CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Operating activities:
Income from continuing operations, net of tax	$ 4,434	$ 6,864
Income (loss) from discontinued operations, net of tax	0	(3)
Net income	4,434	6,861
Adjustments to reconcile net income (loss) to net cash from operating activities:
Provision (benefit) for credit losses	1,762	(1,983)
Depreciation and amortization, net	1,623	1,714
Deferred tax provision (benefit)	(11)	574
Net securities losses (gains)	6	(4)
Gain on sales of loans	(181)	(5)
Stock-based compensation expense	172	206
Other (including (gains) and losses from equity investments)	20	38
Loans held for sale:
Originations and purchases	(4,040)	(3,233)
Proceeds from sales and paydowns	4,354	3,707
Changes in operating assets and liabilities:
Changes in interest receivable	(151)	99
Changes in other assets	(5,578)	(3,183)
Changes in interest payable	52	(51)
Changes in other liabilities	414	957
Net change from discontinued operations	(1)	(3)
Net cash from operating activities	2,875	5,694
Securities available for sale:
Purchases	(7,698)	(18,185)
Proceeds from paydowns and maturities	10,129	14,142
Proceeds from sales	2,240	595
Loans:
Net changes in loans originated as held for investment	(17,352)	(5,160)
Principal recoveries of loans previously charged off	1,092	1,308
Net purchases of premises and equipment	(423)	(341)
Net cash from acquisition activities	0	(24)
Net cash used in other investing activities	(490)	(26)
Net cash used in investing activities	(12,502)	(7,691)
Financing activities:
Changes in deposits	(2,913)	945
Issuance of securitized debt obligations	6,483	0
Maturities and paydowns of securitized debt obligations	(3,593)	(1,773)
Issuance of senior and subordinated notes and long-term FHLB advances	17,528	0
Maturities and paydowns of senior and subordinated notes and long-term FHLB advances	(2,357)	(2,085)
Changes in other borrowings	(391)	161
Common stock:
Net proceeds from issuances	138	120
Dividends paid	(487)	(365)
Preferred stock:
Net proceeds from issuances	0	1,641
Dividends paid	(114)	(121)
Purchases of treasury stock	(4,472)	(2,243)
Proceeds from share-based payment activities	1	34
Net cash from (used in) financing activities	9,823	(3,686)
Changes in cash, cash equivalents and restricted cash for securitization investors	196	(5,683)
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period	22,054	40,771
Cash, cash equivalents and restricted cash for securitization investors, end of the period	22,250	35,088
Non-cash items:
Net transfers from loans held for investment to loans held for sale	775	4,575
Interest paid	969	1,145
Income tax paid	$ 473	$ 1,013