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  <xs:element id="syf_InterestReceivableFairValueDisclosure" abstract="false" name="InterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="syf_InterestPayableFairValueDisclosure" abstract="false" name="InterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="syf_RegulatoryCapitalRequirementsUnderBankingRegulationsByMeasurementAxis" abstract="true" name="RegulatoryCapitalRequirementsUnderBankingRegulationsByMeasurementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="syf_RegulatoryCapitalRequirementsUnderBankingRegulationsByMeasurementDomain" abstract="true" name="RegulatoryCapitalRequirementsUnderBankingRegulationsByMeasurementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="syf_BaselIIIMember" abstract="true" name="BaselIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="syf_SynchronySegmentMember" abstract="true" name="SynchronySegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="syf_FinancingReceivableAllowanceForCreditLossAdditionsReductions" abstract="false" name="FinancingReceivableAllowanceForCreditLossAdditionsReductions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="syf_NoninterestIncomeExcludingGainLossOnSaleOfBusinessAndFinancingReceivables" abstract="false" name="NoninterestIncomeExcludingGainLossOnSaleOfBusinessAndFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="syf_FraudRelatedOperationalLosses" abstract="false" name="FraudRelatedOperationalLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="syf_CurtisHowseMember" abstract="true" name="CurtisHowseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
