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  <xs:element id="rf_InterestRateFuturesAndForwardCommitmentsMember" abstract="true" name="InterestRateFuturesAndForwardCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="rf_DerivativeLiabilityNettingAdjustments" abstract="false" name="DerivativeLiabilityNettingAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rf_BankownedlifeinsuranceMember" abstract="true" name="BankownedlifeinsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="rf_StandbyLettersOfCreditCommitment" abstract="false" name="StandbyLettersOfCreditCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rf_AssetsAssociatedWithStandbyLettersOfCredit" abstract="false" name="AssetsAssociatedWithStandbyLettersOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rf_MaximumQuantifiableFannieMaeLossShareGuarantee" abstract="false" name="MaximumQuantifiableFannieMaeLossShareGuarantee" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
