10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)



x	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
	For the quarterly period ended March 31, 2016



o	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
	For the transition period from to

Commission File Number 001-33378

DISCOVER FINANCIAL SERVICES

(Exact name of registrant as specified in its charter)



Delaware		36-2517428
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

2500 Lake Cook Road, Riverwoods, Illinois 60015		(224) 405-0900
(Address of principal executive offices, including zip code)		(Registrant’s telephone number, including area code)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No o

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x No o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.



Large accelerated filer x	Accelerated filer o
Non-accelerated filer o (Do not check if a smaller reporting company)	Smaller reporting company o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes o No x

As of April 22, 2016, there were 412,225,311 shares of the registrant’s Common Stock, par value $0.01 per share, outstanding.

DISCOVER FINANCIAL SERVICES

Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2016

TABLE OF CONTENTS



Part I	FINANCIAL INFORMATION
Item 1.	Financial Statements	1
Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	43
Item 3.	Quantitative and Qualitative Disclosures about Market Risk	66
Item 4.	Controls and Procedures	67
Part II	OTHER INFORMATION
Item 1.	Legal Proceedings	68
Item 1A.	Risk Factors	68
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	68
Item 3.	Defaults Upon Senior Securities	68
Item 4.	Mine Safety Disclosures	68
Item 5.	Other Information	68
Item 6.	Exhibits	68

Except as otherwise indicated or unless the context otherwise requires, “Discover Financial Services,” “Discover,” “DFS,” “we,” “us,” “our,” and “the Company” refer to Discover Financial Services and its subsidiaries.

We own or have rights to use the trademarks, trade names and service marks that we use in conjunction with the operation of our business, including, but not limited to: Discover^®, PULSE^®, Cashback Bonus^®, Discover Cashback Checking^®, Discover it^®, Freeze It^SM, Discover^® Network and Diners Club International^®. All other trademarks, trade names and service marks included in this quarterly report on Form 10-Q are the property of their respective owners.

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Part I.	FINANCIAL INFORMATION


Item 1.	Financial Statements

DISCOVER FINANCIAL SERVICES

Condensed Consolidated Statements of Financial Condition



	March 31, 2016			December 31, 2015
	(unaudited) (dollars in millions, except share amounts)
Assets
Cash and cash equivalents	$	12,135		$	9,572
Restricted cash	1,010			99
Investment securities (includes $2,824 and $2,963 at fair value at March 31, 2016 and December 31, 2015, respectively)	2,956			3,084
Loan receivables
Loan receivables	70,320			72,385
Allowance for loan losses	(1,921		)	(1,869		)
Net loan receivables	68,399			70,516
Premises and equipment, net	706			693
Goodwill	255			255
Intangible assets, net	167			168
Other assets	2,465			2,412
Total assets	$	88,093		$	86,799
Liabilities and Stockholders’ Equity
Deposits
Interest-bearing deposit accounts	$	48,055		$	47,094
Non-interest bearing deposit accounts	410			437
Total deposits	48,465			47,531
Long-term borrowings	24,752			24,650
Accrued expenses and other liabilities	3,560			3,343
Total liabilities	76,777			75,524
Commitments, contingencies and guarantees (Notes 9, 12 and 13)
Stockholders’ Equity:
Common stock, par value $0.01 per share; 2,000,000,000 shares authorized; 562,210,058 and 560,679,352 shares issued at March 31, 2016 and December 31, 2015, respectively	5			5
Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 575,000 shares issued and outstanding and aggregate liquidation preference of $575 at March 31, 2016 and December 31, 2015	560			560
Additional paid-in capital	3,913			3,885
Retained earnings	13,698			13,250
Accumulated other comprehensive loss	(172		)	(160		)
Treasury stock, at cost; 147,983,359 and 139,000,423 shares at March 31, 2016 and December 31, 2015, respectively	(6,688		)	(6,265		)
Total stockholders’ equity	11,316			11,275
Total liabilities and stockholders’ equity	$	88,093		$	86,799

Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

The table below presents the carrying amounts of certain assets and liabilities of Discover Financial Services’ consolidated variable interest entities ("VIEs") which are included in the condensed consolidated statements of financial condition above. The assets in the table below include those assets that can only be used to settle obligations of the consolidated VIEs. The liabilities in the table below include third-party liabilities of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation. The liabilities also exclude amounts for which creditors have recourse to the general credit of Discover Financial Services.



