Loans Receivable (Tables)

9 Months Ended

Sep. 30, 2012


(In thousands)	As of September 30, 2012
	Dealer Loans			Purchased Loans			Total
Loans receivable	$	1,807,701		$	239,780		$	2,047,481
Allowance for credit losses		(161,284	)		(9,479	)		(170,763	)
Loans receivable, net	$	1,646,417		$	230,301		$	1,876,718

(In thousands)	As of December 31, 2011
	Dealer Loans			Purchased Loans			Total
Loans receivable	$	1,506,539		$	246,352		$	1,752,891
Allowance for credit losses		(141,712	)		(12,606	)		(154,318	)
Loans receivable, net	$	1,364,827		$	233,746		$	1,598,573

Summary Of Changes In Loans Receivable


(In thousands)	For the Three Months Ended September 30, 2012
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	1,736,578			$	241,216			$	1,977,794
New Consumer Loan assignments (1)			293,379				25,238				318,617
Principal collected on Loans receivable			(252,398	)			(32,617	)			(285,015	)
Accelerated Dealer Holdback payments			9,884				0				9,884
Dealer Holdback payments			27,118				0				27,118
Transfers (2)			(5,946	)			5,946				0
Write-offs			(1,480	)			(26	)			(1,506	)
Recoveries (3)			582				23				605
Net change in other loans			(16	)			0				(16	)
Balance, end of period		$	1,807,701			$	239,780			$	2,047,481

(In thousands)	For the Three Months Ended September 30, 2011
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	1,331,973			$	250,932			$	1,582,905
New Consumer Loan assignments (1)			278,395				30,717				309,112
Principal collected on Loans receivable			(216,860	)			(36,970	)			(253,830	)
Accelerated Dealer Holdback payments			12,859				0				12,859
Dealer Holdback payments			23,985				0				23,985
Transfers (2)			(2,933	)			2,933				0
Write-offs			(736	)			(68	)			(804	)
Recoveries (3)			442				21				463
Net change in other loans			(259	)			0				(259	)
Balance, end of period		$	1,426,866			$	247,565			$	1,674,431


(In thousands)	For the Nine Months Ended September 30, 2012
	Dealer Loans			Purchased Loans			Total
Balance, beginning of period	$	1,506,539		$	246,352		$	1,752,891
New Consumer Loan assignments (1)		968,725			85,992			1,054,717
Principal collected on Loans receivable		(774,361	)		(108,252	)		(882,613	)
Accelerated Dealer Holdback payments		34,107			0			34,107
Dealer Holdback payments		89,734			0			89,734
Transfers (2)		(16,150	)		16,150			0
Write-offs		(2,483	)		(532	)		(3,015	)
Recoveries (3)		1,674			70			1,744
Net change in other loans		(84	)		0			(84	)
Balance, end of period	$	1,807,701		$	239,780		$	2,047,481

(In thousands)	For the Nine Months Ended September 30, 2011
	Dealer Loans			Purchased Loans			Total
Balance, beginning of period	$	1,082,039		$	262,842		$	1,344,881
New Consumer Loan assignments (1)		888,602			94,212			982,814
Principal collected on Loans receivable		(628,406	)		(119,836	)		(748,242	)
Accelerated Dealer Holdback payments		37,275			0			37,275
Dealer Holdback payments		58,734			0			58,734
Transfers (2)		(10,490	)		10,490			0
Write-offs		(1,563	)		(207	)		(1,770	)
Recoveries (3)		1,472			64			1,536
Net change in other loans		(797	)		0			(797	)
Balance, end of period	$	1,426,866		$	247,565		$	1,674,431

(1) The Dealer Loans amount represents advances paid to Dealers on Consumer Loans assigned under our Portfolio Program. The Purchased Loans amount represents one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program.

(2) Under our Portfolio Program, certain events may result in Dealers forfeiting their rights to Dealer Holdback. We transfer the Dealer’s outstanding Dealer Loan balance to Purchased Loans in the period this forfeiture occurs.

(3) Represents collections received on previously written off Loans.

