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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                           WASHINGTON, D.C. 20549-1004

                                   ----------
                                   Form 10-K/A
                                   ----------
(Mark One)

      [X]   ANNUAL  REPORT  PURSUANT  TO SECTION  13 OR 15(d) OF THE  SECURITIES
            EXCHANGE ACT OF 1934

                     For the fiscal year ended December 31, 1999

                                         OR

      [ ]   TRANSITION  REPORT  PURSUANT  TO  SECTION  13  OR  15(d)  OF  THE
            SECURITIES EXCHANGE ACT OF 1934

                  For the transition period from              to

                                   ----------

                          Commission file number 1-1861
                               THE CIT GROUP, INC.
             (Exact name of registrant as specified in its charter)

                Delaware                                   13-2994534
      (State or other jurisdiction                      (I.R.S. Employer
    of incorporation or organization)                  Identification No.)

1211 Avenue of the Americas, New York, New York                10036
   (Address of principal executive offices)                 (Zip Code)

       Registrant's telephone number, including area code: (212) 536-1950

                                   ----------

           Securities registered pursuant to Section 12(b) of the Act:

                                                    Name of each exchange on
          Title of each class                            which registered
           ----------------                          ------------------------
 Common Stock, par value $0.01 per share .........  New York Stock Exchange
                                                     Toronto Stock Exchange
    5 7/8% Notes due October 15, 2008 ............  New York Stock Exchange

                                   ----------

           Securities registered pursuant to Section 12(g) of the Act:
                                      None

      Indicate by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days. Yes X No _____.

      Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [ ]

      The  aggregate  market  value of the voting stock  including  Exchangeable
Shares held by  non-affiliates  of the  registrant,  based on the New York Stock
Exchange  Composite  Transaction  closing  price of the Common  Stock  including
Exchangeable   Shares   ($14.06  per  share),   on  February   29,   2000,   was
$2,281,167,773.  For purposes of this computation, all officers,  directors, and
5%  beneficial  owners  of the  registrant  are  deemed to be  affiliates.  Such
determination  should not be deemed an admission that such officers,  directors,
and beneficial  owners are, in fact,  affiliates of the registrant.  At February
29,  2000,   263,827,792   shares  of  the  Company's   Common  Stock  including
Exchangeable Shares, par value $0.01 per share, were outstanding.

      List hereunder the following  documents if  incorporated  by reference and
the Part of the Form 10-K (e.g.,  Part I, Part II, etc.) into which the document
is  incorporated:  (1) any  annual  report  to  stockholders;  (2) any  proxy or
information  statement;  and (3) any prospectus filed pursuant to Rule 424(b) or
(c) under the Securities Act of 1933.

                                      NONE

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<PAGE>

                                   SIGNATURES

      Pursuant  to the  requirements  of Section  13 or 15(d) 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.

                                 THE CIT GROUP, INC.

                                 By:            /s/ ERNEST D. STEIN
                                    -------------------------------------------
                                                  Ernest D. Stein
                                     Executive Vice President, General Counsel
                                                   and Secretary


March 29, 2000

      Pursuant to the requirements of the Securities  Exchange Act of 1934, this
amended report  has  been  signed  below  by the  following  persons  on  behalf
of the Registrant and in the capacities and on the dates indicated:


      Signature and Title                                           Date
       ----------------                                             ----
    ALBERT R. GAMPER, JR.*
--------------------------------
     Albert R. Gamper, Jr.
  Chairman, President, Chief
Executive Officer and Director
 (principal executive officer)


        DANIEL P. AMOS*
--------------------------------
        Daniel P. Amos
           Director

         ANTHEA DISNEY*
--------------------------------
         Anthea Disney
           Director

       WILLIAM A. FARLINGER*
--------------------------------
       William A. Farlinger
           Director

           GUY HANDS*
--------------------------------
           Guy Hands
           Director


         THOMAS H. KEAN*            *BY: /s/ ERNEST D. STEIN     March 29, 2000
--------------------------------         -------------------
         Thomas H. Kean                    Ernest D. Stein
           Director                       Attorney-In-Fact


          PAUL MORTON*
--------------------------------
          Paul Morton
           Director

        TAKATSUGU MURAI*
--------------------------------
        Takatsugu Murai
           Director

       WILLIAM M. O'GRADY*
--------------------------------
       William M. O'Grady
           Director

     JOSEPH A. POLLICINO*
--------------------------------
      Joseph A. Pollicino
           Director

         PAUL N. ROTH*
--------------------------------
         Paul N. Roth
           Director

        PETER J. TOBIN*
--------------------------------
        Peter J. Tobin
           Director

          KEIJI TORII*
--------------------------------
          Keiji Torii
           Director

     THEODORE V. WELLS, JR.*
--------------------------------
     Theodore V. Wells, Jr.
           Director

        ALAN F. WHITE*
--------------------------------
         Alan F. White
           Director


    /s/ JOSEPH M. LEONE                                           March 29, 2000
--------------------------------
       Joseph M. Leone
  Executive Vice President and
     Chief Financial Officer
 (principal accounting officer)



      Original powers of attorney  authorizing Albert R. Gamper,  Jr., Ernest D.
Stein,  and  James  P.  Shanahan  and  each of them  to  sign on  behalf  of the
above-mentioned  directors  are  held  by  the  Corporation  and  available  for
examination by the Securities and Exchange Commission pursuant to Item 302(b) of
Regulation S-T.


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<PAGE>

                                 EXHIBIT INDEX

Exhibit No.              Description
-----------              -----------
    24                   Powers of Attorney


                                       2