Capital One Financial
COF
Financials
5
exclusion reasons
2 themes
Capital One Financial is screened out under 5 exclusion reasons spanning 2 issue categories.
This page is part of our public exclusion list — a transparency tool that shows which companies we screen out and why. It is not investment advice, and it is not an accusation. It is a statement of values.
Banking on Climate Chaos 2025: Capital One Financial provided $5.0 B in fossil fuel financing in 2024 ($21.8 B total 2021–2024; ranked #40)
Capital One Financial has been subject to multiple enforcement actions for systemic misconduct in its consumer banking practices. In January 2025, the Office of the Comptroller of the Currency (OCC) assessed a $7 million civil money penalty against the bank for systemic sales practices misconduct that lasted until 2016. This followed a 2021 enforcement action where Capital One was fined millions for anti-money laundering violations.
Separately, the Consumer Financial Protection Bureau (CFPB) had filed a lawsuit accusing Capital One of misleading customers, allegedly costing them $2 billion in lost interest. While the CFPB moved to dismiss this specific suit in February 2025, the allegations detailed a pattern of consumer harm through deceptive practices. This history of regulatory penalties and significant consumer fraud allegations demonstrates a documented pattern of financial misconduct.
CFPB suit (Jan 2025): cheated consumers out of $2B+ in interest by freezing 360 Savings rates while hiding higher-yield product. Dismissed by Vought admin — conduct documented. ACL ratio >4% confirms subprime structural model.
Research Sources
23 organizations
Related Exclusions
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A digest of changes to our exclusion list — new additions, removals, and the evidence behind them. We review the list continuously as new evidence surfaces.
Companies appear on our exclusion list based on our investment judgment — not because they've done anything illegal. This is a difference of values and opinion, not an accusation of wrongdoing. Exclusion does not constitute a recommendation against investing in any company, and absence from the list does not constitute a recommendation to invest.
This information is provided for educational and transparency purposes only and should not be relied upon as investment advice. Data is drawn from independent watchdogs, NGOs, government registries, and Ethical Capital's ongoing research — see Research Sources for the full list.
Ethical Capital LLC is a state-registered investment adviser in Utah (CRD #316032). Registration does not imply a certain level of skill or training.