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  <xsd:element id="cof_CertainLoansAcquiredinTransferAccountedforasDebtSecuritiesOutstandingContractualBalanceandCarryingValueTableTextBlock" name="CertainLoansAcquiredinTransferAccountedforasDebtSecuritiesOutstandingContractualBalanceandCarryingValueTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_CffBalanceSheetLendingCommitmentCarryingValue" name="CffBalanceSheetLendingCommitmentCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_ChapterSevenBankruptcyMember" name="ChapterSevenBankruptcyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ClassofSecuritiesAxis" name="ClassofSecuritiesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CombinedAllowanceAndUnfundedReserveMember" name="CombinedAllowanceAndUnfundedReserveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CommercialAndMultifamilyRealEstateMember" name="CommercialAndMultifamilyRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CommercialBankingMember" name="CommercialBankingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CommercialLendingMember" name="CommercialLendingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CommercialMortgageBackedSecuritiesAgencyMember" name="CommercialMortgageBackedSecuritiesAgencyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CommercialMultifamilyRealEstateMember" name="CommercialMultifamilyRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_CommonEquityTierOneCapitaltoRiskWeightedAssets" name="CommonEquityTierOneCapitaltoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_CommonStockFinancingActivitiesAbstract" name="CommonStockFinancingActivitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ConsumerBankingMember" name="ConsumerBankingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsCashBalanceinSpreadandReserveAccounts" name="ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsCashBalanceinSpreadandReserveAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsLiabilitiesIncurred" name="ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsLiabilitiesIncurred" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_ContinuingInvolvementwithDerecognizedTransferredFinancialAssetsCashBalanceofReserveorSpreadAccounts" name="ContinuingInvolvementwithDerecognizedTransferredFinancialAssetsCashBalanceofReserveorSpreadAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_ContinuingInvolvementwithDerecognizedTransferredFinancialAssetsLiabilitiesIncurred" name="ContinuingInvolvementwithDerecognizedTransferredFinancialAssetsLiabilitiesIncurred" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_CreditCardPortfolioSegmentMember" name="CreditCardPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_CustomerAccommodationMember" name="CustomerAccommodationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_CustomerLoyaltyProgramLiability" name="CustomerLoyaltyProgramLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_CustomerNetRevenueRange" name="CustomerNetRevenueRange" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_CustomerRewardExpenses" name="CustomerRewardExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_CustomerRewardsReservePolicyTextBlock" name="CustomerRewardsReservePolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_DebtExcludingSecuredDebt" name="DebtExcludingSecuredDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_DebtLongtermandShorttermCombinedAmountFiscalYearMaturityAbstract" name="DebtLongtermandShorttermCombinedAmountFiscalYearMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_DebtMaturitiesAvailableforSaleWeightedAverageExpectedLife" name="DebtMaturitiesAvailableforSaleWeightedAverageExpectedLife" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_DebtSecuritiesAvailableForSaleWeightedAverageYield" name="DebtSecuritiesAvailableForSaleWeightedAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_DebtandDepositLiabilitiesDisclosuresTextBlock" name="DebtandDepositLiabilitiesDisclosuresTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_DeferredTaxAssetsLeaseLiabilities" name="DeferredTaxAssetsLeaseLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxAssetsOperatingLossCarryforwardsandTaxCreditCarryforward" name="DeferredTaxAssetsOperatingLossCarryforwardsandTaxCreditCarryforward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxAssetsPartnershipInvestments" name="DeferredTaxAssetsPartnershipInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxAssetsRewardsPrograms" name="DeferredTaxAssetsRewardsPrograms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxAssetsSecurityandLoanValuations" name="DeferredTaxAssetsSecurityandLoanValuations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxLiabilitiesDerivativeInstruments" name="DeferredTaxLiabilitiesDerivativeInstruments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxLiabilitiesOriginalIssueDiscount" name="DeferredTaxLiabilitiesOriginalIssueDiscount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxLiabilitiesRightofUseAssets" name="DeferredTaxLiabilitiesRightofUseAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxLiabilitiesSecurityandLoanValuations" name="DeferredTaxLiabilitiesSecurityandLoanValuations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DeferredTaxliabilitiesPartnershipInvestments" name="DeferredTaxliabilitiesPartnershipInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