	March 31, 2016			December 31, 2015
	(unaudited) (dollars in millions)
Assets
Restricted cash	$	1,010		$	99
Loan receivables	$	28,761		$	30,551
Allowance for loan losses allocated to securitized loan receivables	$	(811	)	$	(811	)
Other assets	$	6		$	5
Liabilities
Long-term borrowings	$	16,779		$	16,735
Accrued expenses and other liabilities	$	13		$	12

See Notes to the Condensed Consolidated Financial Statements.

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DISCOVER FINANCIAL SERVICES

Condensed Consolidated Statements of Income



	For the Three Months Ended March 31,
	2016		2015
	(unaudited) (dollars in millions, except per share amounts)
Interest income
Credit card loans	$	1,733	$	1,606
Other loans	326		304
Investment securities	11		13
Other interest income	14		6
Total interest income	2,084		1,929
Interest expense
Deposits	162		152
Short-term borrowings	—		1
Long-term borrowings	172		147
Total interest expense	334		300
Net interest income	1,750		1,629
Provision for loan losses	424		390
Net interest income after provision for loan losses	1,326		1,239
Other income
Discount and interchange revenue, net	273		268
Protection products revenue	61		71
Loan fee income	80		81
Transaction processing revenue	36		42
Gain on investments	—		8
Gain on origination and sale of mortgage loans	—		40
Other income	24		32
Total other income	474		542
Other expense
Employee compensation and benefits	345		331
Marketing and business development	162		182
Information processing and communications	88		88
Professional fees	160		127
Premises and equipment	24		24
Other expense	107		121
Total other expense	886		873
Income before income tax expense	914		908
Income tax expense	339		322
Net income	$	575	$	586
Net income allocated to common stockholders	$	562	$	573
Basic earnings per common share	$	1.35	$	1.28
Diluted earnings per common share	$	1.35	$	1.28
Dividends declared per common share	$	0.28	$	0.24

See Notes to the Condensed Consolidated Financial Statements.

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DISCOVER FINANCIAL SERVICES

Condensed Consolidated Statements of Comprehensive Income



	For the Three Months Ended March 31,
	2016			2015
	(unaudited) (dollars in millions)
Net income	$	575		$	586
Other comprehensive income (loss), net of taxes
Unrealized gain on available-for-sale investment securities, net of tax	14			—
Unrealized loss on cash flow hedges, net of tax	(26		)	(23		)
Other comprehensive loss	(12		)	(23		)
Comprehensive income	$	563		$	563

See Notes to the Condensed Consolidated Financial Statements.

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DISCOVER FINANCIAL SERVICES

Condensed Consolidated Statements of Changes in Stockholders’ Equity



							Additional Paid-in Capital		Retained Earnings			Accumulated Other Comprehensive Loss			Treasury Stock			Total Stockholders’ Equity
	Preferred Stock			Common Stock
	Shares	Amount		Shares	Amount
	(unaudited) (dollars in millions, shares in thousands)
Balance at December 31, 2014	575	$	560	558,194	$	5	$	3,790	$	11,467		$	(138	)	$	(4,550	)	$	11,134
Net income	—	—		—	—		—		586			—			—			586
Other comprehensive loss	—	—		—	—		—		—			(23		)	—			(23		)
Purchases of treasury stock	—	—		—	—		—		—			—			(420		)	(420		)
Common stock issued under employee benefit plans	—	—		18	—		1		—			—			—			1
Common stock issued and stock-based compensation expense	—	—		2,330	—		50		—			—			—			50
Dividends — common stock	—	—		—	—		—		(108		)	—			—			(108		)
Dividends — preferred stock	—	—		—	—		—		(9		)	—			—			(9		)
Balance at March 31, 2015	575	$	560	560,542	$	5	$	3,841	$	11,936		$	(161	)	$	(4,970	)	$	11,211

Balance at December 31, 2015	575	$	560	560,679	$	5	$	3,885	$	13,250		$	(160	)	$	(6,265	)	$	11,275
Net income	—	—		—	—		—		575			—			—			575
Other comprehensive loss	—	—		—	—		—		—			(12		)	—			(12		)
Purchases of treasury stock	—	—		—	—				—			—			(423		)	(423		)
Common stock issued under employee benefit plans	—	—		21	—		1		—			—			—			1
Common stock issued and stock-based compensation expense	—	—		1,510	—		27		—			—			—			27
Dividends — common stock	—	—		—	—		—		(118		)	—			—			(118		)
Dividends — preferred stock	—	—		—	—		—		(9		)	—			—			(9		)
Balance at March 31, 2016	575	$	560	562,210	$	5	$	3,913	$	13,698		$	(172	)	$	(6,688	)	$	11,316

See Notes to the Condensed Consolidated Financial Statements.

