerning the Company filed
with the Commission may be inspected and copies may be obtained (at prescribed rates) at the
Commission&#146;s Public Reference Section, Room&nbsp;1024, 450 Fifth Street, N.W., Washington, D.C. 20549.
The Commission also maintains a Web site that contains reports, proxy and information statements
and other information regarding registrants that file electronically with the Commission, including
the Company. The address for the Commission&#146;s Web site is &#147;http://www.sec.gov&#148;.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents filed with the Commission by the Company are incorporated in this
Registration Statement by reference:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Company&#146;s Annual Report on Form 10-K for the fiscal year ended December&nbsp;31,
2005, filed with the Commission on March&nbsp;16, 2006 (File No.&nbsp;001-16577);
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Company&#146;s Quarterly Report on Form 10-Q for the quarter ended March&nbsp;31, 2006,
filed with the Commission on May&nbsp;5, 2006 (File No.&nbsp;001-16577);
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The Company&#146;s Current Reports on Form 8-K, filed with the Commission on January&nbsp;31,
2006 and April&nbsp;28, 2006 (File No.&nbsp;001-16577); and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The description of the Company&#146;s Common Stock as contained in the Company&#146;s
Registration Statement on Form 8-A, as filed with the Commission on June&nbsp;28, 2001 (File No.
001-16577).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents filed with the Commission by the Company pursuant to Sections&nbsp;13(a), 13(c), 14
and 15(d) of the 1934 Act after the date hereof and prior to the filing of a post-effective
amendment that indicates that all securities offered have been sold or that deregisters all
securities then remaining unsold, shall be deemed to be incorporated by reference in this
Registration Statement and to be a part hereof from the date of filing of such documents.
</DIV>

<P align="center" style="font-size: 10pt">2
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link2 "Item&nbsp;4. Descriptions of Securities" -->
<DIV align="left"><A NAME="005"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;4. Descriptions of Securities</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable, as the Common Stock is registered under Section&nbsp;12 of the Securities Exchange
Act of 1934.
</DIV>
<!-- link2 "Item&nbsp;5. Interests of Named Experts and Counsel" -->
<DIV align="left"><A NAME="006"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;5. Interests of Named Experts and Counsel</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.
</DIV>
<!-- link2 "Item&nbsp;6. Indemnification of Directors and Officers" -->
<DIV align="left"><A NAME="007"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;6. Indemnification of Directors and Officers</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s Restated Articles of Incorporation contain a provision, authorized by the
Michigan Business Corporation Act (the &#147;MBCA&#148;), designed to eliminate in certain circumstances the
personal liability of directors for monetary damages to the Company or its stockholders for breach
of their fiduciary duty as directors. This provision, however, does not limit the liability of any
director who breached his or her duty of loyalty to the Company or its stockholders, failed to act
in good faith, obtained an improper personal benefit or paid a dividend or approved a stock
repurchase or redemption that was prohibited under Michigan law. This provision will not limit or
eliminate the rights of the Company or any stockholder to seek an injunction or any other
nonmonetary relief in the event of a breach of director&#146;s duty of care. In addition, this
provision applies only to claims against a director arising out of his or her role as a director
and does not relieve a director from liability unrelated to his or her fiduciary duty of care or
from a violation of statutory law such as certain liabilities imposed on a director under the
federal securities laws.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s Restated Articles of Incorporation also provide that the Company shall indemnify
all directors and officers of the Company to the full extent permitted by the MBCA. Under the
provisions of the MBCA, any director or officer who, in his or her capacity as such, is made or
threatened to be made a party to any suit or proceeding, may be indemnified if the Board determines
such director or officer acted in good faith and in a manner he or she reasonably believed to be in
or not opposed to the best interests of the Company or its stockholders.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Officers and directors are covered within specified monetary limits by insurance against
certain losses arising from claims made by reason of their being directors or officers of the
Company or of the Company&#146;s subsidiaries and the Company&#146;s officers and directors are indemnified
against such losses by reason of their being or having been directors or officers of another
corporation, partnership, joint venture, trust or other enterprise at the Company&#146;s or its
subsidiaries&#146; request.