_Deferredtaxliabilitiesloanfeesandexpenses" name="Deferredtaxliabilitiesloanfeesandexpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DefinedBenefitPlanExpectedFutureBenefitPaymentNext10Years" name="DefinedBenefitPlanExpectedFutureBenefitPaymentNext10Years" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DefinedContributionPlanAgeEligibletoParticipate" name="DefinedContributionPlanAgeEligibletoParticipate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_DepositorySharePercentInterestinPreferredStock" name="DepositorySharePercentInterestinPreferredStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_DepositsandBorrowingsAbstract" name="DepositsandBorrowingsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_DepositsandBorrowingsMaturitiesLineItems" name="DepositsandBorrowingsMaturitiesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_DepositswithDefinedMaturities" name="DepositswithDefinedMaturities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities" name="DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_DividendBasisSpreadOnVariableRate" name="DividendBasisSpreadOnVariableRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_DividendsfromSubsidiaries" name="DividendsfromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_EffectiveIncomeTaxRateReconciliationIRSMethodChangesPercent" name="EffectiveIncomeTaxRateReconciliationIRSMethodChangesPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" 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_EquityInUndistributedNetIncomeLossIncludingDiscontinuedOperations" name="EquityInUndistributedNetIncomeLossIncludingDiscontinuedOperations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_EquitySecuritiesFairValueDisclosure" name="EquitySecuritiesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <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_FICOScore620OrBelowMember" name="FICOScore620OrBelowMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FICOScore621To660Member" name="FICOScore621To660Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FICOScoreGreaterThan660Member" name="FICOScoreGreaterThan660Member" 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 id="cof_FairValueAssetsMeasureonRecurringBasisUnrealizedGainLossinOCI" name="FairValueAssetsMeasureonRecurringBasisUnrealizedGainLossinOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FederalHomeLoanbanksMember" name="FederalHomeLoanbanksMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_FederalReserveDiscountWindowMember" name="FederalReserveDiscountWindowMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_FinanceChargeAndFeesReserve" name="FinanceChargeAndFeesReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_FinanceLeaseCost" name="FinanceLeaseCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <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="instant" />
  <xsd:element id="cof_FinancingReceivablePercentCurrent" name="FinancingReceivablePercentCurrent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_FinancingReceivablePercentageofTotalLoan" name="FinancingReceivablePercentageofTotalLoan" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <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 id="cof_ForeclosedPropertyandRepossessedAssetsFairValueDisclosure" name="ForeclosedPropertyandRepossessedAssetsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_FurnitureAndEquipmentMember" name="FurnitureAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_GainLossOnCashFlowHedgesRecognizedInEarnings" name="GainLossOnCashFlowHedgesRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_GainLossOnFairValueOtherAssetsRecognizedInEarnings" name="GainLossOnFairValueOtherAssetsRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_GainorLossonFairValueHedgesRecognizedinNetInterestIncome" name="GainorLossonFairValueHedgesRecognizedinNetInterestIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_GrossUnrecognizedTaxBenefitsMember" name="GrossUnrecognizedTaxBenefitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_HedgedIteminFairValueHedgingRelationshipTableTextBlock" name="HedgedIteminFairValueHedgingRelationshipTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HedgedItemsInFairValueHedgingRelationshipLineItems" name="HedgedItemsInFairValueHedgingRelationshipLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_HedgedItemsInFairValueHedgingRelationshipTable" name="HedgedItemsInFairValueHedgingRelationshipTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_HedgedLOLAAssetsCumulativeBasisAdjustment" name="HedgedLOLAAssetsCumulativeBasisAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_HeldForInvestmentLoansByImpairmentMethodologyAbstract" name="HeldForInvestmentLoansByImpairmentMethodologyAbstract" 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_IRSMethodChangesProvisionIncomeTaxBenefit" name="IRSMethodChangesProvisionIncomeTaxBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_Incomelossfromsubsidiaryincludingdiscontinuedoperationsnetoftax" name="Incomelossfromsubsidiaryincludingdiscontinuedoperationsnetoftax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_IncreaseDecreaseInBorrowingsFromSubsidiariesNonCash" name="IncreaseDecreaseInBorrowingsFromSubsidiariesNonCash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_IncreaseDecreaseInInvestmentInSubsidiariesNonCash" name="IncreaseDecreaseInInvestmentInSubsidiariesNonCash" 