Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions		Sep. 30, 2015		Dec. 31, 2014
Personal loans		$ 4,061		$ 3,831
SpringCastle Portfolio		1,667		1,979
Allowance for finance receivable losses		193		176
Finance receivables held for sale		797		205
Restricted cash and cash equivalents		270		218
Long-term debt		$ 9,555	[1]	$ 8,356
Common stock, par value (usd per share)		$ 0.01		$ 0.01
Common stock, shares authorized		2,000,000,000		2,000,000,000
Common stock, shares issued		134,482,414		114,832,895
Common stock, shares outstanding		134,482,414		114,832,895
Consolidated VIEs
Personal loans		$ 2,100		$ 1,900
SpringCastle Portfolio		1,700		2,000
Allowance for finance receivable losses		131		72
Finance receivables held for sale		484		0
Restricted cash and cash equivalents		256		210
Long-term debt	[2]	$ 4,771		$ 3,630

[1] The net carrying amount of our long-term debt associated with certain securitizations that were either (1) issued at a premium or discount or (2) revalued at a premium or discount based on its fair value at the time of the Fortress Acquisition or (3) recorded at fair value on a recurring basis in circumstances when the embedded derivative within the securitization structure cannot be separately accounted for at fair value.

[2] As a result of our early adoption of ASU 2015-03 in June of 2015, we reclassified $14 million of debt issuance costs related to our long-term debt associated with our securitizations as of December 31, 2014, from other assets to long-term debt.