</DIV>
<!-- link2 "Item&nbsp;7. Exemption from Registration Claimed" -->
<DIV align="left"><A NAME="008"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;7. Exemption from Registration Claimed</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.
</DIV>
<!-- link2 "Item&nbsp;8. Exhibits" -->
<DIV align="left"><A NAME="009"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;8. Exhibits</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The exhibits scheduled to be filed as part of this Registration Statement are as follows:</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">4.1</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Flagstar Bancorp, Inc. 2006 Equity Incentive Plan (filed as Appendix&nbsp;C to the
Company&#146;s Definitive Proxy Statement filed with the Commission on April&nbsp;24, 2006
(File No.&nbsp;001-16577) and incorporated herein by reference)</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">5.1</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Opinion of Kutak Rock LLP as to the legality of the Common Stock being registered*</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">23.1</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Consent of Kutak Rock LLP (appears in their opinion filed as Exhibit&nbsp;5)*</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">23.2</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Consent of Grant Thornton LLP*</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">23.3</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Consent of Virchow, Krause &#038; Company, LLP*</TD>
</TR>

</TABLE>
</DIV>


<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">*</TD>
    <TD>&nbsp;</TD>
    <TD>Filed herewith.</TD>
</TR>

</TABLE>



<P align="center" style="font-size: 10pt">3
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link2 "Item&nbsp;9. Undertakings" -->
<DIV align="left"><A NAME="010"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;9. Undertakings</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;The Company hereby undertakes:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) To include any prospectus required by Section&nbsp;10(a)(3) of the Securities
Act of 1933;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) To reflect in the prospectus any facts of 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 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% change in the maximum aggregate offering price set forth in the
&#147;Calculation of Registration Fee&#148; table in the effective Registration Statement; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) To include any material information with respect to the plan of
distribution not previously disclosed in the Registration Statement or any material
change to such information in the Registration Statement;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Provided, however, </I>that paragraphs (1)(i) and (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 Company pursuant to Section&nbsp;13 or Section 15(d) of the Securities
Exchange Act of 1934 that are incorporated by reference in the Registration
Statement or is contained in a form of prospectus filed pursuant to Rule 424(b) that
is part of the Registration Statement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) That, for the purpose of determining any liability under the Securities Act of
1933, 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.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;The Company hereby undertakes that, for purposes of determining any liability under the
Securities Act of 1933, each filing of the Company&#146;s annual report pursuant to Section 13(a) or
15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee
benefit plan&#146;s annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) that
is incorporated by reference in the Registration Statement 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.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;The Company hereby undertakes to deliver or cause to be delivered with the prospectus, to
each person to whom the prospectus is sent or given, the latest annual report, to security holders
that is incorporated by reference in the prospectus and furnished pursuant to and meeting the
requirements of Rule&nbsp;14a-3 or Rule&nbsp;14c-3
</DIV>

<P align="center" style="font-size: 10pt">4
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">under the Securities Exchange Act of 1934; and, where interim financial information required
to be presented by Article&nbsp;3 of Regulation&nbsp;S-X is not set forth in the prospectus, to deliver, or
cause to be delivered to each person to whom the prospectus is sent or given, the latest quarterly
report that is specifically incorporated by reference in the prospectus to provide such interim
financial information.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be
permitted to directors, officers and controlling persons of the Company pursuant to the foregoing
provisions, or otherwise, the Company has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed in the Act and is,
therefore, unenforceable. In the event that a claim for indemnification against such liabilities
(other than the payment by the Company of expenses incurred or paid by a director, officer or
controlling person of the Company 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 Company 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 Act and will be governed by the
final adjudication of such issue.
