The summary below was generated by an AI language model and may contain errors or omissions. All other content on this page is deterministically extracted from the original SEC EDGAR filing.
Capital One added two new risk factors in 2025 addressing liquidity management and fraud vulnerabilities in its product portfolio, while substantively revising eight existing risks including those related to macroeconomic disruption and regulatory compliance. The majority of risk disclosures - 23 out of 33 total - remained unchanged from the prior year, indicating stable core risk exposures across the company's operating environment. These additions suggest Capital One is responding to heightened concerns about funding stability and fraud prevention while maintaining continuity in its disclosure of established business risks.
Classification is based on semantic text similarity scoring and may include approximations. “No match” means no high-confidence textual match was found — not necessarily that a section was removed.
🟢 New in Current Filing
We may not be able to maintain adequate sources of funding and liquidity to operate our business.
🔒
🟢 New in Current Filing
Fraudulent activity associated with our products could cause our fraud losses to increase, the use of our products to decrease and our brands to suffer reputational damage, all of which could have a material adverse effect on our business.
🔒
🟡 Modified
Changes and instability in the macroeconomic environment could disrupt capital markets, reduce consumer and business activity, and weaken the labor market, all of which could impact borrowers’ ability to service their debt obligations and adversely impact our financial results.
🔒
🟡 Modified
Our required compliance with applicable laws and regulations related to privacy, data protection and data security, in addition to compliance with our own privacy policies and contractual obligations to third parties, may increase our costs, reduce our revenue, increase our legal exposure and limit our ability to pursue business opportunities.
🔒
🟡 Modified
Our businesses are subject to the risk of increased litigation, government investigations and regulatory enforcement.
🔒
🟡 Modified
We may fail to realize all of the anticipated benefits of the Transaction, or those benefits may take longer to realize than expected due to factors that may be outside our control or Discover’s control. We may also encounter significant difficulties in integrating Discover.
🔒
🟡 Modified
We expect to incur substantial expenses related to the Transaction and to the integration of Discover, and the expenses may be greater than anticipated due to unexpected events.
🔒
🟡 Modified
Fluctuations in interest rates could adversely affect our business, results of operations and financial condition.
🔒
🟡 Modified
Risks Relating to the Acquisition of Discover
🔒
🟡 Modified
If we are not able to protect our intellectual property rights, or we violate third-party intellectual property rights, our revenue and profitability could be negatively affected.
🔒