Exhibit 21.1

List of Subsidiaries
Name of Subsidiary
Jurisdiction of Organization
CareCredit LLCCalifornia
Loop Commerce, LLCDelaware
Pets Best Insurance Services, LLCIdaho
Retail Finance Credit Services, LLCDelaware
Retail Finance International Holdings, Inc.Delaware
Retail Finance Servicing, LLCDelaware
RFS Holding, Inc.Delaware
RFS Holding, L.L.C.Delaware
Sherman Clay & Co., LLCDelaware
Synchrony BankUnited States
Synchrony Financial CanadaOntario
Synchrony Financial Canada CompanyNova Scotia
Synchrony Global Services Philippines, Inc.Philippines
Synchrony Holding CompanyNova Scotia
Synchrony International Resource Management, LLCDelaware
Synchrony International Services Private LimitedIndia
Synchrony Lending, Inc.Delaware
Synchrony Sales Finance Holding, LLCDelaware
Synchrony Card Funding, LLCDelaware
Securitization Trusts
Without taking a position as to whether they are “subsidiaries” within the meaning of Rule 405, the following securitization entities are consolidated within the Company’s financial statements:
Name of Trust
Jurisdiction of Organization
Synchrony Credit Card Master Note TrustDelaware
Synchrony Sales Finance Master TrustDelaware
Synchrony Card Issuance TrustDelaware