HSBC Finance Corporation provides a range of loan products primarily to middle-market consumers in the United States, the United Kingdom, Canada, and the Republic of Ireland. Its lending products include real estate secured loans, auto finance loans, credit card loans, and personal noncredit card loans. It also distributes a range of credit life, disability and unemployment, accidental death and disability, term life, whole life, annuities, disability, long term care, and various other specialty insurance products; and initiates tax refund anticipation loans and other related products. HSBC Finance Corporation markets its products through its retail branch network, direct mail, telemarketing, and Internet-sourced applications and leads. The company was founded in 1925 and is based in Prospect Heights, Illinois. HSBC Finance Corporation is a subsidiary of HSBC North America Holdings, Inc.