8-K 1 a38923.txt CIT EQUIPMENT COLLATERAL 2004-EF1 (38923) SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 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): December 20, 2004 ----------------------------- CIT Equipment Collateral 2004-EF1 ------------------------------------------------------------------------ Exact name of registrant as specified in its charter) Delaware ------------------------------------------------------------------------ (State or other jurisdiction of incorporation) 333-53688-04 75-6724294 _______________________________________________________________________ (Commission File Number) (IRS Employer Identification No.) c/o CIT Financial USA, Inc. 1 CIT Drive, Livingston, New Jersey 07039 ------------------------------------------------------------------------ (Address of principal executive offices and zip code) Registrant's telephone number, including area code: (973) 740-5000 ---------------------------- N/A ------------------------------------------------------------------------ (Former name or former address, if changed since last report.) Check the appropriate box below if the Form 8-K filing 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)) Item 8.01. Other Events. On December 20, 2004, JPMorgan Chase Bank, as Indenture Trustee, made the monthly distribution to the holders of CIT Equipment Collateral 2004-EF1, Class A-1 1.63% Receivable-Backed Notes, Class A-2 2.57% Receivable-Backed Notes, Class A-3 3.50% Receivable-Backed Notes, Class B 2.99% Receivable-Backed Notes, Class C 4.14% Receivable-Backed Notes and Class D 4.68% Receivable-Backed Notes. Item 9.01. Financial Statements and Exhibits. (c) Exhibits. The following are filed herewith. The exhibit numbers correspond with Item 601(b) of Regulation S-K.

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 hereunto duly authorized. CIT FINANCIAL USA, INC., as Servicer William G. Delaney _________________________ Name: William G. Delaney Title: Vice President Dated: December 20, 2004 INDEX TO EXHIBITS

CIT Equipment Collateral 2004-EF1 8-K