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Capital One Announces Plans to Defease Discover Card Execution Note Trust Class A Notes

Capital One Financial Corporation (COF) | December 2025

By Mike Hernandez

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Capital One plans to defease the outstanding Discover Series Class A Notes issued by the Discover Card Execution Note Trust.

The defeasance is expected to be completed by December 2025.

The defeasance collateral will consist of U.S. Treasury bonds, cash, or a combination of both.

Defeasance Plan

Capital One's subsidiary plans to defease Discover Series Class A Notes.

Completion Timeline

Defeasance expected to be completed by December 2025.

Collateral Details

Expected collateral includes U.S. Treasury bonds and cash.

  • The planned defeasance will involve retiring and canceling subordinated class notes.
  • DCENT's beneficial interest in credit card receivables will be released from the lien of the Indenture.
  • DCMT will be wound down, and the credit card receivables will be reassigned to CONA.

This press release highlights Capital One's strategic move to defease Discover Card Execution Note Trust Class A Notes, showcasing their commitment to financial optimization and risk management.