Capital One Financial Corp. is a financial holding company, which operates through its subsidiaries, Capital One, NA and Capital One Bank USA, NA. It offers financial products and services to consumers, small businesses and commercial clients. The company operates through three segments: Credit Card, Consumer Banking and Commercial Banking. The Credit Card segment consists of domestic consumer and small business card lending, national small business lending, national closed end installment lending and the international card lending businesses in Canada and the United Kingdom. The Consumer Banking segment consists of branch-based lending and deposit gathering activities for consumers and small businesses, national deposit gathering, national auto lending and consumer home loan lending and servicing activities. The Commercial Banking segment consists of lending, deposit gathering and treasury management services to commercial real estate and commercial and industrial customers. Capital One Financial was founded by Richard D. Fairbank on July 21, 1994 and is headquartered in McLean, VA.