Public Comment EGRPRA Capital One Financial Corporation

Capital One Financial Corporation 1680 Capital One Drive McLean, VA 22102 April 4, 2006 Ms. Jennifer J. Johnson Regulation Comments Secretary Chief Counsel’s Office Board of Governors of the Federal Office of Thrift Supervision Reserve System 1700 G. Street, N.W. th20 Street and Constitution Avenue, N.W. Washington, DC 20552 Washington, DC 20551 No. 2005-33 regs.comments@federalreserve.gov regs.comments@ots.treas.gov Office of the Comptroller of the Currency Mr. Robert E. Feldman 250 E Street, S.W. Executive Secretary Mail Stop 1-5 Attn: Comments/Legal ESS Washington, DC 20219 Federal Deposit Insurance Corporation thDocket No. 05-22 550 17 Street, N.W. regs.comments@occ.treas.gov Washington, DC 20429 comments@fdic.gov Re: EGRPRA -- Disclosure and Reporting of CRA-Related Agreements Dear Sirs and Madams, Capital One Financial Corporation (Capital One) is pleased to submit comments in response to the federal banking agencies request for burden reduction recommendations, specifically with respect to the “CRA Sunshine” rule, 12 C.F.R. Parts 35, 207, 346 and 533. Capital One Financial Corporation is a financial holding company whose principal subsidiaries, Capital One Bank, Capital One, F.S.B., Capital One Auto Finance, Inc., and Hibernia National Bank, offer a broad spectrum of financial products and services to consumers, small businesses, and commercial clients. Capital One’s subsidiaries collectively had $47.9 billion in deposits and $105 ...