SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): October 7, 2004 MBIA INC. (Exact name of registrant as specified in its charter) Connecticut 1-9583 06-1185706 (State or other jurisdiction (Commission File Number) (IRS Employer of incorporation) Identification No.) 113 King Street, Armonk, New York 10504 (Addresses of principal executive offices) (Zip or Postal Codes) 914-273-4545 ------------ Registrant's telephone number, including area code NOT APPLICABLE (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: |_| Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |_| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) -------------------------------------------------------------------------------- Table of Contents ----------------- Item 2.02. Results of Operations and Financial Condition SIGNATURE EXHIBIT INDEX Exhibit 99.1 PRESS RELEASE Item 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION The following information, including the Exhibit to this Form 8-K, is being furnished pursuant to Item 2.02 - Results of Operations and Financial Condition of Form 8-K. This information is not deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 and is not incorporated by reference into any Securities Act registration statements. On October 7, 2004, MBIA Inc. issued a press release commenting on new business production for the first nine months of 2004 and certain loss activity during the quarter ended September 30, 2004. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K and incorporated by reference to this Item 2.02 as if fully set forth herein. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. MBIA INC. By: /s/ Ram D. Wertheim ------------------- Ram D. Wertheim General Counsel Date: October 8, 2004 EXHIBIT INDEX TO CURRENT REPORT ON FORM 8-K Dated October 7, 2004 Exhibit 99.1 Press Release issued by MBIA Inc. dated October 7, 2004.