</DIV>


<P align="center" style="font-size: 10pt">5
</DIV>


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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">



<!-- link1 "SIGNATURES " -->
<DIV align="left"><A NAME="011"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SIGNATURES</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the Company certifies that it has
reasonable grounds to believe that it meets all of 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 City of Troy, State of Michigan, on this 26<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> day of May, 2006.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="36%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left">FLAGSTAR BANCORP, INC.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Mark T. Hammond</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Mark T. Hammond<BR>
Vice-Chairman, President and<BR>
Chief Executive Officer</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(Duly Authorized Representative)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1933, this Registration
Statement has been signed by the following persons (including a majority of the Board of Directors
of the Company) in the capacities and on the dates indicated.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="25%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="25%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Signatures</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>Title</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>Date</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Thomas J. Hammond
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Thomas J. Hammond
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Chairman of the Board&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Mark T. Hammond
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Mark T. Hammond
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice-Chairman of the Board,&nbsp;President
and Chief Executive
Officer (Principal Executive
Officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Paul D. Borja
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Paul D. Borja
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Vice-President,&nbsp;Chief
Financial Officer and
Treasurer (Principal Financial
and Accounting Officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Kirstin A. Hammond
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Kirstin A. Hammond
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Director and&nbsp;Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Robert O. Rondeau, Jr.
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Robert O. Rondeau, Jr.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Director and&nbsp;Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Charles Bazzy
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Charles Bazzy
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ James D. Coleman
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
James D. Coleman
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Richard S. Elsea
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Richard S. Elsea
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Michael Lucci, Sr.
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Michael Lucci, Sr.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Robert W. DeWitt
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Robert W. DeWitt
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Frank D&#146;Angelo
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Frank D&#146;Angelo
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Signatures</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>Title</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>Date</B></TD>
</TR>

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

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ B. Brian Tauber
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
B. Brian Tauber
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May&nbsp;26, 2006</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Jay J. Hansen
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Jay J. Hansen
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director May&nbsp;26, 2006&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">2
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "INDEX TO EXHIBITS" -->
<DIV align="left"><A NAME="012"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>INDEX TO EXHIBITS</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="93%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Exhibit</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Description</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Flagstar Bancorp, Inc. 2006 Equity Incentive Plan (filed as Appendix&nbsp;C to the
Company&#146;s Definitive Proxy Statement filed with the Commission on April&nbsp;24, 2006
(File No.&nbsp;001-16577) and incorporated herein by reference)</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Kutak Rock LLP as to the legality of the Common Stock being registered</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Kutak Rock LLP (appears in their opinion filed as Exhibit&nbsp;5)</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Grant Thornton LLP</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="right" valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.3
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Virchow, Krause &#038; Company, LLP</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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sv8
Table of Contents
As filed with the Securities and Exchange Commission on May 26, 2006
Registration
No. 333-
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT UNDER
THE SECURITIES ACT OF 1933
FLAGSTAR BANCORP, INC.
(Exact Name of Registrant as Specified in Its Charter)
Michigan
38-3150651
(State or Other Jurisdiction of
(I.R.S. Employer
Incorporation or Organization)
Identification No.)
5151 Corporate Drive
Troy, Michigan 48098
(Address of Principal Executive Offices)
Flagstar
Bancorp, Inc. 2006 Equity Incentive Plan
(Full title of the
Plan)
Mark
T. Hammond, Vice-Chairman of the Board,
President and Chief Executive Officer
Flagstar Bancorp, Inc.
5151 Corporate Drive
Troy, Michigan 48098
(Name and Address of Agent For Service)
(248) 312-2000
(Telephone Number, Including Area Code, of Agent for Service)
Copies to:
Jeremy T. Johnson, Esquire
Kutak Rock LLP
1101 Connecticut Avenue, N.W., Suite 1000
Washington, D.C. 20036-4374
(202) 828-2400
(202) 828-2488
      (fax)
CALCULATION OF REGISTRATION FEE
Title Of
Amount
Proposed Maximum
Proposed Maximum
Amount of
Securities
To Be
Offering Price
Aggregate Offering
Registration
To Be Registered
Registered (1)
Per Share (3)
Price (3)
Fee (3)
Common Stock,
$.01 par value
2,268,280 (2)
—
—
—
(1)
In addition, pursuant to Rule 416(c) under the Securities Act of 1933, this
Registration Statement also covers any additional shares of Common Stock which become
issuable under the Flagstar Bancorp, Inc. 2006 Equity Incentive Plan (the "2006 Plan")
by reason of any merger, consolidation, recapitalization, stock dividend, stock split,
or similar transaction without receipt of consideration which results in an increase in
the number of outstanding shares of Common Stock of Flagstar Bancorp, Inc.
