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  <xsd:element abstract="true" id="cof_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_DomesticEquitySecuritiesMember" name="DomesticEquitySecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_EffectiveincometaxratereconciliationImpactoftheTaxAct" name="EffectiveincometaxratereconciliationImpactoftheTaxAct" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_EquityinundistributedNetIncomeincludingDiscontinuedOps" name="EquityinundistributedNetIncomeincludingDiscontinuedOps" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FHFALitigationMember" name="FHFALitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FHLBAdvanceCapitalLeaseObligationandGPMHMember" name="FHLBAdvanceCapitalLeaseObligationandGPMHMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FHLBAdvanceandCapitalLeaseObligationMember" name="FHLBAdvanceandCapitalLeaseObligationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairValueAssetsMeasuredOnNonRecurringBasisGainLossIncludedInEarningsTableTextBlock" name="FairValueAssetsMeasuredOnNonRecurringBasisGainLossIncludedInEarningsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FairValueHedgingandFreeStandingDerivativesMember" name="FairValueHedgingandFreeStandingDerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairValueInputsInterestRateCorrelation" name="FairValueInputsInterestRateCorrelation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairValueInputsLifeofReceivables" name="FairValueInputsLifeofReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairValueInputsNonRecoverableRate" name="FairValueInputsNonRecoverableRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_FairValueInputsOptionAdjustedSpreadRate" name="FairValueInputsOptionAdjustedSpreadRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairValueInputsSwapRate" name="FairValueInputsSwapRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairValueInputsTotalPrepaymentRate" name="FairValueInputsTotalPrepaymentRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FairvalueInputsServicingCostPerLoan" name="FairvalueInputsServicingCostPerLoan" nillable="true" substitutionGroup="xbrli:item" type="us-types:perUnitItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinanceChargeAndFeesReserves" name="FinanceChargeAndFeesReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_FinancingReceivableAllowanceforCreditLossesPercentageofHeldforInvestmentLoans" name="FinancingReceivableAllowanceforCreditLossesPercentageofHeldforInvestmentLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_FinancingReceivableModificationsAverageRateReduction" name="FinancingReceivableModificationsAverageRateReduction" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinancingReceivableModificationsAverageTermExtension" name="FinancingReceivableModificationsAverageTermExtension" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinancingReceivableModificationsPercentageofTroubledDebtRestructuringActivity" name="FinancingReceivableModificationsPercentageofTroubledDebtRestructuringActivity" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinancingReceivablePercent90DaysPastDueandStillAccruing" name="FinancingReceivablePercent90DaysPastDueandStillAccruing" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinancingReceivablePercentCurrent" name="FinancingReceivablePercentCurrent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinancingReceivablePercentageofTotalLoan" name="FinancingReceivablePercentageofTotalLoan" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FinancingReceivableRecordedInvestmentAgingPercentofTotalLoanAbstract" name="FinancingReceivableRecordedInvestmentAgingPercentofTotalLoanAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FixedUnsecuredSeniorDebtMember" name="FixedUnsecuredSeniorDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FixedUnsecuredSubordinatedDebtMember" name="FixedUnsecuredSubordinatedDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FloatingUnsecuredSeniorDebtMember" name="FloatingUnsecuredSeniorDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ForeignEquitySecuritiesMember" name="ForeignEquitySecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FurnitureAndEquipmentMember" name="FurnitureAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GPMHMember" name="GPMHMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_GainLossOnFairValueAssetsRecognizedInEarnings" name="GainLossOnFairValueAssetsRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings" name="GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_GainLossOnFairValueLoansHeldForSaleRecognizedInEarnings" name="GainLossOnFairValueLoansHeldForSaleRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_GainLossOnFairValueOtherAssetsRecognizedInEarnings" name="GainLossOnFairValueOtherAssetsRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GpmHelocsMember" name="GpmHelocsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GpmMfhMember" name="GpmMfhMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GreenPointSubsidiaryMember" name="GreenPointSubsidiaryMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GrossTaxInterestAndPenaltiesMember" name="GrossTaxInterestAndPenaltiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GrossUnrealizedLossesonAvailableforsaleSecuritiesMember" name="GrossUnrealizedLossesonAvailableforsaleSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_GrossUnrecognizedTaxBenefitsMember" name="GrossUnrecognizedTaxBenefitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HeldForInvestmentLoansByImpairmentMethodologyAbstract" name="HeldForInvestmentLoansByImpairmentMethodologyAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_HeldToMaturitySecuritiesDebtMaturitiesWeightedAverageYield" name="HeldToMaturitySecuritiesDebtMaturitiesWeightedAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsWeightedAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsWeightedAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenWeightedAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenWeightedAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveWeightedAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveWeightedAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_HeldtomaturitySecuritiesDebtMaturitiesRollingafterTenYearsWeightedAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesRollingafterTenYearsWeightedAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_HeldtomaturitySecuritiesDebtMaturitiesWeightedaverageExpectedLife" name="HeldtomaturitySecuritiesDebtMaturitiesWeightedaverageExpectedLife" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HeldtomaturitySecuritiesExpectedDebtMaturitiesFairValueRollingMaturityAbstract" name="HeldtomaturitySecuritiesExpectedDebtMaturitiesFairValueRollingMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HeldtomaturitySecuritiesExpectedDebtMaturitiesNetCarryingAmountAbstract" name="HeldtomaturitySecuritiesExpectedDebtMaturitiesNetCarryingAmountAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HeldtomaturitySecuritiesExpectedDebtMaturitiesWeightedAverageYieldAbstract" name="HeldtomaturitySecuritiesExpectedDebtMaturitiesWeightedAverageYieldAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HomeLoansReceivableMember" name="HomeLoansReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ImpairedFinancingReceivableRecordedInvestmentNetofRelatedAllowance" name="ImpairedFinancingReceivableRecordedInvestmentNetofRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_IncomeLossfromContinuingOperationsbeforeEquityinUndistributedEarningsofSubsidiaries" name="IncomeLossfromContinuingOperationsbeforeEquityinUndistributedEarningsofSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_IncomeTaxEffectsAllocatedDirectlytoEquityForeignCurrencyTranslationGainLoss" name="IncomeTaxEffectsAllocatedDirectlytoEquityForeignCurrencyTranslationGainLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_Incomelossfromsubsidiaryincludingdiscontinuedoperationsnetoftax" name="Incomelossfromsubsidiaryincludingdiscontinuedoperationsnetoftax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_IncreaseDecreaseinBorrowingsFromSubsidiaries" name="IncreaseDecreaseinBorrowingsFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_IncreaseDecreaseinInvestmentinSubsidiaries" name="IncreaseDecreaseinInvestmentinSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_IncreaseDecreaseinLoanstoSubsidiaries" name="IncreaseDecreaseinLoanstoSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_IntangibleAssetsGrossIncludingGoodwill" name="IntangibleAssetsGrossIncludingGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_IntangibleAssetsbyMajorClassAxis" name="IntangibleAssetsbyMajorClassAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_IntangibleAssetsbyMajorClassDomain" name="IntangibleAssetsbyMajorClassDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_InterchangeFeesNet" name="InterchangeFeesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterchangeLitigationMember" name="InterchangeLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_InterestExpenseOtherBorrowings" name="InterestExpenseOtherBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_InterestExpenseSecuredDebt" name="InterestExpenseSecuredDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_InterestExpenseUnsecuredDebt" name="InterestExpenseUnsecuredDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterestIncomeExpenseMember" name="InterestIncomeExpenseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_InterestRateTypeConcentrationRiskMember" name="InterestRateTypeConcentrationRiskMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_InternalRiskRatingConcentrationRiskMember" name="InternalRiskRatingConcentrationRiskMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InvestmentCompaniesProvidingCapitaltoLowIncomeandRuralCommunitiesMember" name="InvestmentCompaniesProvidingCapitaltoLowIncomeandRuralCommunitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InvestmentSecuritiesPortfolioMember" name="InvestmentSecuritiesPortfolioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_InvestmentsinSubsidiaries" name="InvestmentsinSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_Letterofcreditissuedcontractualamountandunusedcommitmenttoextendcredit" name="Letterofcreditissuedcontractualamountandunusedcommitmenttoextendcredit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_LienTypeConcentrationRiskMember" name="LienTypeConcentrationRiskMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationNumberofContractsBreached" name="LitigationNumberofContractsBreached" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationNumberofMortgageLoansSoldtoThirdPartyUnderLitigation" name="LitigationNumberofMortgageLoansSoldtoThirdPartyUnderLitigation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationNumberofResidentialMortgageBackedSecuritiesTrusts" name="LitigationNumberofResidentialMortgageBackedSecuritiesTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationNumberofSummonsFiled" name="LitigationNumberofSummonsFiled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationSettlementAmountAttributabletoReportingEntityandThirdParty" name="LitigationSettlementAmountAttributabletoReportingEntityandThirdParty" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationSettlementAttributabletoReportingEntityandThirdPartyPercentofTransactions" name="LitigationSettlementAttributabletoReportingEntityandThirdPartyPercentofTransactions" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LitigationSettlementAttributabletoReportingEntityandThirdPartyPeriodofPaymentofSettlement" name="LitigationSettlementAttributabletoReportingEntityandThirdPartyPeriodofPaymentofSettlement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod" name="LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_LoanOriginationYear2017Member" name="LoanOriginationYear2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LoanReceivableNonaccrualPercentPastDueExcludingAcquiredLoans" name="LoanReceivableNonaccrualPercentPastDueExcludingAcquiredLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_LoansHeldForInvestmentMember" name="LoansHeldForInvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LoansSoldPercentRetainedServicing" name="LoansSoldPercentRetainedServicing" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LoansandLeasesReceivableMinimumIndividualLoanBalanceRequiringAnnualReview" name="LoansandLeasesReceivableMinimumIndividualLoanBalanceRequiringAnnualReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_LoansandLeasesReceivableMinimumIndividualLoanBalanceRequiringQuarterlyReview" name="LoansandLeasesReceivableMinimumIndividualLoanBalanceRequiringQuarterlyReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_Loansheldforsaleacquiredbyassumingotherborrowings" name="Loansheldforsaleacquiredbyassumingotherborrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_LongtermandShorttermDebtTypeAxis" name="LongtermandShorttermDebtTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_LongtermandShorttermDebtTypeDomain" name="LongtermandShorttermDebtTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_LossSharingAgreementMember" name="LossSharingAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LossSharingAgreementsLoansandLeasesReceivableAllowanceCoveredExpectedReimbursement" name="LossSharingAgreementsLoansandLeasesReceivableAllowanceCoveredExpectedReimbursement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_LosscontingincyrelatedtolitigationmattersPolicyTextBlock" name="LosscontingincyrelatedtolitigationmattersPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_MaximumTermForLoanModificationUnderFixedPaymentPlans" name="MaximumTermForLoanModificationUnderFixedPaymentPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_MergersAcquisitionsRestructuringandDispositionsDisclosuresAbstract" name="MergersAcquisitionsRestructuringandDispositionsDisclosuresAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_MergersAcquisitionsRestructuringandDispositionsDisclosuresTextBlock" name="MergersAcquisitionsRestructuringandDispositionsDisclosuresTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_MidAtlanticMember" name="MidAtlanticMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_MortgageLoansonRealEstateSoldtoThirdPartyFaceAmountUnderLitigation" name="MortgageLoansonRealEstateSoldtoThirdPartyFaceAmountUnderLitigation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element id="cof_NumberofActiveStockPlans" name="NumberofActiveStockPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_NumberofComponentsUsedtoDevelopAllowanceforLoanandLeaseLosses" name="NumberofComponentsUsedtoDevelopAllowanceforLoanandLeaseLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
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  <xsd:element id="cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" name="OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element id="cof_PartnershipAgreementInitialTerm" name="PartnershipAgreementInitialTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_PercentageAnnualizedNetChargeOffsbyAverageLoansHeldforInvestment" name="PercentageAnnualizedNetChargeOffsbyAverageLoansHeldforInvestment" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_PercentageofCompanysmatchonAssociateStockPurchasePlancontributions" name="PercentageofCompanysmatchonAssociateStockPurchasePlancontributions" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_PreferredStockDepositarySharesIssued" name="PreferredStockDepositarySharesIssued" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_PreferredStockFinancingActivitiesAbstract" name="PreferredStockFinancingActivitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_PrivilegesRevokedMember" name="PrivilegesRevokedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ProceedsfromIssuanceofUnsecuredDebtandLongTermFHLBAdvancesNetofIssuanceCost" name="ProceedsfromIssuanceofUnsecuredDebtandLongTermFHLBAdvancesNetofIssuanceCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element