Summary Of Changes In Accretable Yield


(In thousands)	For the Three Months Ended September 30, 2012
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	581,693			$	119,493			$	701,186
New Consumer Loan assignments (1)			127,728				10,790				138,518
Finance charge income			(117,780	)			(19,715	)			(137,495	)
Forecast changes			6,880				1,265				8,145
Transfers (2)			(2,580	)			4,240				1,660
Balance, end of period		$	595,941			$	116,073			$	712,014

(In thousands)	For the Three Months Ended September 30, 2011
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	462,478			$	123,561			$	586,039
New Consumer Loan assignments (1)			122,010				14,125				136,135
Finance charge income			(96,577	)			(21,328	)			(117,905	)
Forecast changes			5,211				2,791				8,002
Transfers (2)			(1,349	)			2,182				833
Balance, end of period		$	491,773			$	121,331			$	613,104


(In thousands)	For the Nine Months Ended September 30, 2012
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	508,046			$	120,082			$	628,128
New Consumer Loan assignments (1)			416,159				38,227				454,386
Finance charge income			(337,231	)			(60,332	)			(397,563	)
Forecast changes			16,322				6,406				22,728
Transfers (2)			(7,355	)			11,690				4,335
Balance, end of period		$	595,941			$	116,073			$	712,014

(In thousands)	For the Nine Months Ended September 30, 2011
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	351,569			$	124,520			$	476,089
New Consumer Loan assignments (1)			395,111				46,627				441,738
Finance charge income			(273,300	)			(64,938	)			(338,238	)
Forecast changes			23,440				6,659				30,099
Transfers (2)			(5,047	)			8,463				3,416
Balance, end of period		$	491,773			$	121,331			$	613,104

(1) The Dealer Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Portfolio Program, less the related advances paid to Dealers. The Purchased Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Purchase Program, less the related one-time payments made to Dealers.

(2) Under our Portfolio Program, certain events may result in Dealers forfeiting their rights to Dealer Holdback. We transfer the Dealer’s outstanding Dealer Loan balance and related expected future net cash flows to Purchased Loans in the period this forfeiture occurs.

Summary Of Information Related To New Consumer Loan Assignments

(In thousands)	For the Three Months Ended September 30, 2012
	Dealer Loans			Purchased Loans			Total
Contractual net cash flows at the time of assignment (1)		$	454,859		$	50,278		$	505,137
Expected net cash flows at the time of assignment (2)			421,107			36,028			457,135
Fair value at the time of assignment (3)			293,379			25,238			318,617

(In thousands)	For the Three Months Ended September 30, 2011
	Dealer Loans			Purchased Loans			Total
Contractual net cash flows at the time of assignment (1)		$	431,399		$	61,382		$	492,781
Expected net cash flows at the time of assignment (2)			400,405			44,842			445,247
Fair value at the time of assignment (3)			278,395			30,717			309,112


(In thousands)	For the Nine Months Ended September 30, 2012
	Dealer Loans			Purchased Loans			Total
Contractual net cash flows at the time of assignment (1)		$	1,495,980		$	173,176		$	1,669,156
Expected net cash flows at the time of assignment (2)			1,384,884			124,219			1,509,103
Fair value at the time of assignment (3)			968,725			85,992			1,054,717

(In thousands)	For the Nine Months Ended September 30, 2011
	Dealer Loans			Purchased Loans			Total
Contractual net cash flows at the time of assignment (1)		$	1,378,850		$	191,814		$	1,570,664
Expected net cash flows at the time of assignment (2)			1,283,713			140,839			1,424,552
Fair value at the time of assignment (3)			888,602			94,212			982,814

(1) The Dealer Loans amount represents the repayments that we were contractually owed at the time of assignment on Consumer Loans assigned under our Portfolio Program, less the related Dealer Holdback payments that we would be required to make if we collected all of the contractual repayments. The Purchased Loans amount represents the repayments that we were contractually owed at the time of assignment on Consumer Loans assigned under our Purchase Program.

(2) The Dealer Loans amount represents the repayments that we expected to collect at the time of assignment on Consumer Loans assigned under our Portfolio Program, less the related Dealer Holdback payments that we expected to make. The Purchased Loans amount represents the repayments that we expected to collect at the time of assignment on Consumer Loans assigned under our Purchase Program.

(3) The Dealer Loans amount represents advances paid to Dealers on Consumer Loans assigned under our Portfolio Program. The Purchased Loans amount represents one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program.

