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Significant Accounting Policies and Consolidated Financial Statement Components (Tables)
 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Accounting Policies [Abstract]    
Roll-forward of allowance for uncollectible loans and fees receivable, net
A roll-forward (in millions) of our allowance for uncollectible loans and fees receivable by class of receivable is as follows: 
For the Three Months Ended September 30, 2016

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(1.1
)

$
(2.0
)

$
(21.1
)

$
(24.2
)
Provision for loan losses

0.1


(0.7
)

(16.9
)

(17.5
)
Charge offs

0.5


0.8


6.9


8.2

Recoveries

(0.5
)

(0.2
)

(0.4
)

(1.1
)
Balance at end of period

$
(1.0
)

$
(2.1
)

$
(31.5
)

$
(34.6
)









For the Nine Months Ended September 30, 2016

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(1.2
)

$
(1.7
)

$
(18.6
)

$
(21.5
)
Provision for loan losses

0.7


(2.1
)

(31.6
)

(33.0
)
Charge offs

1.5


2.5


20.1


24.1

Recoveries

(2.0
)

(0.8
)

(1.4
)

(4.2
)
Balance at end of period

$
(1.0
)

$
(2.1
)

$
(31.5
)

$
(34.6
)
As of September 30, 2016
 
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
Allowance for uncollectible loans and fees receivable:
 
 
 
 
 
 
 
 
Balance at end of period individually evaluated for impairment
 
$
—

 
$
(0.4
)
 
$
(0.3
)
 
$
(0.7
)
Balance at end of period collectively evaluated for impairment
 
$
(1.0
)
 
$
(1.7
)
 
$
(31.2
)
 
$
(33.9
)
Loans and fees receivable:
 
 

 
 

 
 

 
 

Loans and fees receivable, gross
 
$
6.1

 
$
74.2

 
$
184.0

 
$
264.3

Loans and fees receivable individually evaluated for impairment
 
$
—

 
$
0.6

 
$
0.3

 
$
0.9

Loans and fees receivable collectively evaluated for impairment
 
$
6.1

 
$
73.6

 
$
183.7

 
$
263.4
For the Three Months Ended September 30, 2015

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(1.5
)

$
(1.3
)

$
(13.5
)

$
(16.3
)
Provision for loan losses

(0.3
)

(0.8
)

(7.8
)

(8.9
)
Charge offs

0.9


0.8


4.4


6.1

Recoveries

(0.2
)

(0.2
)

(0.2
)

(0.6
)
Balance at end of period

$
(1.1
)

$
(1.5
)

$
(17.1
)

$
(19.7
)









For the Nine Months Ended September 30, 2015

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(2.7
)

$
(1.2
)

$
(16.1
)

$
(20.0
)
Provision for loan losses

(1.2
)

(1.4
)

(15.4
)

(18.0
)
Charge offs

3.2


1.7


15.3


20.2

Recoveries

(0.4
)

(0.6
)

(0.9
)

(1.9
)
Balance at end of period

$
(1.1
)

$
(1.5
)

$
(17.1
)

$
(19.7
)


As of December 31, 2015
 
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
Allowance for uncollectible loans and fees receivable:
 
 
 
 
 
 
 
 
Balance at end of period individually evaluated for impairment
 
$
—

 
$
(0.1
)
 
$
(1.3
)
 
$
(1.4
)
Balance at end of period collectively evaluated for impairment
 
$
(1.2
)
 
$
(1.6
)
 
$
(17.3
)
 
$
(20.1
)
Loans and fees receivable:
 
 

 
 

 
 

 
 

Loans and fees receivable, gross
 
$
5.2

 
$
76.0

 
$
98.9

 
$
180.1

Loans and fees receivable individually evaluated for impairment
 
$
—

 
$
0.2

 
$
1.5

 
$
1.7

Loans and fees receivable collectively evaluated for impairment
 
$
5.2

 
$
75.8

 
$
97.4

 
$
178.4
Delinquent loans and fees receivable, gross
An aging of our delinquent loans and fees receivable, gross (in millions) by class of receivable as of September 30, 2016 and December 31, 2015 is as follows:
Balance at September 30, 2016
 
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
30-59 days past due
 
$
0.1

 
$
6.3

 
$
7.2

 
$
13.6

60-89 days past due
 
0.2

 
2.1

 
5.3

 
7.6

90 or more days past due
 
0.4

 
1.4

 
9.0

 
10.8

Delinquent loans and fees receivable, gross
 
0.7

 
9.8

 
21.5

 
32.0

Current loans and fees receivable, gross
 
5.4

 
64.4

 
162.5

 
232.3

Total loans and fees receivable, gross
 
$
6.1

 
$
74.2

 
$
184.0

 
$
264.3

Balance of loans 90 or more days past due and still accruing interest and fees
 
$
—

 
$
1.1

 
$
—

 
$
1.1
Balance at December 31, 2015
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
30-59 days past due
$
0.2

 
$
6.9

 
$
4.4

 
$
11.5

60-89 days past due
0.1

 
2.2

 
3.1

 
5.4

90 or more days past due
0.4

 
1.8

 
6.5

 
8.7

Delinquent loans and fees receivable, gross
0.7

 
10.9

 
14.0

 
25.6

Current loans and fees receivable, gross
4.5

 
65.1

 
84.9

 
154.5

Total loans and fees receivable, gross
$
5.2

 
$
76.0

 
$
98.9

 
$
180.1

Balance of loans 90 or more days past due and still accruing interest and fees
$
—

 
$
1.5

 
$
—

 
$
1.5
Components of fees and related income on earning assets
The components (in thousands) of our fees and related income on earning assets are as follows:
 
Three months ended September 30,
 
Nine months ended September 30,
 
2016
 
2015
 
2016
 
2015
Fees on credit products
$
944

 
$
1,759

 
$
2,599

 
$
5,824

Changes in fair value of loans and fees receivable recorded at fair value
(1,857
)
 
1,307

 
568

 
4,519

Changes in fair value of notes payable associated with structured financings recorded at fair value
259

 
2,141

 
2,363

 
1,359

Rental revenue
758

 
9,378

 
8,091

 
28,765

Other
(29
)
 
2,092

 
219

 
2,180

Total fees and related income on earning assets
$
75

 
$
16,677

 
$
13,840

 
$
42,647