(2)
The Registrant previously registered shares of Common Stock for issuance under (i) the
Registrant's 1997 Employees and Directors Stock Option Plan, as amended (the "1997
Plan") on registration statements on Form S-8 filed on April 30, 1999, August 30, 2001,
May 30, 2002, and June 3, 2005 (File Nos. 333-77501, 333-68682, 333-89420, and
333-125513) and (ii) the Registrant's 2000 Stock Incentive Plan, as amended (the "2000
Plan") on registration statements on Form S-8 filed on May 30, 2002 and June 3, 2005
(File Nos. 333-89424 and 333-125512). The 1997 Plan and the 2000 Plan have been merged
into the 2006 Plan. The number of shares of the Registrant's Common Stock being
registered under this Registration Statement consists of (a) 1,409,202 shares of Common
Stock reserved for issuance under the 1997 Plan on Registration Statement on Form S-8
(File No. 333-125513) filed on June 3, 2005 that have been transferred to the 2006 Plan;
(b) 500,000 shares of Common Stock reserved for issuance under the Registrant's 2000
Plan on Registration Statement on Form S-8 (File No. 333-125512) filed on June 3, 2005
that have been transferred to the 2006 Plan; and (c) 359,078 shares of Common Stock
reserved for issuance under the Registrant's 2000 Plan on Registration Statement on Form S-8 (File
No. 333-89424) filed on May 30, 2002 that have been
transferred to the 2006 Plan. Such shares may no longer be issued under the 1997 Plan and the 2000 Plan and may only be
issued, offered and sold under the 2006 Plan.
(3)
The registration fee with respect to the 2,268,280 shares being registered hereby was
paid by the Registrant upon the filing of (i) the Registration Statement on Form S-8
(File No. 333-125513) filed on June 3, 2005 in connection with the 1997 Plan; (ii) the
Registration Statement on Form S-8 (File No. 333-125512) filed on June 3, 2005 in
connection with the 2000 Plan; and (iii) the Registration Statement on Form S-8 (File
No. 333-89424) filed on May 30, 2002 in connection with the 2000 Plan.
Contemporaneously with the filing of this Registration Statement, the Registrant is
filing post-effective amendments to the Registration Statement on Form S-8 (File No.
333-125513) to deregister 1,409,202 unissued shares, the Registration Statement on Form
S-8 (File No. 333-125512) to deregister 500,000 unissued shares, and the Registration
Statement on Form S-8 (File No. 333-89424) to deregister 359,078 unissued shares. In
accordance with Instruction E to the General Instructions to Form S-8 and Interpretation
89 under Section G of the Manual of Publicly Available Telephone Interpretations of the
Securities and Exchange Commission's Division of Corporation Finance (July 1997), no
additional fee is due with respect to the shares registered hereby.
TABLE OF CONTENTS
PART I
Item 1. Plan Information*
Item 2. Registrant Information and Employee Plan Annual Information*
PART II
Item 3. Incorporation of Certain Documents by Reference
Item 4. Descriptions of Securities
Item 5. Interests of Named Experts and Counsel
Item 6. Indemnification of Directors and Officers
Item 7. Exemption from Registration Claimed
Item 8. Exhibits
Item 9. Undertakings
SIGNATURES
INDEX TO EXHIBITS
Opinion of Kutak Rock LLP
Consent of Grant Thornton LLP
Consent of Virchow, Krause & Company, LLP
Table of Contents
EXPLANATORY NOTE
This Registration Statement relates to the registration of 2,268,280 shares of Common Stock,
$.01 par value per share, of Flagstar Bancorp, Inc. (the "Company") reserved for issuance and
delivery under the 2006 Plan. The Company's stockholders approved the 2006 Plan on May 26, 2006.
