================================================================================ UNITED STATES 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): MAY 24, 2004 FREMONT GENERAL CORPORATION (Exact Name of Registrant as Specified in Its Charter) NEVADA (State or Other Jurisdiction of Incorporation) 1-8007 95-2815260 (Commission File Number) (I.R.S. Employer Identification No.) 2020 SANTA MONICA BOULEVARD - SUITE 600 SANTA MONICA, CA 90404 (Address of Principal Executive Offices) (Zip Code) (310) 315-5500 (Registrant's Telephone Number, Including Area Code) N/A (Former Name or Former Address, if Changes Since Last Report) ================================================================================ ITEM 5. OTHER EVENTS. On May 24, 2004, Standard & Poor's Ratings Services revised its outlook on its ratings on Fremont General Corporation ("Fremont") to positive from stable. The ratings on Fremont were affirmed. 2 SIGNATURES 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 thereunto duly authorized. FREMONT GENERAL CORPORATION Date: May 26, 2004 BY: /s/ Patrick E. Lamb -------------------------------- Patrick E. Lamb, Senior Vice President, Chief Financial Officer and Treasurer 3