Bankrate Inc and its subsidiaries own and operate an Internet-based consumer banking and personal finance network. The Company is a publisher, aggregator and distributor of personal finance content on the Internet. It provides consumers with proprietary, fully researched, independent and objective personal finance editorial content across multiple vertical categories including mortgages, deposits, insurance, credit cards, and other categories, such as retirement, automobile loans, and taxes. Its flagship websites, Bankrate.com, CreditCards.com, insuranceQuotes.com and Caring.com are some of the Internet's aggregators of information on more than 300 financial products and services, including mortgages, deposits, credit cards, insurance, and other personal finance categories. Additionally, it provides financial applications and information to a network of distribution partners and through national and state publications. The Company operates the following business segments: Banking, Credit Cards, and Insurance. Banking offers information on rates for various types of mortgages, home lending and refinancing. It maintains current rate information for more than 600 local markets, covering all 50 U.S. states. Consumers can customize searches for mortgage rates by loan size, type, maturity, and location through its online portals. It also offers rate information and original editorial content on various deposit products, retirement, taxes and debt management. Credit Cards presents visitors a comprehensive selection of consumer and business credit and prepaid cards, providing detailed information and comparison capabilities, and host news and advice on personal finance, credit card and bank policies, as well as tools and calculators to estimate credit scores and card benefits. Insurance in conjunction with local agents and insurance carriers, it facilitates a consumer's ability to receive multiple competitive insurance quotes, provide advice and detailed descriptions of insurance terms and articles on topical subjects. It provides consumer inquiries in the banking, credit card, insurance and senior care verticals. Its customers include Capital One, Chase, Bank of America, Discover, Geico, State Farm, Synchrony Bank, Citibank and American Express. It competes for advertising revenues across the broad categories of personal finance content, online credit card marketplaces, and insurance and senior marketplaces, both in traditional media and online. There are many competitors in its market verticals. The Company is subject to government rules and regulations.