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DISCOVER FINANCIAL SERVICES

Condensed Consolidated Statements of Cash Flows



	For the Three Months Ended March 31,
	2016			2015
	(unaudited) (dollars in millions)
Cash flows from operating activities
Net income	$	575		$	586
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	424			390
Depreciation and amortization	84			95
Amortization of deferred revenues and accretion of accretable yield on acquired loans	(98		)	(113		)
Net loss (gain) on origination and sale of loans, investments and other assets	13			(36		)
Proceeds from sale of mortgage loans originated for sale	—			1,083
Net principal disbursed on mortgage loans originated for sale	—			(1,110		)
Other, net	4			(8		)
Changes in assets and liabilities:
Increase in other assets	(33		)	(40		)
Increase in accrued expenses and other liabilities	189			216
Net cash provided by operating activities	1,158			1,063

Cash flows from investing activities
Maturities and sales of available-for-sale investment securities	158			1,188
Maturities of held-to-maturity investment securities	5			2
Purchases of held-to-maturity investment securities	(16		)	(17		)
Net principal repaid on loans originated for investment	1,793			2,129
Purchases of other investments	(1		)	(5		)
Increase in restricted cash	(911		)	(3		)
Purchases of premises and equipment	(46		)	(41		)
Net cash provided by investing activities	982			3,253

Cash flows from financing activities
Net increase in short-term borrowings	—			53
Proceeds from issuance of securitized debt	991			950
Maturities and repayment of securitized debt	(980		)	(1,083		)
Proceeds from issuance of other long-term borrowings	38			499
Proceeds from issuance of common stock	1			1
Purchases of treasury stock	(423		)	(420		)
Net increase in deposits	925			333
Dividends paid on common and preferred stock	(129		)	(119		)
Net cash provided by financing activities	423			214
Net increase in cash and cash equivalents	2,563			4,530
Cash and cash equivalents, at beginning of period	9,572			7,284
Cash and cash equivalents, at end of period	$	12,135		$	11,814

See Notes to the Condensed Consolidated Financial Statements.

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Notes to the Condensed Consolidated Financial Statements

(unaudited)


1.	Background and Basis of Presentation

Description of Business

Discover Financial Services (“DFS” or the “Company”) is a direct banking and payment services company. The Company is a bank holding company under the Bank Holding Company Act of 1956 as well as a financial holding company under the Gramm-Leach-Bliley Act and therefore is subject to oversight, regulation and examination by the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Company provides direct banking products and services and payment services through its subsidiaries. The Company offers its customers credit card loans, private student loans, personal loans, home equity loans and deposit products. The Company also operates the Discover Network, the PULSE network (“PULSE”) and Diners Club International (“Diners Club”). The Discover Network processes transactions for Discover-branded credit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally, as well as point-of-sale terminals at retail locations throughout the U.S. for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded charge cards and/or provide card acceptance services.

The Company’s business segments are Direct Banking and Payment Services. The Direct Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home equity loans, and other consumer lending and deposit products. The majority of Direct Banking revenues relate to interest income earned on the segment's loan products. Additionally, the Company's credit card products generate substantially all revenues related to discount and interchange, protection products and loan fee income.

The Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and the Company’s Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue (included in other income) from Diners Club.

Basis of Presentation

The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments which are necessary for a fair presentation of the results for the interim period. All such adjustments are of a normal, recurring nature. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates. These interim condensed consolidated financial statements should be read in conjunction with the Company’s 2015 audited consolidated financial statements filed with the Company’s annual report on Form 10-K for the year ended December 31, 2015.

Change in Accounting Principle

In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-03, Interest—-Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which makes the presentation of debt issuance costs consistent with that of debt discounts and premiums. This ASU requires that debt issuance costs related to a recognized liability be presented in the balance sheet as a direct deduction from the carrying amount of that liability. Before becoming effective for the Company on January 1, 2016, these costs were recorded as deferred charges presented in other assets on the consolidated statements of financial condition. The guidance requires retrospective application in the financial statements. As such, some balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of a related liability. The impact of adopting this ASU was a reduction of other assets of $137 million, a reduction of long-term borrowings of $74 million and a reduction of deposits of $63 million at December 31, 2015. There was no impact to the consolidated statements of income.