The 1997 Plan and the 2000 Plan were merged into the 2006 Plan. The 2,268,280 shares of Common
Stock being registered under this Registration Statement are comprised of: (i) 1,409,202 unissued
shares of Common Stock (the "1997 Carryover Shares") previously registered for the Company's 1997
Plan on Registration Statement on Form S-8 (File No. 333-125513) filed on June 3, 2005; (ii)
500,000 unissued shares of Common Stock (the "2000 Carryover Shares") previously registered for the
Company's 2000 Plan on Registration Statement on Form S-8 (File No. 333-125512) filed on June 3,
2005; and (iii) 359,078 unissued shares of Common Stock (the "2002 Carryover Shares") previously
registered for the Company's 2000 Plan on Registration Statement on Form S-8 (File No. 333-89424)
filed on May 30, 2002. The 2002 Carryover Shares, together with the 1997 Carryover Shares and the
2000 Carryover Shares, are referred to herein as the "Carryover Shares." None of the Carryover
Shares may be issued under the 1997 Plan or the 2000 Plan and such Carryover Shares may only be
issued, offered and sold under the 2006 Plan.
In accordance with Instruction E to the General Instructions to Form S-8 and Interpretation 89
under Section G of the Manual of Publicly Available Telephone Interpretations of the Securities and
Exchange Commission's Division of Corporation Finance (July 1997), this Registration Statement is
hereby filed to carry forward the $3,207.34 registration fee previously paid with respect to the
1997 Carryover Shares, the $1,177 registration fee previously paid with respect to the 2000
Carryover Shares, and the $290.71 registration fee previously paid with respect to the 2002
Carryover Shares. Contemporaneously with the filing of this Registration Statement, the Company is
filing post-effective amendments to the Registration Statement on Form S-8 (File No. 333-125513) to
deregister the 1997 Carryover Shares, the Registration Statement on Form S-8 (File No. 333-125512)
to deregister the 2000 Carryover Shares, and the Registration Statement on Form S-8 (File No.
333-89424) to deregister the 2002 Carryover Shares.
Table of Contents
PART I
INFORMATION REQUIRED IN THE SECTION
10(a) PROSPECTUS
Item 1. Plan Information
*
Item 2. Registrant Information and Employee Plan Annual Information
*
*Documents containing the information required by Part I of this Registration Statement will
be sent or given to participants in the 2006 Plan as specified by Rule 428(b)(1). Such
documents need not 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 Rule 424, in reliance on Rule 428. These documents and the documents
incorporated by reference in this Registration Statement pursuant to Item 3 of Part II of
this Registration Statement, taken together, constitute a prospectus that meets the
requirements of Section 10(a) of the Securities Act of 1933.
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3. Incorporation of Certain Documents by Reference
The Company is subject to the informational requirements of the Securities Exchange Act of
1934, as amended (the "1934 Act") and, accordingly, files periodic reports and other information
with the Commission. Reports, proxy statements and other information concerning the Company filed
with the Commission may be inspected and copies may be obtained (at prescribed rates) at the
Commission's Public Reference Section, Room 1024, 450 Fifth Street, N.W., Washington, D.C. 20549.
The Commission also maintains a Web site that contains reports, proxy and information statements
and other information regarding registrants that file electronically with the Commission, including
the Company. The address for the Commission's Web site is "http://www.sec.gov".
The following documents filed with the Commission by the Company are incorporated in this
Registration Statement by reference:
(a) The Company's Annual Report on Form 10-K for the fiscal year ended December 31,
2005, filed with the Commission on March 16, 2006 (File No. 001-16577);
(b) The Company's Quarterly Report on Form 10-Q for the quarter ended March 31, 2006,
filed with the Commission on May 5, 2006 (File No. 001-16577);
(c) The Company's Current Reports on Form 8-K, filed with the Commission on January 31,
2006 and April 28, 2006 (File No. 001-16577); and
(d) The description of the Company's Common Stock as contained in the Company's
Registration Statement on Form 8-A, as filed with the Commission on June 28, 2001 (File No.
