Income Taxes (Tables)

12 Months Ended

Dec. 31, 2013

Income Tax Disclosure [Abstract]

Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]

(in millions):

	Years Ended December 31,
	2013			2012			2011
Beginning balance	$	53		$	48		$	128
International operations acquired amounts	71			—			—
Additions to prior years' tax positions	—			1			—
Reductions to prior years' tax positions	(1		)	(2		)	(91		)
Additions to current year tax positions	12			9			11
Reductions in tax positions due to lapse of statutory limitations	(3		)	—			—
Settlements	(1		)	(3		)	—
Translation adjustment	(1		)	—			—
Ending balance	$	130		$	53		$	48

Schedule of Income before Income Tax, Domestic and Foreign [Table Text Block]

(in millions):

	Years Ended December 31,
	2013		2012		2011
U.S. income	$	637	$	732	$	610
Non-U.S. income	246		12		12
Income before income taxes	$	883	$	744	$	622

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

The following table summarizes income tax expense (benefit) (in millions):

	Years Ended December 31,
	2013			2012			2011
Current income tax expense:
U.S. federal	$	67		$	254		$	156
U.S. state and local	5			23			28
Non-U.S.	66			1			2
Total current	138			278			186
Deferred income tax expense:
U.S. federal	176			(4		)	51
U.S. state and local	7			5			(1		)
Non-U.S.	(4		)	2			—
Total deferred	179			3			50
Total income tax provision	$	317		$	281		$	236

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]

Our effective income tax rate on income before income taxes differs from the U.S. statutory rate as follows:

	Years Ended December 31,
	2013		2012		2011
U.S. statutory tax rate	35.0	%	35.0	%	35.0	%
Foreign income taxed at other than 35%	(1.7	)	—		—
State and local income taxes	1.1		1.2		1.3
U.S. tax on non-U.S. earnings	(1.7	)	—		—
Valuation allowance	3.4		—		—
Other	(0.2	)	1.6		1.7
Effective tax rate	35.9	%	37.8	%	38.0	%

Schedule of Deferred Tax Assets and Liabilities [Table Text Block]

	December 31, 2013			December 31, 2012
Deferred tax assets:
Net operating loss carryforward(a)	$	254		$	24
Market value difference of loan portfolio	117			111
Purchase accounting adjustments – assets	41			30
Purchase accounting adjustments – liabilities	15			5
Borrowing costs	11			10
Accruals	131			11
Income tax benefits from uncertain tax positions	31			40
Other	90			24
Total deferred tax assets before valuation allowance	690			255
Less: valuation allowance	(104		)
Total deferred tax assets	586			255
Deferred tax liabilities:
Capitalized direct loan origination costs	18			17
Fee income	32			31
Depreciable assets	153			71
Intangible assets	40			12
Accrued commissions	28			—
Deferred acquisition costs/revenue	30			—
Other	13			17
Total deferred tax liabilities	314			148
Net deferred tax asset	$	272		$	107