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  <xs:element id="cof_PaymentsForRedemptionOfPreferredStock" abstract="false" name="PaymentsForRedemptionOfPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans" abstract="false" name="FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CarryingAmountOfLiabilities" abstract="false" name="CarryingAmountOfLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ServicingAssetatAmortizedCostAccumulatedAmortization" abstract="false" name="ServicingAssetatAmortizedCostAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SecurityClassDomain" abstract="true" name="SecurityClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableAllowanceForCreditLossAdjustmentsOther" abstract="false" name="FinancingReceivableAllowanceForCreditLossAdjustmentsOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_NonsecuritizationRelatedVariableInterestEntitiesMember" abstract="true" name="NonsecuritizationRelatedVariableInterestEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_AssociateStockPurchasePlanMember" abstract="true" name="AssociateStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearThree" abstract="false" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CombinedAllowanceAndUnfundedReserveMember" abstract="true" name="CombinedAllowanceAndUnfundedReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings" abstract="false" name="GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CustomerRewardExpenses" abstract="false" name="CustomerRewardExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_MortgageServicingAssetatAmortizedCostGross" abstract="false" name="MortgageServicingAssetatAmortizedCostGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="cof_RestrictedCashandCashEquivalentsFairvalueDisclosure" abstract="false" name="RestrictedCashandCashEquivalentsFairvalueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_LoansHeldforInvestmentMeasurementInput" abstract="false" name="LoansHeldforInvestmentMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_ServiceChargesAndOtherCustomerFeesContractsMember" abstract="true" name="ServiceChargesAndOtherCustomerFeesContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FairValueAssetsMeasureonRecurringBasisUnrealizedGainLossinOCI" abstract="false" name="FairValueAssetsMeasureonRecurringBasisUnrealizedGainLossinOCI" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ProceedsfromIssuanceofUnsecuredDebtandLongTermFHLBAdvancesNetofIssuanceCost" abstract="false" name="ProceedsfromIssuanceofUnsecuredDebtandLongTermFHLBAdvancesNetofIssuanceCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DepositswithDefinedMaturities" abstract="false" name="DepositswithDefinedMaturities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterchangeFeesNet" abstract="false" name="InterchangeFeesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_GainLossOnFairValueLoansHeldForSaleRecognizedInEarnings" abstract="false" name="GainLossOnFairValueLoansHeldForSaleRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercent" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="cof_AdvisedLineofCredit" abstract="false" name="AdvisedLineofCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesTable" abstract="true" name="ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cof_SecuredDebtFairValueDisclosure" abstract="false" name="SecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_StockIncentivePlan2004Member" abstract="true" name="StockIncentivePlan2004Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_SharebasedCompensationArrangementbySharebasedPaymentAwardPotentialAnnualReductioninVestingBasedonPerformancePercentage" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPotentialAnnualReductioninVestingBasedonPerformancePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="cof_ReceivablesFromSubsidiaries" abstract="false" name="ReceivablesFromSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CreditCardPortfolioSegmentMember" abstract="true" name="CreditCardPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_NonRecoverableRateMember" abstract="true" name="NonRecoverableRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_CarryingAmountOfAssets" abstract="false" name="CarryingAmountOfAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="cof_CustomerAccommodationMember" abstract="true" name="CustomerAccommodationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_DebtExcludingSecuredDebt" abstract="false" name="DebtExcludingSecuredDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_IncreaseDecreaseinInvestmentinSubsidiaries" abstract="false" name="IncreaseDecreaseinInvestmentinSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DeferredTaxliabilitiesPartnershipInvestments" abstract="false" name="DeferredTaxliabilitiesPartnershipInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_NoninterestIncomeExcludingRevenueFromContractWithCustomer" abstract="false" name="NoninterestIncomeExcludingRevenueFromContractWithCustomer" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ConsumerBankingSegmentMember" abstract="true" name="ConsumerBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_DomesticCardMember" abstract="true" name="DomesticCardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_ResidentialMortgageBackedSecuritiesAgencyMember" abstract="true" name="ResidentialMortgageBackedSecuritiesAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_OtherAssetsFairValueDisclosureAbstract" abstract="true" name="OtherAssetsFairValueDisclosureAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_Proceedsfromissuanceofseniornotesandsubnotes" abstract="false" name="Proceedsfromissuanceofseniornotesandsubnotes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ForeclosedPropertyandRepossessedAssetsFairValueDisclosure" abstract="false" name="ForeclosedPropertyandRepossessedAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercentTotal" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercentTotal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