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 23, 2003 --------------- TRIAD GUARANTY INC. (Exact name of registrant as specified in its charter) DELAWARE 56-1838519 State of Other I.R.S. Employer Jurisdiction of Identification Number Incorporation 101 SOUTH STRATFORD ROAD WINSTON-SALEM, NORTH CAROLINA 27104 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (336) 723-1282 NOT APPLICABLE (Former name or former address, if changed since last report) ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS (c) The following exhibit is furnished with this document: Number Exhibit ------ ------- 99.1 Press Release issued by Triad Guaranty Inc dated July 23, 2003. ITEM 9. Regulation FD Disclosure The information in this item is being furnished to, but not filed with, the Securities and Exchange Commission solely under Item 12 of Form 8-K, "Results of Operations and Financial Condition," pursuant to interim procedures promulgated by the Securities and Exchange Commission in Release 33-8216 issued March 27, 2003. On July 23, 2003, the registrant issued a press release to report results for its second quarter ended June 30, 2003. This release is furnished as exhibit 99.1 hereto. 2 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. TRIAD GUARANTY INC. Date: July 23, 2003 By: /s/ Michael R. Oswalt ---------------------------- Michael R. Oswalt Senior Vice President and Treasurer 3