Capital One Financial Corporation is a diversified bank holding company headquartered in McLean, Virginia. It specializes in a wide range of consumer and commercial banking products and services, with operations spanning the United States, the United Kingdom and Canada. The company operates through its subsidiaries, including Capital One, N.A., and Capital One Bank (USA), N.A., offering both online and branch-based banking platforms to millions of customers.
At the core of Capital One’s business are credit card lending, auto finance, and retail banking services. Its credit card portfolio includes products tailored to consumers, small businesses and secured-card customers, featuring rewards programs and promotional financing options. In its auto finance division, the company provides vehicle loans and leases through dealerships and direct-to-consumer channels. Capital One’s retail banking offerings encompass checking and savings accounts, certificates of deposit, home loans and commercial real estate financing, supported by a growing network of physical branches and cafés as well as mobile and digital banking solutions.
Founded in 1994 by Richard D. Fairbank and Nigel Morris through a spin-off from Signet Banking Corp., Capital One has expanded rapidly through a combination of data-driven marketing strategies and strategic acquisitions. Today, Richard D. Fairbank serves as chairman and chief executive officer, guiding the company’s focus on technology innovation and customer experience. Capital One continues to invest in digital infrastructure, risk management and community initiatives, aiming to deliver convenient financial services while maintaining prudent credit standards.
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