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Income Taxes (Tables)
 9 Months Ended
Sep. 30, 2016
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,
 
2016
 
2015
 
2016
 
2015
Federal (benefit) provision
(35.0
)%
 
(35.0
)%
 
35.0
 %
 
35.0
 %
State (benefit) provision
(2.2
)%
 
(2.4
)%
 
2.2
 %
 
2.4
 %
International provision (benefit)(1)
16.0
 %
 
(20.5
)%
 
19.3
 %
 
(8.3
)%
Permanent items(2)
0.3
 %
 
1.4
 %
 
3.3
 %
 
1.2
 %
Tax effect of CFPB / regulatory charges
0.0
 %
 
21.9
 %
 
0.0
 %
 
6.2
 %
Other(3)
(0.1
)%
 
(0.7
)%
 
(6.7
)%
 
0.2
 %
Effective rate
(21.0
)%
 
(35.3
)%
 
53.1
 %
 
36.7
 %
________________________
(1)
Relates primarily to lower tax rates on income or loss attributable to international operations.
(2)
Represents a provision for nondeductible items.
(3)
Includes the effect of discrete items and an IRS audit settlement.