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Finance Receivables, Net (Tables)
 9 Months Ended
Sep. 30, 2020
Receivables [Abstract]  
Finance Receivables
Finance receivables, net were as follows:
 September 30,
2020		December 31,
2019
Gross receivables$3,600 $3,865 
Unearned income(382)(425)
Subtotal3,218 3,440 
Residual values— — 
Allowance for doubtful accounts(142)(89)
Finance receivables, net3,076 3,351 
Less: Billed portion of finance receivables, net111 111 
Less: Current portion of finance receivables not billed, net1,066 1,158 
Finance receivables due after one year, net$1,899 $2,082 
Allowance for Credit Losses on Financing Receivables The allowance for doubtful accounts as well as the related investment in finance receivables were as follows:
United States
Canada(1)
EMEA(1)(2)
Total
Balance at December 31, 2019$59 $11 $19 $89 
Provision35 6 25 66 
Charge-offs(3)(1)(4)(8)
Recoveries and other(3)
— (1)— (1)
Balance at March 31, 2020$91 $15 $40 $146 
Provision3 1 — 4 
Charge-offs(5)(1)(2)(8)
Recoveries and other(3)
— 1 — 1 
Balance at June 30, 2020$89 $16 $38 $143 
Provision6 — 3 9 
Charge-offs(6)(2)(5)(13)
Recoveries and other(3)
— 1 2 3 
Balance at September 30, 2020$89 $15 $38 $142 
Finance receivables as of September 30, 2020 collectively evaluated for impairment (4)
$1,819 $284 $1,115 $3,218 
Balance at December 31, 2018$53 $12 $27 $92 
Provision4 1 4 9 
Charge-offs(4)(1)(3)(8)
Recoveries and other(3)
— — — — 
Balance at March 31, 2019$53 $12 $28 $93 
Provision4 1 3 8 
Charge-offs(5)(3)(3)(11)
Recoveries and other(3)
1 2 — 3 
Balance at June 30, 2019$53 $12 $28 $93 
Provision6 — 2 8 
Charge-offs(5)(1)(3)(9)
Recoveries and other(3)
1 — — 1 
Balance at September 30, 2019$55 $11 $27 $93 
Finance receivables as of September 30, 2019 collectively evaluated for impairment(4)
$1,900 $324 $1,157 $3,381 
_____________
(1)Prior year amounts have been recasted to include the Other geographic region, which was previously disclosed as a separate grouping, conforming to the current year's presentation.
(2)Includes developing market countries.
(3)Includes the impacts of foreign currency translation and adjustments to reserves necessary to reflect events of non-payment such as customer accommodations and contract terminations.
(4)Total Finance receivables exclude the allowance for credit losses of $142 and $93 at September 30, 2020 and 2019, respectively.
Financing Receivable Credit Quality Indicators
Details about our finance receivables portfolio based on geography, origination year and credit quality indicators are as follows:
 September 30, 2020December 31, 2019
 20202019201820172016PriorTotal
Finance
Receivables		Total
Finance
Receivables
United States (Direct):
Low Credit Risk$117 $160 $144 $87 $48 $7 $563 $640 
Average Credit Risk42 103 60 31 12 3 251 331 
High Credit Risk65 47 29 16 6 3 166 132 
Total $224 $310 $233 $134 $66 $13 $980 $1,103 
United States (Indirect):
Low Credit Risk$154 $180 $103 $45 $14 $1 $497 $258 
Average Credit Risk86 110 73 35 9 1 314 445 
High Credit Risk13 6 5 3 1 — 28 116 
Total$253 $296 $181 $83 $24 $2 $839 $819 
Canada(1)
Low Credit Risk$24 $34 $26 $11 $8 $2 $105 $163 
Average Credit Risk32 40 29 20 8 1 130 97 
High Credit Risk13 11 10 12 3 — 49 66 
Total$69 $85 $65 $43 $19 $3 $284 $326 
EMEA(1)(2)
Low Credit Risk$128 $189 $145 $73 $29 $6 $570 $655 
Average Credit Risk108 164 117 60 22 4 475 479 
High Credit Risk16 22 16 11 4 1 70 58 
Total$252 $375 $278 $144 $55 $11 $1,115 $1,192 
Total Finance Receivables
Low Credit Risk$423 $563 $418 $216 $99 $16 $1,735 $1,716 
Average Credit Risk268 417 279 146 51 9 1,170 1,352 
High Credit Risk107 86 60 42 14 4 313 372 
Total$798 $1,066 $757 $404 $164 $29 $3,218 $3,440 
_____________
(1)Prior year amounts have been recasted to include the Other geographic region, which was previously disclosed as a separate grouping, conforming to the current year's presentation.
(2)Includes developing market countries.
Finance Receivables Aging
The aging of our billed finance receivables is as follows:
 September 30, 2020
 Current
31-90
Days
Past Due
>90 Days
Past Due
Total BilledUnbilled
Total
Finance
Receivables
>90 Days
and
Accruing
Direct $35 $9 $11 $55 $925 $980 $79 
Indirect23 6 3 32 807 839 — 
Total United States58 15 14 87 1,732 1,819 79 
Canada(1)
7 2 1 10 274 284 19 
EMEA(1)
12 3 3 18 1,097 1,115 37 
Total$77 $20 $18 $115 $3,103 $3,218 $135 
 December 31, 2019
 Current
31-90
Days
Past Due
>90 Days
Past Due
Total BilledUnbilled
Total
Finance
Receivables
>90 Days
and
Accruing
Direct$37 $11 $8 $56 $1,047 $1,103 $57 
Indirect25 5 3 33 786 819 — 
Total United States62 16 11 89 1,833 1,922 57 
Canada(1)
8 2 1 11 315 326 17 
EMEA(1)(2)
12 1 2 15 1,177 1,192 32 
Total$82 $19 $14 $115 $3,325 $3,440 $106 
_____________
(1)Includes developing market countries.
(2)Prior year amounts have been recasted to include the Other geographic region, which was previously disclosed as a separate grouping, conforming to the current year's presentation.