Schedule Of Consumer Loans Forecasted Collection Percentage [Text Block]


	Forecasted Collection Percentage as of (1)												Variance in Forecasted Collection Percentage from
Consumer Loan Assignment Year	September 30, 2012			June 30, 2012			December 31, 2011			Initial Forecast			June 30, 2012			December 31, 2011			Initial Forecast
2003		73.8	%		73.8	%		73.7	%		72.0	%		0.0	%		0.1	%		1.8	%
2004		73.0	%		73.0	%		73.0	%		73.0	%		0.0	%		0.0	%		0.0	%
2005		73.5	%		73.6	%		73.6	%		74.0	%		-0.1	%		-0.1	%		-0.5	%
2006		70.0	%		70.0	%		70.0	%		71.4	%		0.0	%		0.0	%		-1.4	%
2007		68.1	%		68.1	%		68.1	%		70.7	%		0.0	%		0.0	%		-2.6	%
2008		70.3	%		70.3	%		70.0	%		69.7	%		0.0	%		0.3	%		0.6	%
2009		79.5	%		79.6	%		79.4	%		71.9	%		-0.1	%		0.1	%		7.6	%
2010		77.2	%		77.1	%		76.8	%		73.6	%		0.1	%		0.4	%		3.6	%
2011		73.7	%		73.6	%		73.2	%		72.5	%		0.1	%		0.5	%		1.2	%
2012 (2)		71.6	%		71.9	%		-			71.1	%		-0.3	%		-			0.5	%

(1)	Represents the total forecasted collections we expect to collect on the Consumer Loans as a percentage of the repayments that we were contractually owed on the Consumer Loans at the time of assignment. Contractual repayments include both principal and interest.

(2)

The forecasted collection rate for 2012 Consumer Loans as of September 30, 2012 includes both Consumer Loans that were in our portfolio as of June 30, 2012 and Consumer Loans assigned during the most recent quarter. The following table provides forecasted collection rates for each of these segments:


	Forecasted Collection Percentage as of
2012 Consumer Loan Assignment Period	September 30, 2012			June 30, 2012			Variance
January 1, 2012 through June 30, 2012		72.0	%		71.9	%		0.1	%
July 1, 2012 through September 30, 2012		70.6	%		-			-

Schedule Of Consumer Loans Performance


(In thousands)	As of September 30, 2012
	Loan Pool Performance Meets or Exceeds Initial Estimates						Loan Pool Performance Less than Initial Estimates
	Dealer Loans		Purchased Loans		Total		Dealer Loans			Purchased Loans			Total
Loans receivable	$	572,223	$	196,367	$	768,590	$	1,235,479		$	43,413		$	1,278,892
Allowance for credit losses		0		0		0		(161,284	)		(9,479	)		(170,763	)
Loans receivable, net	$	572,223	$	196,367	$	768,590	$	1,074,195		$	33,934		$	1,108,129

(In thousands)	As of December 31, 2011
	Loan Pool Performance Meets or Exceeds Initial Estimates						Loan Pool Performance Less than Initial Estimates
	Dealer Loans		Purchased Loans		Total		Dealer Loans			Purchased Loans			Total
Loans receivable	$	511,926	$	192,502	$	704,428	$	994,613		$	53,850		$	1,048,463
Allowance for credit losses		0		0		0		(141,712	)		(12,606	)		(154,318	)
Loans receivable, net	$	511,926	$	192,502	$	704,428	$	852,901		$	41,244		$	894,145

Summary Of Changes In Allowance For Credit Losses

(In thousands)	For the Three Months Ended September 30, 2012
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	152,031			$	9,874			$	161,905
Provision for credit losses			10,151				(392	)			9,759
Write-offs			(1,480	)			(26	)			(1,506	)
Recoveries (1)			582				23				605
Balance, end of period		$	161,284			$	9,479			$	170,763

(In thousands)	For the Three Months Ended September 30, 2011
	Dealer Loans				Purchased Loans				Total
Balance, beginning of period		$	131,728			$	13,091			$	144,819
Provision for credit losses			4,723				(173	)			4,550
Write-offs			(736	)			(68	)			(804	)
Recoveries (1)			442				21				463
Balance, end of period		$	136,157			$	12,871			$	149,028


(In thousands)	For the Nine Months Ended September 30, 2012
	Dealer Loans			Purchased Loans			Total
Balance, beginning of period	$	141,712		$	12,606		$	154,318
Provision for credit losses		20,381			(2,665	)		17,716
Write-offs		(2,483	)		(532	)		(3,015	)
Recoveries (1)		1,674			70			1,744
Balance, end of period	$	161,284		$	9,479		$	170,763

(In thousands)	For the Nine Months Ended September 30, 2011
	Dealer Loans			Purchased Loans			Total
Balance, beginning of period	$	113,227		$	13,641		$	126,868
Provision for credit losses		23,021			(627	)		22,394
Write-offs		(1,563	)		(207	)		(1,770	)
Recoveries (1)		1,472			64			1,536
Balance, end of period	$	136,157		$	12,871		$	149,028

(1) Represents collections received on previously written off Loans.