================================================================================ 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): JULY 29, 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 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On July 29, 2004, Fremont General Corporation issued a news release to report its results of operations and financial condition at, and for the three and six months ended, June 30, 2004. The information set forth in the attached Exhibit 99.1 is incorporated in the Item by reference and is being furnished and shall not be deemed "filed" for the purposes of the Securities Exchange Act of 1934, as amended. 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: July 29, 2004 BY: /s/ Patrick E. Lamb -------------------------------- Patrick E. Lamb Senior Vice President Chief Financial Officer and Treasurer (Principal Accounting Officer) 3