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Income Taxes (Tables)
 9 Months Ended
Sep. 30, 2015
Income Tax Disclosure [Abstract]  
Schedule of Effective Tax Rates
The effective tax rates for the respective periods are shown below:
 
Three Months Ended 
 September 30,
 
Nine Months Ended 
 September 30,
 
2015
 
2014
 
2015
 
2014
Federal (benefit) provision
(35.0
)%
 
35.0
 %
 
35.0
 %
 
35.0
 %
State (benefit) provision
(4.4
)%
 
3.8
 %
 
4.4
 %
 
3.8
 %
International benefit(1)
(23.4
)%
 
(8.7
)%
 
(8.8
)%
 
(5.0
)%
Permanent items(2)
1.7
 %
 
5.7
 %
 
1.0
 %
 
4.1
 %
Tax effect of CFPB / regulatory charges
27.6
 %
 
0.0
 %
 
5.4
 %
 
0.0
 %
Other(3)
(0.8
)%
 
(10.6
)%
 
0.1
 %
 
(4.0
)%
Effective rate
(34.3
)%
 
25.2
 %
 
37.1
 %
 
33.9
 %
________________________
(1)
Relates primarily to lower tax rates on income attributable to international operations.
(2)
Represents a provision for nondeductible items.
(3)
Includes the effect of discrete items and reserves taken for a certain tax position adopted by the Company.