Income Taxes (Tables)

12 Months Ended

Dec. 31, 2014

Income Tax Disclosure [Abstract]

Schedule Of Income Tax Provision

The income tax provision consists of the following:

(In millions)	For the Years Ended December 31,
	2014		2013		2012
Income before provision for income taxes:	$	420.9	$	398.2	$	343.1
Current provision for income taxes:
Federal	$	90.9	$	128.4	$	94.9
State	7.3		7.4		3.5
	98.2		135.8		98.4
Deferred provision for income taxes:
Federal	52.0		8.7		23.6
State	4.1		0.1		1.4
	56.1		8.8		25.0
Interest and penalties expense (benefit):
Interest	0.4		0.5		—
Penalties	—		—		—
	0.4		0.5		—
Provision for income taxes	$	154.7	$	145.1	$	123.4

Schedule Of Deferred Tax Assets And Liabilities

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities consist of the following:

(In millions)	As of December 31,
	2014		2013
Deferred tax assets:
Allowance for credit losses	$	76.4	$	71.5
Stock-based compensation	14.8		12.6
Deferred state net operating loss	3.9		3.0
Other, net	9.2		7.9
Total deferred tax assets	104.3		95.0
Deferred tax liabilities:
Valuation of Loans receivable	306.5		242.3
Deferred Loan origination costs	2.7		3.3
Other, net	8.5		6.6
Total deferred tax liabilities	317.7		252.2
Net deferred tax liability	$	213.4	$	157.2

Schedule Of Reconciliation Of The U.S. Federal Statutory Rate To Effective Tax Rate

A reconciliation of the U.S. federal statutory rate to our effective tax rate is as follows:

	For the Years Ended December 31,
	2014		2013		2012
U.S. federal statutory rate	35.0	%	35.0	%	35.0	%
State income taxes	2.1	%	1.4	%	1.4	%
Changes in reserve for uncertain tax positions as a result of settlements and lapsed statutes and related interest	(0.4	)%	(0.3	)%	(0.6	)%
Other	0.1	%	0.3	%	0.2	%
Effective tax rate	36.8	%	36.4	%	36.0	%

Schedule Of Unrecognized Tax Benefits

The following table is a summary of changes in gross unrecognized tax benefits:

(In millions)	For the Years Ended December 31,
	2014			2013			2012
Unrecognized tax benefits at January 1,	$	13.2		$	11.0		$	10.0
Additions based on tax positions related to current year	5.5			3.6			3.1
Reductions for tax positions of prior years	(0.2		)	—			(0.4		)
Settlements	—			—			(0.2		)
Reductions as a result of a lapse of the statute of limitations	(1.9		)	(1.4		)	(1.5		)
Unrecognized tax benefits at December 31,	$	16.6		$	13.2		$	11.0