001-16577).
All documents filed with the Commission by the Company pursuant to Sections 13(a), 13(c), 14
and 15(d) of the 1934 Act after the date hereof and prior to the filing of a post-effective
amendment that indicates that all securities offered have been sold or that deregisters all
securities then remaining unsold, shall be deemed to be incorporated by reference in this
Registration Statement and to be a part hereof from the date of filing of such documents.
2
Table of Contents
Item 4. Descriptions of Securities
Not applicable, as the Common Stock is registered under Section 12 of the Securities Exchange
Act of 1934.
Item 5. Interests of Named Experts and Counsel
Not Applicable.
Item 6. Indemnification of Directors and Officers
The Company's Restated Articles of Incorporation contain a provision, authorized by the
Michigan Business Corporation Act (the "MBCA"), designed to eliminate in certain circumstances the
personal liability of directors for monetary damages to the Company or its stockholders for breach
of their fiduciary duty as directors. This provision, however, does not limit the liability of any
director who breached his or her duty of loyalty to the Company or its stockholders, failed to act
in good faith, obtained an improper personal benefit or paid a dividend or approved a stock
repurchase or redemption that was prohibited under Michigan law. This provision will not limit or
eliminate the rights of the Company or any stockholder to seek an injunction or any other
nonmonetary relief in the event of a breach of director's duty of care. In addition, this
provision applies only to claims against a director arising out of his or her role as a director
and does not relieve a director from liability unrelated to his or her fiduciary duty of care or
from a violation of statutory law such as certain liabilities imposed on a director under the
federal securities laws.
The Company's Restated Articles of Incorporation also provide that the Company shall indemnify
all directors and officers of the Company to the full extent permitted by the MBCA. Under the
provisions of the MBCA, any director or officer who, in his or her capacity as such, is made or
threatened to be made a party to any suit or proceeding, may be indemnified if the Board determines
such director or officer acted in good faith and in a manner he or she reasonably believed to be in
or not opposed to the best interests of the Company or its stockholders.
Officers and directors are covered within specified monetary limits by insurance against
certain losses arising from claims made by reason of their being directors or officers of the
Company or of the Company's subsidiaries and the Company's officers and directors are indemnified
against such losses by reason of their being or having been directors or officers of another
corporation, partnership, joint venture, trust or other enterprise at the Company's or its
subsidiaries' request.
Item 7. Exemption from Registration Claimed
Not Applicable.
Item 8. Exhibits
The exhibits scheduled to be filed as part of this Registration Statement are as follows:
4.1
Flagstar Bancorp, Inc. 2006 Equity Incentive Plan (filed as Appendix C to the
Company's Definitive Proxy Statement filed with the Commission on April 24, 2006
(File No. 001-16577) and incorporated herein by reference)
5.1
Opinion of Kutak Rock LLP as to the legality of the Common Stock being registered*
23.1
Consent of Kutak Rock LLP (appears in their opinion filed as Exhibit 5)*
23.2
Consent of Grant Thornton LLP*
23.3
Consent of Virchow, Krause & Company, LLP*
*
Filed herewith.
3
Table of Contents
Item 9. Undertakings
1. The Company 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 of 1933;
(ii) To reflect in the prospectus any facts of 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 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% change in the maximum aggregate offering price set forth in the
"Calculation of Registration Fee" table in the effective Registration Statement; and
(iii) To include any material information with respect to the plan of
distribution not previously disclosed in the Registration Statement or any material
change to such information in the Registration Statement;
Provided, however,
that paragraphs (1)(i) and (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 Company pursuant to Section 13 or Section 15(d) of the Securities
Exchange Act of 1934 that are incorporated by reference in the Registration
Statement or is contained in a form of prospectus filed pursuant to Rule 424(b) that
is part of the Registration Statement.