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 abstract="true" id="cof_InterchangeFeesContractsMember" name="InterchangeFeesContractsMember" 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 id="cof_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_InterestexpenseDepositsMember" name="InterestexpenseDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterestexpenseSecuritizedDebtObligationMember" name="InterestexpenseSecuritizedDebtObligationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterestexpenseSeniorandSubordinatedDebtMember" name="InterestexpenseSeniorandSubordinatedDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterestincomeInvestmentsecuritiesMember" name="InterestincomeInvestmentsecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterestincomeLoansMember" name="InterestincomeLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_InterestincomeOtherMember" name="InterestincomeOtherMember" 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_IssuanceCostForPreferredStockRedeemed" name="IssuanceCostForPreferredStockRedeemed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_LetterofCreditIssuedContractualAmountandUnusedCommitmenttoExtendCredit" name="LetterofCreditIssuedContractualAmountandUnusedCommitmenttoExtendCredit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod" name="LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_LoansHeldforInvestmentMeasurementInput" name="LoansHeldforInvestmentMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_Loansheldforsaleacquiredbyassumingotherborrowings" name="Loansheldforsaleacquiredbyassumingotherborrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_LossContingencyRelatedtoLitigationMattersPolicyTextBlock" name="LossContingencyRelatedtoLitigationMattersPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" 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 abstract="true" id="cof_MeasurementInputLifeofReceivablesMember" name="MeasurementInputLifeofReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_MeasurementInputSwapRatesMember" name="MeasurementInputSwapRatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_MeasurementInputYieldMember" name="MeasurementInputYieldMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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 id="cof_MinimumCapitalAdequacyforSupplementaryLeverageRatio" name="MinimumCapitalAdequacyforSupplementaryLeverageRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_MortgageServicingAssetatAmortizedCostGross" name="MortgageServicingAssetatAmortizedCostGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_NetDerivativeAssetsLiabilitiesMember" name="NetDerivativeAssetsLiabilitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_NetDerivativeGainlossesRecognizedinEarnings" name="NetDerivativeGainlossesRecognizedinEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_NonInterestIncomeOtherMember" name="NonInterestIncomeOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_NonRecoverableRateMember" name="NonRecoverableRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_NoninterestIncomeExcludingRevenuefromContractwithCustomer" name="NoninterestIncomeExcludingRevenuefromContractwithCustomer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_NonsecuritizationRelatedVariableInterestEntitiesMember" name="NonsecuritizationRelatedVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_NotificationofDeathMember" name="NotificationofDeathMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_NumberofActiveStockPlans" name="NumberofActiveStockPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_NumberofConsumerClassActionCasesFiledforCybersecurityIncident" name="NumberofConsumerClassActionCasesFiledforCybersecurityIncident" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_OperatingLossCarryforwardsNotSubjectToExpiration" name="OperatingLossCarryforwardsNotSubjectToExpiration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_OtherAssetsFairValueDisclosureAbstract" name="OtherAssetsFairValueDisclosureAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherBorrowingsFairValueDisclosure" name="OtherBorrowingsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" name="OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent" name="OtherComprehensiveIncomeLossOtherTaxAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentBeforeTaxPortionAttributableToParent" name="OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentBeforeTaxPortionAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentNetOfTaxPortionAttributableToParent" name="OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentNetOfTaxPortionAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentTaxPortionAttributableToParent" name="OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentTaxPortionAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossTransferofSecuritiesHeldtoMaturityBeforeTax" name="OtherComprehensiveIncomeLossTransferofSecuritiesHeldtoMaturityBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_OtherComprehensiveIncomeLossTransferofSecuritiesHeldtoMaturityNetofTax" name="OtherComprehensiveIncomeLossTransferofSecuritiesHeldtoMaturityNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" name="OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherConsumerLoansMember" name="OtherConsumerLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherContractRevenueMember" name="OtherContractRevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherDebtAbstract" name="OtherDebtAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherInterestRateExposuresMember" name="OtherInterestRateExposuresMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherNonInterestIncomeMember" name="OtherNonInterestIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherPortfolioSegmentsExcludingCreditCardMember" name="OtherPortfolioSegmentsExcludingCreditCardMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_OtherborrowingsMember" name="OtherborrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherthanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditrelated" name="OtherthanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditrelated" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_OtherthanTemporaryImpairmentLossesDebtSecuritiesAvailableforsaleIntenttoSell" name="OtherthanTemporaryImpairmentLossesDebtSecuritiesAvailableforsaleIntenttoSell" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic" name="ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_PartnershipAgreementInitialTerm" name="PartnershipAgreementInitialTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_PaymentsForRedemptionOfPreferredStock" name="PaymentsForRedemptionOfPreferredStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_PerformanceShareUnitsMember" name="PerformanceShareUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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" />
  <xsd:element id="cof_Proceedsfromissuanceofseniornotesandsubnotes" name="Proceedsfromissuanceofseniornotesandsubnotes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cof_PropertyPlantEquipmentandOperatingLeaseCommitmentsDisclosureTextBlock" name="PropertyPlantEquipmentandOperatingLeaseCommitmentsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_PropertyPlantandEquipmentandLeaseCommitmentsAbstract" name="PropertyPlantandEquipmentandLeaseCommitmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_RealizedGainsonForeignExchangeContractsReclassifiedfromAOCI" name="RealizedGainsonForeignExchangeContractsReclassifiedfromAOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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 id="cof_RepurchaseAgreementCollateralRightToReclaimCashOffset" name="RepurchaseAgreementCollateralRightToReclaimCashOffset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_ResidentialMortgageBackedSecuritiesAgencyMember" name="ResidentialMortgageBackedSecuritiesAgencyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ResidentialMortgageBackedSecuritiesNonagencyMember" name="ResidentialMortgageBackedSecuritiesNonagencyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ResidentialMortgageLoansAndCommercialMultifamilyRealEstateLoansMember" name="ResidentialMortgageLoansAndCommercialMultifamilyRealEstateLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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 id="cof_RetainedInterestMeasurementInput" name="RetainedInterestMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="cof_RetainedInterestMeasurementInputLifeOfReceivables" name="RetainedInterestMeasurementInputLifeOfReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_RevenueChangeDueToImpactOfFederalTaxRateAndMeasurementChange" name="RevenueChangeDueToImpactOfFederalTaxRateAndMeasurementChange" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_RightOfUseAssetsRecognizedUponAdoptionOfNewLeaseStandard" name="RightOfUseAssetsRecognizedUponAdoptionOfNewLeaseStandard" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesLineItems" name="ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesTable" name="ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ScheduleOfShareBasedCompensationRestrictedStockUnitsAndPerformanceShareUnitsActivityTableTextBlock" name="ScheduleOfShareBasedCompensationRestrictedStockUnitsAndPerformanceShareUnitsActivityTableTextBlock" 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" />
  <xsd:element abstract="true" id="cof_ScheduleofIntangibleAssetsbyMajorClassTable" name="ScheduleofIntangibleAssetsbyMajorClassTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" 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_ScheduleofLossSharingArrangementImpactTableTextBlock" name="ScheduleofLossSharingArrangementImpactTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_ScheduleoffinitelivedintangibleassetsamortizationexpenseandfutureamortizationexpenseTableTextBlock" name="ScheduleoffinitelivedintangibleassetsamortizationexpenseandfutureamortizationexpenseTableTextBlock" 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_SecuritizedDebtObligationsMember" name="SecuritizedDebtObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SecurityClassDomain" name="SecurityClassDomain" 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 abstract="true" id="cof_SeniorNotesDue2024Member" name="SeniorNotesDue2024Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SeniorNotesDue2029Member" name="SeniorNotesDue2029Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SeriesJPreferredStockMember" name="SeriesJPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_ServiceChargesAndOtherCustomerFeesContractsMember" name="ServiceChargesAndOtherCustomerFeesContractsMember" 