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  <xsd:element abstract="true" id="hrb_EmeraldAdvanceLinesOfCreditMember" name="EmeraldAdvanceLinesOfCreditMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_FairValueInputLevelOneAndLevelThreeMember" name="FairValueInputLevelOneAndLevelThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_FairValueInputsCollateralDepreciation" name="FairValueInputsCollateralDepreciation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_FairValueInputsCostToListSell" name="FairValueInputsCostToListSell" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_FairValueInputsTimeToSell" name="FairValueInputsTimeToSell" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_FinancialInstrumentsAsPercentageOfTotalAssets" name="FinancialInstrumentsAsPercentageOfTotalAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hrb_FixedRateLoansToTotalLoans" name="FixedRateLoansToTotalLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_FranchiseLoansAbstract" name="FranchiseLoansAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment" name="GainOrLossOnImpairedMortgageLoansHeldForInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_GoodwillAndIntangibleAssetsLineItems" name="GoodwillAndIntangibleAssetsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_GoodwillAndIntangibleAssetsTable" name="GoodwillAndIntangibleAssetsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_GoodwillDisposalsAndOther" name="GoodwillDisposalsAndOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_HRBlockBankAbstract" name="HRBlockBankAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_HrbBankMember" name="HrbBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ImpairedMortgageLoansHeldForInvestmentNonTdrsMember" name="ImpairedMortgageLoansHeldForInvestmentNonTdrsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ImpairedMortgageLoansHeldForInvestmentTdrsMember" name="ImpairedMortgageLoansHeldForInvestmentTdrsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ImpairedNonAccrualStatusTerm" name="ImpairedNonAccrualStatusTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_Individually60DaysOrMorePastDueMember" name="Individually60DaysOrMorePastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_IndividuallyTdrMember" name="IndividuallyTdrMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_InitialPrincipalAmountOfLoansSecuritized" name="InitialPrincipalAmountOfLoansSecuritized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_InterestIncomeAndInterestExpenseAbstract" name="InterestIncomeAndInterestExpenseAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_InterestPaidOnDeposits" name="InterestPaidOnDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_InternalRiskRatingHighMember" name="InternalRiskRatingHighMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_InternalRiskRatingLowMember" name="InternalRiskRatingLowMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_InternalRiskRatingMediumMember" name="InternalRiskRatingMediumMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_InvestmentSecuritiesMember" name="InvestmentSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_LessThanSixtyDaysPastDueMember" name="LessThanSixtyDaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_LitigationAndRelatedContingenciesAbstract" name="LitigationAndRelatedContingenciesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium" name="LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_LoansAndLeasesReceivableAllowanceAsPercentOfPrincipal" name="LoansAndLeasesReceivableAllowanceAsPercentOfPrincipal" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_LoansAndLeasesRollforwardRollForward" name="LoansAndLeasesRollforwardRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus" name="LoansReceivableRecordedInvestmentNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hrb_LoansSoldToTrustWithClaimsofBreachofContractandIndemnity" name="LoansSoldToTrustWithClaimsofBreachofContractandIndemnity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_LoansToFranchiseesMember" name="LoansToFranchiseesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_MGRIDLLCv.MerrillLynchMortgageLendingIncMember" name="MGRIDLLCv.MerrillLynchMortgageLendingIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ManagementEstimatesPolicyTextBlock" name="ManagementEstimatesPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_MaximumCreditScoreMember" name="MaximumCreditScoreMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium" name="MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium" nillable="true" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_McgladreyPullenLlpMember" name="McgladreyPullenLlpMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_MinimumCreditScoreMember" name="MinimumCreditScoreMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow" name="MinimumCreditScoreToBeGivenInternalRiskRatingOfLow" nillable="true" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_MinimumLeverageCapitalPercentage" name="MinimumLeverageCapitalPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_MortgageLoansFairValueDisclosure" name="MortgageLoansFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract" name="MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" name="MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable" name="MortgageLoansHeldForInvestmentAndRelatedAssetsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_MortgageLoansMember" name="MortgageLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_NarrativeDetailsAbstract" name="NarrativeDetailsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_NetDiscreetTaxExpenseBenefit" name="NetDiscreetTaxExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hrb_NetIntercompanyAdvancesFinancingActivities" name="NetIntercompanyAdvancesFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hrb_NetIntercompanyAdvancesInvestingActivities" name="NetIntercompanyAdvancesInvestingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_NinetyDaysPlusPastDueMember" name="NinetyDaysPlusPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_NotesLoansAndFinancingReceivableRecordedInvestment60OrMoreDaysPastDue" name="NotesLoansAndFinancingReceivableRecordedInvestment60OrMoreDaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hrb_ObligationForUnfundedLetterOfCredit" name="ObligationForUnfundedLetterOfCredit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hrb_OccupancyAndEquipment" name="OccupancyAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_OccupancyStatusNonOwnerOccupiedMember" name="OccupancyStatusNonOwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_OccupancyStatusOwnerOccupiedMember" name="OccupancyStatusOwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_OtherComprehensiveIncomeLossBeforeReclassificationsTax" name="OtherComprehensiveIncomeLossBeforeReclassificationsTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_OtherInterestMember" name="OtherInterestMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_OtherOperatingCostandExpenseAxis" name="OtherOperatingCostandExpenseAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_OtherOperatingCostandExpenseDomain" name="OtherOperatingCostandExpenseDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_OtherReceivablesMember" name="OtherReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_PaymentsForLoansMadeToFranchisees" name="PaymentsForLoansMadeToFranchisees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hrb_PercentOfLoansThirtyDaysPastDue" name="PercentOfLoansThirtyDaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_PercentageOfFraudOnOriginatedLoans" name="PercentageOfFraudOnOriginatedLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaNewYorkAndWisconsin" name="PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaNewYorkAndWisconsin" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_PooledLessThan60DaysPastDueMember" name="PooledLessThan60DaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_PrincipalAssetsofSCC" name="PrincipalAssetsofSCC" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable" name="ProceedsFromCollectionOfFranchiseLoansReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hrb_ProvisionForBadDebtAndLoanLosses" name="ProvisionForBadDebtAndLoanLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_PurchasedFromSccMember" name="PurchasedFromSccMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_PurchasedTechnologyMember" name="PurchasedTechnologyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ReacquiredFranchiseRightsMember" name="ReacquiredFranchiseRightsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_RealEstateOwnedMember" name="RealEstateOwnedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember" name="ReceivablesForTaxPreparationAndRelatedFeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_RemainingObligationForUnfundedLetterOfCredit" name="RemainingObligationForUnfundedLetterOfCredit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hrb_RestrictedCashAndInvestmentsCurrentFairValue" name="RestrictedCashAndInvestmentsCurrentFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_RevolvingLoansMember" name="RevolvingLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_RoyaltiesFromFranchiseesMember" name="RoyaltiesFromFranchiseesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_SccMember" name="SccMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock" name="ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock" name="ScheduleOfAllowanceForImpairedLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfAllowanceForLoanLossesTextBlock" name="ScheduleOfAllowanceForLoanLossesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" name="ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ScheduleOfCommitmentsAndContingenciesTable" name="ScheduleOfCommitmentsAndContingenciesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" name="ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock" name="ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" name="ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock" name="ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfImpairedLoansTextBlock" name="ScheduleOfImpairedLoansTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ScheduleOfInterestIncomeAndExpenseLineItems" name="ScheduleOfInterestIncomeAndExpenseLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ScheduleOfInterestIncomeAndExpenseTable" name="ScheduleOfInterestIncomeAndExpenseTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" name="ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_ScheduleOfLitigationAndRelatedContingenciesTable" name="ScheduleOfLitigationAndRelatedContingenciesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfMortgageLoanPortfolioTextBlock" name="ScheduleOfMortgageLoanPortfolioTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfNonAccrualLoansTableTextBlock" name="ScheduleOfNonAccrualLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfPastDueMortgageLoans" name="ScheduleOfPastDueMortgageLoans" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock" name="ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfPortfolioBalanceTextBlock" name="ScheduleOfPortfolioBalanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock" name="ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock" name="ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_ScheduleOfShortTermReceivablesTableTextBlock" name="ScheduleOfShortTermReceivablesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_SecuritizationTransactions" name="SecuritizationTransactions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_SixtyToEightyNineDaysPastDueMember" name="SixtyToEightyNineDaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_StandardGuaranteeAccrualAmount" name="StandardGuaranteeAccrualAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_SummaryOfSignificantAccountingPoliciesAbstract" name="SummaryOfSignificantAccountingPoliciesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_TaxServicesMember" name="TaxServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_TermLoansMember" name="TermLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hrb_TotalLoansToTotalLoans" name="TotalLoansToTotalLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hrb_TotalPastDueMember" name="TotalPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hrb_YearOfOrigination2014Member" name="YearOfOrigination2014Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>