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Capital One Financial Corporation is a bank holding company specializing in credit cards, home loans, auto loans, banking and savings products. Capital One operates three divisions: credit cards, consumer banking, and commercial banking. The Company issues credit cards in the United States, Canada, and the United Kingdom. Its consumer banking segment offers banking services, including checking accounts, savings accounts, and money market accounts. In addition, it operates CapitalOne 360, a direct bank. The Company's commercial banking segment provides lending, deposit gathering and treasury management services to commercial real estate and commercial and industrial customers.