_FinanceLeaseCost" abstract="false" name="FinanceLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_LeaseCostPriorToSubleaseIncome" abstract="false" name="LeaseCostPriorToSubleaseIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherborrowingsMember" abstract="true" name="OtherborrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_NumberofConsumerClassActionCasesFiledforCybersecurityIncident" abstract="false" name="NumberofConsumerClassActionCasesFiledforCybersecurityIncident" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cof_HedgedItemsInFairValueHedgingRelationshipLineItems" abstract="true" name="HedgedItemsInFairValueHedgingRelationshipLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_OffBalanceSheetLendingCommitmentCarryingValue" abstract="false" name="OffBalanceSheetLendingCommitmentCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_RetailBankingMember" abstract="true" name="RetailBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_HedgedIteminFairValueHedgingRelationshipTableTextBlock" abstract="false" name="HedgedIteminFairValueHedgingRelationshipTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_PropertyPlantandEquipmentandLeaseCommitmentsAbstract" abstract="true" name="PropertyPlantandEquipmentandLeaseCommitmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_Cof_LossContingencyRelatedtoLitigationMattersPolicyTextBlockPolicyTextBlock" abstract="false" name="Cof_LossContingencyRelatedtoLitigationMattersPolicyTextBlockPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_DefinedBenefitPlanExpectedFutureBenefitPaymentNext10Years" abstract="false" name="DefinedBenefitPlanExpectedFutureBenefitPaymentNext10Years" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestincomeLoansMember" abstract="true" name="InterestincomeLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_ScheduleofLossSharingArrangementImpactTableTextBlock" abstract="false" name="ScheduleofLossSharingArrangementImpactTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_UncollectiblePortionofBilledFinanceChargesandFees" abstract="false" name="UncollectiblePortionofBilledFinanceChargesandFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_TimeDepositsWithContractualMaturityDates" abstract="false" name="TimeDepositsWithContractualMaturityDates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_PerformanceShareUnitsMember" abstract="true" name="PerformanceShareUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_PenaltyPaidToTheUSTreasury" abstract="false" name="PenaltyPaidToTheUSTreasury" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodSharesNewIssuesandRestrictedStockNetofForfeituresinshares" abstract="false" name="StockIssuedDuringPeriodSharesNewIssuesandRestrictedStockNetofForfeituresinshares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cof_DeferredTaxAssetsLeaseLiabilities" abstract="false" name="DeferredTaxAssetsLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestTermWriteoff" abstract="false" name="FinancingReceivableExcludingAccruedInterestTermWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DeferredTaxLiabilitiesRightofUseAssets" abstract="false" name="DeferredTaxLiabilitiesRightofUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherConsumerLoansMember" abstract="true" name="OtherConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_SeniorNotesDue2024Member" abstract="true" name="SeniorNotesDue2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_SmallBusinessBankingLoansMember" abstract="true" name="SmallBusinessBankingLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_DepositInsuranceAssessmentsMember" abstract="true" name="DepositInsuranceAssessmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_DeferredTaxLiabilitiesOriginalIssueDiscount" abstract="false" name="DeferredTaxLiabilitiesOriginalIssueDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DeferredTaxAssetsRewardsPrograms" abstract="false" name="DeferredTaxAssetsRewardsPrograms" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_AffordableHousingEntitiesMember" abstract="true" name="AffordableHousingEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FurnitureAndEquipmentMember" abstract="true" name="FurnitureAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodValueNewIssuesandRestrictedStockNetofForfeitures" abstract="false" name="StockIssuedDuringPeriodValueNewIssuesandRestrictedStockNetofForfeitures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_VariableInterestEntityNonconsolidatedTotalAssets" abstract="false" name="VariableInterestEntityNonconsolidatedTotalAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="cof_LossSharingAgreementMember" abstract="true" name="LossSharingAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_OtherLongTermBorrowingsMember" abstract="true" name="OtherLongTermBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_RetainedInterestMeasurementInputLifeOfReceivables" abstract="false" name="RetainedInterestMeasurementInputLifeOfReceivables" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cof_AvailableforsaleSecuritiesExpectedDebtMaturitiesAmortizedCostBasisRollingMaturity" abstract="true" name="AvailableforsaleSecuritiesExpectedDebtMaturitiesAmortizedCostBasisRollingMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_SeriesJPreferredStockMember" abstract="true" name="SeriesJPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_AssociateSavingsPlanMember" abstract="true" name="AssociateSavingsPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_ScheduleofLetterofCreditandOtherLoanCommitmentsTableTextBlock" abstract="false" name="ScheduleofLetterofCreditandOtherLoanCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_AmortizationOfBasisAdjustmentOnDiscontinuedHedges" abstract="false" name="AmortizationOfBasisAdjustmentOnDiscontinuedHedges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_IntangibleAssetsGrossIncludingGoodwill" abstract="false" name="IntangibleAssetsGrossIncludingGoodwill" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_LetterofCreditIssuedContractualAmountandUnusedCommitmenttoExtendCredit" abstract="false" name="LetterofCreditIssuedContractualAmountandUnusedCommitmenttoExtendCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_MinimumCapitalAdequacyforSupplementaryLeverageRatio" abstract="false" name="MinimumCapitalAdequacyforSupplementaryLeverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cof_MeasurementInputSwapRatesMember" abstract="true" name="MeasurementInputSwapRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_TierOneCommonCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" abstract="false" name="TierOneCommonCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cof_RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" abstract="false" name="RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeLossOtherTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod" abstract="false" name="LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cof_GrossTaxInterestAndPenaltiesMember" abstract="true" name="GrossTaxInterestAndPenaltiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_SupplementaryleverageAbstract" abstract="true" name="SupplementaryleverageAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_TimeDepositMaturitiesWithContractualMaturityDatesAfterYearFive" abstract="false" name="TimeDepositMaturitiesWithContractualMaturityDatesAfterYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestModifiedAfter12Months" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedAfter12Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SeriesNPreferredStockMember" abstract="true" name="SeriesNPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_OtherPortfolioSegmentsExcludingCreditCardMember" abstract="true" name="OtherPortfolioSegmentsExcludingCreditCardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FinancingReceivableModificationsPercentageofTroubledDebtRestructuringActivity" abstract="false" name="FinancingReceivableModificationsPercentageofTroubledDebtRestructuringActivity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_FederalHomeLoanbanksMember" abstract="true" name="FederalHomeLoanbanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_VariableInterestEntitiesandSecuritizationAbstract" abstract="true" name="VariableInterestEntitiesandSecuritizationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_CommonEquityTierOneCapitaltoRiskWeightedAssets" abstract="false" name="CommonEquityTierOneCapitaltoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cof_InterestExpenseOtherBorrowings" abstract="false" name="InterestExpenseOtherBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ResidentialMortgageBackedSecuritiesNonagencyMember" abstract="true" name="ResidentialMortgageBackedSecuritiesNonagencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_HedgedItemsInFairValueHedgingRelationshipTable" abstract="true" name="HedgedItemsInFairValueHedgingRelationshipTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cof_TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFour" abstract="false" name="TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FixedUnsecuredSubordinatedDebtMember" abstract="true" name="FixedUnsecuredSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_CommonStockFinancingActivitiesAbstract" abstract="true" name="CommonStockFinancingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_GainOrLossOnFairValueHedgesRecognizedInNetInterestIncome" abstract="false" name="GainOrLossOnFairValueHedgesRecognizedInNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SeniorAndSubordinatedNotesMember" abstract="true" name="SeniorAndSubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic" abstract="false" name="ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DiscoverMember" abstract="true" name="DiscoverMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_InterestincomeInvestmentsecuritiesMember" abstract="true" name="InterestincomeInvestmentsecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities" abstract="false" name="DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_BusinessCombinationShareConversionRatio" abstract="false" name="BusinessCombinationShareConversionRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cof_RealizedGainsLossesOnForeignExchangeContractsReclassifiedFromAOCI" abstract="false" name="RealizedGainsLossesOnForeignExchangeContractsReclassifiedFromAOCI" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_EquityInUndistributedNetIncomeLoss" abstract="false" name="EquityInUndistributedNetIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestexpenseSeniorandSubordinatedDebtMember" abstract="true" name="InterestexpenseSeniorandSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FederalReserveDiscountWindowMember" abstract="true" name="FederalReserveDiscountWindowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_Cof_RestrictedEquityInvestmentsPolicyTextBlockPolicyTextBlock" abstract="false" name="Cof_RestrictedEquityInvestmentsPolicyTextBlockPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_UnsecuredSeniorDebtMember" abstract="true" name="UnsecuredSeniorDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_RepurchaseAgreementCollateralRightToReclaimCashOffset" abstract="false" name="RepurchaseAgreementCollateralRightToReclaimCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DebtandDepositLiabilitiesDisclosuresTextBlock" abstract="false" name="DebtandDepositLiabilitiesDisclosuresTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_FloatingUnsecuredSeniorDebtMember" abstract="true" name="FloatingUnsecuredSeniorDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FairValueAssetsMeasuredOnNonRecurringBasisGainLossIncludedInEarningsTableTextBlock" abstract="false" name="FairValueAssetsMeasuredOnNonRecurringBasisGainLossIncludedInEarningsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="cof_FinancialAssetCurrentAndLessThan30DaysPastDueMember" abstract="true" name="FinancialAssetCurrentAndLessThan30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