(2) That, for the purpose of determining any liability under the Securities Act of
1933, 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.
2. The Company hereby undertakes that, for purposes of determining any liability under the
Securities Act of 1933, each filing of the Company's annual report pursuant to Section 13(a) or
15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee
benefit plan's annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) that
is incorporated by reference in the Registration Statement 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. The Company hereby undertakes to deliver or cause to be delivered with the prospectus, to
each person to whom the prospectus is sent or given, the latest annual report, to security holders
that is incorporated by reference in the prospectus and furnished pursuant to and meeting the
requirements of Rule 14a-3 or Rule 14c-3
4
Table of Contents
under the Securities Exchange Act of 1934; and, where interim financial information required
to be presented by Article 3 of Regulation S-X is not set forth in the prospectus, to deliver, or
cause to be delivered to each person to whom the prospectus is sent or given, the latest quarterly
report that is specifically incorporated by reference in the prospectus to provide such interim
financial information.
4. Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be
permitted to directors, officers and controlling persons of the Company pursuant to the foregoing
provisions, or otherwise, the Company has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed in the Act and is,
therefore, unenforceable. In the event that a claim for indemnification against such liabilities
(other than the payment by the Company of expenses incurred or paid by a director, officer or
controlling person of the Company 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 Company 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 Act and will be governed by the
final adjudication of such issue.
5
Table of Contents
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the Company certifies that it has
reasonable grounds to believe that it meets all of 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 City of Troy, State of Michigan, on this 26
th
day of May, 2006.
FLAGSTAR BANCORP, INC.
By
/s/ Mark T. Hammond
Mark T. Hammond
Vice-Chairman, President and
Chief Executive Officer
(Duly Authorized Representative)
Pursuant to the requirements of the Securities Exchange Act of 1933, this Registration
Statement has been signed by the following persons (including a majority of the Board of Directors
of the Company) in the capacities and on the dates indicated.
Signatures
Title
Date
/s/ Thomas J. Hammond
Thomas J. Hammond
Chairman of the Board
May 26, 2006
/s/ Mark T. Hammond
Mark T. Hammond
Vice-Chairman of the Board, President
and Chief Executive
Officer (Principal Executive
Officer)
May 26, 2006
/s/ Paul D. Borja
Paul D. Borja
Executive Vice-President, Chief
Financial Officer and
Treasurer (Principal Financial
and Accounting Officer)
May 26, 2006
/s/ Kirstin A. Hammond
Kirstin A. Hammond
Executive Director and Director
May 26, 2006
/s/ Robert O. Rondeau, Jr.
Robert O. Rondeau, Jr.
Executive Director and Director
May 26, 2006
/s/ Charles Bazzy
Charles Bazzy
Director
May 26, 2006
/s/ James D. Coleman
James D. Coleman
Director
May 26, 2006
/s/ Richard S. Elsea
Richard S. Elsea
Director
May 26, 2006
/s/ Michael Lucci, Sr.
Michael Lucci, Sr.
Director
May 26, 2006
/s/ Robert W. DeWitt
Robert W. DeWitt
Director
May 26, 2006
/s/ Frank D'Angelo
Frank D'Angelo
Director
May 26, 2006
Table of Contents
Signatures
Title
Date
/s/ B. Brian Tauber
B. Brian Tauber
Director
May 26, 2006
/s/ Jay J. Hansen
Jay J. Hansen
Director May 26, 2006
2
Table of Contents
INDEX TO EXHIBITS
Exhibit
Description
4.1
Flagstar Bancorp, Inc. 2006 Equity Incentive Plan (filed as Appendix C to the
Company's Definitive Proxy Statement filed with the Commission on April 24, 2006
(File No. 001-16577) and incorporated herein by reference)
5.1
Opinion of Kutak Rock LLP as to the legality of the Common Stock being registered
23.1
Consent of Kutak Rock LLP (appears in their opinion filed as Exhibit 5)
23.2
Consent of Grant Thornton LLP
23.3
Consent of Virchow, Krause & Company, LLP