UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
                
FORM 11-K

[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2015

OR

[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission file number 001-35390
    
A.
FULL TITLE OF THE PLAN AND THE ADDRESS OF THE PLAN, IF DIFFERENT FROM THAT OF THE ISSUER NAMED BELOW:

401(k) Savings Plan of First Niagara

B.
NAME OF THE ISSUER OF THE SECURITIES HELD PURSUANT TO THE PLAN AND THE ADDRESS OF ITS PRINCIPAL EXECUTIVE OFFICE:

First Niagara Financial Group, Inc.
726 Exchange Street
Suite 618
Buffalo, New York 14210

REQUIRED INFORMATION

The 401(k) Savings Plan of First Niagara (the “Plan”) is subject to ERISA and therefore is filing the financial statements and schedule prepared in accordance with the financial reporting requirements of ERISA, as of and for the years ended December 31, 2015 and 2014 , as an exhibit to this report. Such Plan financial statements and schedule include Reports of Independent Registered Public Accounting Firms thereon.

EXHIBIT INDEX
23
Consent of Independent Registered Public Accounting Firm
99
401(k) Savings Plan of First Niagara Financial Statements and Schedule as of and for the years ended December 31, 2015 and 2014, with Report of Independent Registered Public Accounting Firm thereon.
          
SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Compensation Committee of the Board of Directors of First Niagara Financial Group, Inc. (as administrator of the Plan) has duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.
                        
Date:
June 22, 2016
By:
/s/ MaryLisa Oross
 
 
 
MaryLisa Oross
 
 
 
Vice President, Senior Benefits Manager
 
 
 
First Niagara Financial Group, Inc.


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