id="cof_PropertyPlantEquipmentandOperatingLeaseCommitmentsDisclosureTextBlock" name="PropertyPlantEquipmentandOperatingLeaseCommitmentsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_QualitativeandQuantitativeInformationTransferorsContinuingInvolvementArrangementsofFinancialSupportCumulativeAmountAdvanced" name="QualitativeandQuantitativeInformationTransferorsContinuingInvolvementArrangementsofFinancialSupportCumulativeAmountAdvanced" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_QualitativeandQuantitativeInformationTransferorsContinuingInvolvementArrangementsofFinancialSupportLettersofCredit" name="QualitativeandQuantitativeInformationTransferorsContinuingInvolvementArrangementsofFinancialSupportLettersofCredit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_QualitativeandQuantitativeInformationTransferorsContinuingInvolvementArrangementsofFinancialSupportUnfundedCommitmentOnResidualInterestsOnTrusts" name="QualitativeandQuantitativeInformationTransferorsContinuingInvolvementArrangementsofFinancialSupportUnfundedCommitmentOnResidualInterestsOnTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_ReceivablesExcludingReceivablesAcquiredWithDeterioratedCreditQualityMember" name="ReceivablesExcludingReceivablesAcquiredWithDeterioratedCreditQualityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ReceivablesFromSubsidiaries" name="ReceivablesFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" name="RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_RepresentationandWarrantyLiabilityMember" name="RepresentationandWarrantyLiabilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_RepurchaseAgreementCollateralRightToReclaimCashOffset" name="RepurchaseAgreementCollateralRightToReclaimCashOffset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_RestrictedCashandCashEquivalentsFairvalueDisclosure" name="RestrictedCashandCashEquivalentsFairvalueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_RestrictedEquityInvestmentsPolicyTextBlock" name="RestrictedEquityInvestmentsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_RetailBankingMember" name="RetailBankingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesLineItems" name="ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_ScheduleofAssumptionsUsedandHealthCareCostTrendRatesTableTextBlock" name="ScheduleofAssumptionsUsedandHealthCareCostTrendRatesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ScheduleofDepositsandBorrowingsMaturitiesTable" name="ScheduleofDepositsandBorrowingsMaturitiesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ScheduleofIntangibleAssetsbyMajorClassLineItems" name="ScheduleofIntangibleAssetsbyMajorClassLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_ScheduleofLosssharingarrangementimpactTableTextBlock" name="ScheduleofLosssharingarrangementimpactTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ScheduleofMaturitiesofTimeDepositswithContractualMaturityDateShortTermDebtandLongtermDebtTableTextBlock" name="ScheduleofMaturitiesofTimeDepositswithContractualMaturityDateShortTermDebtandLongtermDebtTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ScheduleofNetChargeOffsandNonperformingLoansTableTextBlock" name="ScheduleofNetChargeOffsandNonperformingLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ScheduleoffinitelivedintangibleassetsAmortizationExpensesandFutureAmortizationExpenseTableTextBlock" name="ScheduleoffinitelivedintangibleassetsAmortizationExpensesandFutureAmortizationExpenseTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ScheduleofletterofcreditandotherloancommitmentsTableTextBlock" name="ScheduleofletterofcreditandotherloancommitmentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_SchedulesofConcentrationofRiskbyRiskFactorIncludingDelinquencyandPerformingStatusTableTextBlock" name="SchedulesofConcentrationofRiskbyRiskFactorIncludingDelinquencyandPerformingStatusTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_SecuredDebtFairValueDisclosure" name="SecuredDebtFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_SecuritizationRelatedVariableInterestEntitiesMember" name="SecuritizationRelatedVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SeniorAndSubordinatedNotesMember" name="SeniorAndSubordinatedNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ServiceChargesandOtherCustomerRelatedFees" name="ServiceChargesandOtherCustomerRelatedFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_ServicingAssetGross" name="ServicingAssetGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_ServicingAssetatAmortizedCostAccumulatedAmortization" name="ServicingAssetatAmortizedCostAccumulatedAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumEmployeeSubscriptionRate" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumEmployeeSubscriptionRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_SharebasedCompensationArrangementbySharebasedPaymentAwardNumberofCommonStockTradingDaysPrecedingtheVestingDate" name="SharebasedCompensationArrangementbySharebasedPaymentAwardNumberofCommonStockTradingDaysPrecedingtheVestingDate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_SharebasedCompensationArrangementbySharebasedPaymentAwardPercentageofTargetNumberofCommonSharesGranted" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPercentageofTargetNumberofCommonSharesGranted" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_SharebasedCompensationArrangementbySharebasedPaymentAwardPerformancePeriod" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPerformancePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_SharebasedCompensationArrangementbySharebasedPaymentAwardPotentialAnnualReductioninVestingBasedonPerformancePercentage" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPotentialAnnualReductioninVestingBasedonPerformancePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_SharebasedCompensationPerformanceSharesandPerformanceUnitsAwardUnvestedActivityTableTextBlock" name="SharebasedCompensationPerformanceSharesandPerformanceUnitsAwardUnvestedActivityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_Shorttermdebtmaturitiesnext12months" name="Shorttermdebtmaturitiesnext12months" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_SmallBusinessBankingLoansMember" name="SmallBusinessBankingLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SmallTicketRealEstateMember" name="SmallTicketRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SouthMember" name="SouthMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_StockIncentivePlan2004Member" name="StockIncentivePlan2004Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_StockIssuedDuringPeriodSharesStockOptionsandWarrantsExercisedandRestrictedStockVesting" name="StockIssuedDuringPeriodSharesStockOptionsandWarrantsExercisedandRestrictedStockVesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
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  <xsd:element id="cof_TaxCutsandJobsActof2017IncompleteAccountingUndistributedAccumulatedEarningsofForeignSubsidiaryProvisionalUnrecognizedDeferredTaxLiability" name="TaxCutsandJobsActof2017IncompleteAccountingUndistributedAccumulatedEarningsofForeignSubsidiaryProvisionalUnrecognizedDeferredTaxLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TaxCutsandJobsActof2017ReclassificationfromAOCItoRetainedEarningsTaxEffect" name="TaxCutsandJobsActof2017ReclassificationfromAOCItoRetainedEarningsTaxEffect" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_ThresholdPeriodFollowingBankruptcyNoticeforWriteoffofFinancingReceivable" name="ThresholdPeriodFollowingBankruptcyNoticeforWriteoffofFinancingReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ThresholdPeriodPastDueforDelinquencyStatusofFinancingReceivables" name="ThresholdPeriodPastDueforDelinquencyStatusofFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ThresholdPeriodPastDueforEnteringForeclosureProcessStatusofFinancingReceivables" name="ThresholdPeriodPastDueforEnteringForeclosureProcessStatusofFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ThresholdPeriodPastDueforNonperformingStatusofFinancingReceivables" name="ThresholdPeriodPastDueforNonperformingStatusofFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ThresholdPeriodofConsecutivePaymentstoRemovefromNonaccrualStatus" name="ThresholdPeriodofConsecutivePaymentstoRemovefromNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_TierOneCommonCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" name="TierOneCommonCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandDebtLongtermandShorttermCombinedAmount" name="TimeDepositsMaturitiesWithContractualMaturityDatesandDebtLongtermandShorttermCombinedAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element id="cof_UncollectiblePortionofBilledFinanceChargesandFees" name="UncollectiblePortionofBilledFinanceChargesandFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_UnrealizedLossesRecordedInAOCIOnHeldToMaturitySecurities" name="UnrealizedLossesRecordedInAOCIOnHeldToMaturitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_UnsecuredDebtFairValueDisclosure" name="UnsecuredDebtFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="cof_VariableInterestEntitiesandSecuritizationAbstract" name="VariableInterestEntitiesandSecuritizationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_VariableInterestEntitiesnonconsolidatedCarryingamountofAssetsincludedincertaininvestmentstructures" name="VariableInterestEntitiesnonconsolidatedCarryingamountofAssetsincludedincertaininvestmentstructures" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_VariableInterestEntitiesnonconsolidatedCarryingamountofliabilitiesincludedincertaininvestmentstructures" name="VariableInterestEntitiesnonconsolidatedCarryingamountofliabilitiesincludedincertaininvestmentstructures" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_VariableInterestEntityNonconsolidatedTotalAssets" name="VariableInterestEntityNonconsolidatedTotalAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_WholesaleMortgageBankingUnitMember" name="WholesaleMortgageBankingUnitMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>
