Wells Fargo & Company, a diversified financial services enterprise headquartered in San Francisco, California, since its founding in 1852, provides a broad spectrum of banking, investment, mortgage, and consumer and commercial finance offerings both within the United States and globally. The firm structures its operations across four primary segments. The Consumer Banking and Lending division provides financial products and services to individuals and small businesses, including checking and savings accounts, credit and debit cards, along with home, auto, personal, and small business lending solutions.