EX-23 11 dex23.txt CONSENT OF ERNST & YOUNG LLP Exhibit 23 Consent of Independent Auditors We consent to the incorporation by reference in this Annual Report (Form 10-K) of Capital One Financial Corporation of our report dated January 16, 2001, except for Note E as to which the date is February 6, 2001, included in the 2000 Annual Report to Stockholders of Capital One Financial Corporation. We also consent to the incorporation by reference in the following Registration Statements of Capital One Financial Corporation of our report dated January 16, 2001, except for Note E as to which the date is February 6, 2001, with respect to the consolidated financial statements of Capital One Financial Corporation incorporated by reference in the Annual Report (Form 10-K) for the year ended December 31, 2000:
Registration Statement Number Form Description --------------------------- ---------------- ------------------------------------------ 33-80263 Form S-8 Marketing and Management Services Agreement 33-86874 Form S-8 Employee Stock Purchase Plan 33-86876 Form S-8 Employee Savings Plan 33-86986 Form S-8 1994 Stock Incentive Plan 33-91790 Form S-8 1995 Non-Employee Directors Stock Incentive Plan 33-97032 Form S-8 Amendment to 1994 Stock Incentive Plan 33-99748 Form S-3 Dividend Reinvestment and Stock Purchase Plan 333-3580 Form S-3 Debt Securities, Preferred Stock and Common Stock in the amount of $200 million 333-42853 Form S-8 1994 Stock Incentive Plan 333-45453 Form S-8 Associate Savings Plan 333-51639 Form S-8 1994 Stock Incentive Plan, Tier 5 Special Option Program 333-51637 Form S-8 1994 Stock Incentive Plan 333-57317 Form S-8 1994 Stock Incentive Plan, 1998 Special Option Program 333-58577 Form S-3 Debt Securities, Preferred Stock and Common Stock in the amount of $500 million 333-60831 Form S-3 Acquisition of Summit Acceptance Corporation 333-70305 Form S-8 1994 Stock Incentive Plan, Supplemental Special Option Program 333-78067 Form S-8 1994 Stock Incentive Plan 333-78383 Form S-8 1994 Stock Incentive Plan, 1999 Performance-Based Option Program and Supplemental Special Option Program 333-78609 Form S-8 1999 Stock Incentive Plan 333-78635 Form S-8 1999 Non-Employee Directors Stock Incentive Plan 333-84693 Form S-8 1994 Stock Incentive Plan, Supplemental Special Option Program 333-85227 Form S-3 Debt Securities, Preferred Stock and Common Stock in the amount of $1 billion 333-91327 Form S-8 1994 Stock Incentive Plan 333-92345 Form S-8 1994 Stock Incentive Plan 333-43288 Form S-8 1994 Stock Incentive Plan
/s/ Ernst & Young LLP McLean, Virginia March 27, 2001