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_ServicingAssetatAmortizedCostAccumulatedAmortization" name="ServicingAssetatAmortizedCostAccumulatedAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_SharebasedCompensationArrangementbySharebasedPaymentAwardPercentageofTargetNumberofCommonSharesGranted" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPercentageofTargetNumberofCommonSharesGranted" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" 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_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_StatementOfStockholdersEquityAbstractAbstract" name="StatementOfStockholdersEquityAbstractAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_StockIncentivePlan2004Member" name="StockIncentivePlan2004Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_StockIssuedDuringPeriodSharesNewIssuesandRestrictedStockNetofForfeituresinshares" name="StockIssuedDuringPeriodSharesNewIssuesandRestrictedStockNetofForfeituresinshares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_StockIssuedDuringPeriodSharesStockOptionsandWarrantsExercisedandRestrictedStockVesting" name="StockIssuedDuringPeriodSharesStockOptionsandWarrantsExercisedandRestrictedStockVesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_StockIssuedDuringPeriodValueNewIssuesandRestrictedStockNetofForfeitures" name="StockIssuedDuringPeriodValueNewIssuesandRestrictedStockNetofForfeitures" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cof_StockIssuedDuringPeriodValueStockOptionsandWarrantsExercisedandRestrictedStockVesting" name="StockIssuedDuringPeriodValueStockOptionsandWarrantsExercisedandRestrictedStockVesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SummaryofSignificantAccountingPoliciesAbstract" name="SummaryofSignificantAccountingPoliciesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cof_SupplementaryleverageAbstract" name="SupplementaryleverageAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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_ThresholdPeriodPastDueforNonperformingStatusofFinancingReceivables" name="ThresholdPeriodPastDueforNonperformingStatusofFinancingReceivables" 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" />
  <xsd:element id="cof_TierOneCommonCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" name="TierOneCommonCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_TierOneCommonEquityAbstract" name="TierOneCommonEquityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_TieronecapitalunderBaselIIIstandardizedapproach" name="TieronecapitalunderBaselIIIstandardizedapproach" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesAfterYearFive" name="TimeDepositMaturitiesWithContractualMaturityDatesAfterYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesNextTwelveMonths" name="TimeDepositMaturitiesWithContractualMaturityDatesNextTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesYearFive" name="TimeDepositMaturitiesWithContractualMaturityDatesYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesYearFour" name="TimeDepositMaturitiesWithContractualMaturityDatesYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesYearThree" name="TimeDepositMaturitiesWithContractualMaturityDatesYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesYearTwo" name="TimeDepositMaturitiesWithContractualMaturityDatesYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesDebtLongtermandShorttermCombinedAmountFiscalYearMaturityAbstract" name="TimeDepositsMaturitiesWithContractualMaturityDatesDebtLongtermandShorttermCombinedAmountFiscalYearMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesDebtLongtermandShorttermCombinedAmountMaturitiesNextTwelveMonths" name="TimeDepositsMaturitiesWithContractualMaturityDatesDebtLongtermandShorttermCombinedAmountMaturitiesNextTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandDebtLongtermandShorttermCombinedAmount" name="TimeDepositsMaturitiesWithContractualMaturityDatesandDebtLongtermandShorttermCombinedAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesAfterYearFive" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesAfterYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFive" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFour" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearThree" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearTwo" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cof_TimeDepositsWithContractualMaturityDates" name="TimeDepositsWithContractualMaturityDates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_TimeDepositsWithContractualMaturityDatesFiscalYearMaturityAbstract" name="TimeDepositsWithContractualMaturityDatesFiscalYearMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cof_TreasuryStockParOrStatedValuePerShare" name="TreasuryStockParOrStatedValuePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <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_UnsecuredDebtFairValueDisclosure" name="UnsecuredDebtFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cof_UnsecuredSeniorDebtMember" name="UnsecuredSeniorDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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_WalmartMember" name="WalmartMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>
