Better Health for All

Capital One allocated $5 billion, representing 1.88% of its $265 billion Community Benefits Plan, to support healthcare accessibility in low-to-moderate income communities.

The company also invested over $3 billion in projects serving low-income patients through its Impact Initiative, provided financing for HealthCore Clinic's expansion for underserved populations, and offered $550,000 in grants for affordable housing developments with integrated health services, including health screening and vaccination facilities. Capital One launched blockchain and analytics solutions for healthcare claims management to improve efficiency and transparency. The company's core financial products and services have no direct positive or negative health impact. Capital One does not offer health-related products, hold healthcare-related patents, produce food products, conduct clinical trials, or have products with addiction potential or direct safety implications for physical or mental health.

Fair Money & Economic Opportunity

The provided articles describe Capital One's initiatives, including a five-year, $265 billion Community Benefits Plan aimed at underserved communities, which allocates funds for community development, consumer lending, small business support, and philanthropy

. The plan includes $44 billion for community development, $200 billion for consumer lending, over $15 billion for small business support, and $575 million in philanthropy . The company also utilizes LIHTC and NMTC programs for affordable housing and workforce training , and offers a free financial literacy course in partnership with Khan Academy . However, the articles do not provide specific quantitative data points, such as percentages of customers, loan book, revenue, or profit, or measurable outcomes like customer credit score improvements or program reach, that are required by the rubric to score any of the KPIs.

Fair Pay & Worker Respect

Capital One faces multiple lawsuits and claims related to worker treatment. A former sales representative was granted the right to pursue claims alleging harassment over her breastfeeding needs, violating California's Fair Employment and Housing Act.

The company also faces a lawsuit alleging it misclassified learning associates as exempt from overtime pay, potentially violating federal and state wage laws. Additionally, a lawsuit claims Capital One systematically underpaid call center employees by failing to compensate for overtime work, violating the Fair Labor Standards Act and Virginia wage law. In its 2025 annual report, Capital One ceased disclosing worker pay gap details, omitting prior statements that women and racially/ethnically diverse associates were paid 100% of their male and white counterparts.

Fair Trade & Ethical Sourcing

Capital One, a financial services company, does not procure or trade physical commodities, making fair-trade certifications, supply chain traceability for physical goods, and high-risk materials not applicable to its operations. The company has a Third Party Code of Business Conduct and Ethics that outlines expectations for ethical labor practices and equitable treatment of workers for firms it conducts business with.

Capital One also operates a Supplier Diversity Program to foster relationships with businesses owned by historically underrepresented groups, which has benefited numerous diverse businesses. A five-year, $265 billion Community Benefits Plan announced in July 2024 includes future spending with diverse suppliers.

Honest & Fair Business

Capital One received an "outstanding" rating in all three major factors of the Community Reinvestment Act (CRA) evaluation: lending, investment, and service tests

, reflecting its dedication to serving low- and moderate-income neighborhoods and ethical lending practices. The company was also honored as a BELA Community Champion for its dedication to ethics and compliance . Capital One's Corporate Governance Guidelines formalize its governance practices , and its Code of Conduct reflects a commitment to honesty, fair dealing, and integrity . However, lawmakers have highlighted Capital One's past issues, including nearly $1 billion in fines for illegal practices such as misleading consumers and anti-money laundering violations , and raised concerns over aggressive debt collection tactics, including "robo-signing" affidavits in credit card debt lawsuits .

Kind to Animals

Capital One lacks public exclusion or animal welfare policies governing its financing of beef, pork, poultry, dairy, and egg processors, sectors overwhelmingly dominated by factory farming.

As a financial services company, Capital One has no direct involvement in animal testing, animal agriculture operations, or sourcing animal-derived products, making several related KPIs not applicable. While Capital One supports wildlife conservation through contributions and facilitated the planting of over four million trees in 2023, the provided evidence does not include measurable biodiversity impact or species recovery metrics required for a positive score in that KPI.

No War, No Weapons

Capital One does not actively engage in peace advocacy or initiatives, nor does it directly participate in peace-building policies, indicating 0% of revenue invested in such programs.

While the company has a $265 billion Community Benefits Plan for economic opportunities and financial well-being, this contributes indirectly to peaceful community development, not directly to peacebuilding initiatives. Capital One's core operations do not involve manufacturing arms or securing military contracts, and there is no public evidence of its investment portfolio including companies engaged in weapons production or military activities. However, it provides financial services, including nearly $1 billion in committed facilities, to approximately 30 government contractors in the aerospace, defense, and government services sectors, supporting areas like missile defense and cyber intelligence. The company does not produce or finance military or dual-use technologies, nor does it have mineral inputs in its products or services, meaning no dual-use items or conflict minerals are applicable to its operations. Similarly, it has no exposure to controversial weapons, no defense assets to divest, and no AI systems used militarily, thus no related ethical red lines or technology development.

Planet-Friendly Business

Capital One has purchased 100% renewable electricity since 2017 and is a member of RE100.

The company aims to reduce its Scope 1 direct emissions by 50% and Scope 3 emissions (Categories 1-14) by 50% by 2030 from a 2019 baseline. In 2023, Capital One invested $75 million in the Chevelon Butte wind farm, and in 2022, over $90 million in the Jackpot Solar project. Capital One is pursuing LEED Silver or higher certification for all new office constructions and comprehensive renovations. The company has a goal to reduce water use at its facilities by 20% by 2025 from a 2019 baseline. Its migration to Amazon Web Services resulted in annual energy savings of 10 megawatts.

Respect for Cultures & Communities

Capital One contributed $100,000 for the restoration of the Historic Vernon Chapel African Methodist Episcopal Church in Tulsa, Oklahoma.

This site is significant to Black history and survived the 1921 Tulsa Race Massacre. The funding specifically aids in stabilizing and restoring the church's stained-glass windows.

Safe & Smart Tech

Capital One faces a lawsuit (January 2024) alleging unauthorized sharing of personal and financial data with third parties for marketing, claiming its privacy policy allowed extensive data collection and sharing without explicit consent

. The company was also fined $80 million by the U.S. Treasury Department in 2020 for inadequate risk management and internal controls related to a 2019 data breach that affected 106 million individuals . In 2022, Capital One allocated $500 million to enhance its cybersecurity infrastructure, implementing 42 advanced threat detection systems, and achieving a 99.97% data protection rate . The company has also established a Model Risk Management framework to evaluate, assess, validate, and govern AI models .

Zero Waste & Sustainable Products

Capital One has implemented waste reduction initiatives, including introducing composting and centralized waste stations since 2015, and plans to minimize the procurement of single-use items across its campuses.

These efforts have resulted in a 35% reduction in waste across corporate locations. However, a former goal to reduce landfill waste generated at campus locations by 50% by 2025 from a 2019 baseline was removed due to data challenges.