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Recently Issued Accounting Pronouncements

In March 2016, the FASB issued ASU No. 2016-09, Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting. This ASU requires excess tax benefits and tax deficiencies, which arise due to differences between the measure of compensation expense and the amount deductible for tax purposes, to be recorded directly through the income statement as a component of income tax expense. Under current GAAP, these differences are generally recorded in additional paid-in capital and thus have no impact on net income today. The change in treatment of excess tax benefits and tax deficiencies will also impact the computation of diluted earnings per share, and the cash flows associated with those items will be classified as operating activities on the statement of cash flows. The ASU will permit certain elective changes associated with stock compensation accounting. For example, companies can elect to account for forfeitures of awards as they occur rather than projecting forfeitures in the accrual of compensation expense. In addition, the ASU increases the proportion of shares an employer is permitted (though not required) to withhold on behalf of an employee to satisfy the employee’s income tax burden on a share-based award without causing the award to become subject to liability accounting. This ASU will become effective for the Company on January 1, 2017 and management is in the process of evaluating its impact. Upon adoption, the cumulative amounts associated with previous excess tax benefits will be reclassified from additional paid-in capital to retained earnings.

In March 2016, the FASB issued ASU No. 2016-08, Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net). The guidance in this ASU provides clarification on the principal versus agent concept in relation to revenue recognition guidance issued as part of ASU 2014-09, Revenue from Contracts with Customers (Topic 606). Topic 606 requires a company to determine whether it is a principal or an agent in a transaction in which another party is involved in providing goods or services to a customer by evaluating the nature of its promise to the customer. ASU 2016-08 provides clarification for identifying the good, service or right being transferred in a revenue transaction and identifies the principal as the party that controls the good, service or right prior to its transfer to the customer. The ASU provides further clarity on how to evaluate control in this context. This guidance will become effective for the Company on January 1, 2018 and management is evaluating the impact of these changes as part of its overall evaluation of ASU 2014-09.

In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). The guidance will require lessees to capitalize most leases on their balance sheet whereas under current GAAP only capital leases are recognized on the lessee’s balance sheet. Leases which today are identified as capital leases will generally be identified as financing leases under the new guidance but otherwise their accounting treatment will remain relatively unchanged. Leases identified today as operating leases will generally remain in that category under the new standard, but both a right-of-use asset and a liability for remaining lease payments will now be required to be recognized on the balance sheet for this type of lease. The manner in which expenses associated with all leases are reported on the income statement will remain mostly unchanged. Lessor accounting also remains substantially unchanged by the new standard. The new guidance will become effective for the Company on January 1, 2019 and management is in the process of evaluating its impact.

In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. The ASU will have limited impact on the Company since it does not change the guidance for classifying and measuring investments in debt securities or loans. The standard requires entities to measure certain cost-method equity investments at fair value with changes in value recognized in net income. Equity investments that do not have readily determinable fair values will be carried at cost, less any impairment, plus or minus changes resulting from any observable price changes in orderly transactions for an identical or similar investment of the same issuer. This ASU requires public entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans) on the balance sheet or the accompanying notes to the financial statements. This ASU will become effective for the Company on January 1, 2018 and is not expected to have a material impact to the financial statements.

In April 2015, the FASB issued ASU No. 2015-05, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement. This ASU addresses whether a cloud computing arrangement contains a software license. Under this ASU a cloud computing arrangement contains a software license if the customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty and provided it is feasible for the customer to either host the software internally or with an external party unrelated to the original vendor. Upon meeting both of these criteria, a customer should account for the software license within a cloud computing arrangement in a manner consistent with the acquisition of other software licenses. This could potentially change the timing of expense recognition associated with the contract. If a cloud computing

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arrangement does not meet both criteria, a customer will account for the arrangement entirely as a service contract. This ASU became effective for the Company on January 1, 2016. Management determined there were no existing contractual arrangements impacted by this ASU. The new guidance will be applied to any new contractual arrangements that meet the criteria discussed above.

In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis. The guidance in this ASU was issued to improve targeted areas of the accounting rules for consolidation. This ASU changes the analysis companies will use to determine if certain types of legal entities should be consolidated. In addition, it modifies the determination of whether a limited liability entity should be evaluated as a variable interest entity ("VIE") or a voting interest entity and eliminates the presumption that a general partner should consolidate a limited partnership. The new amendment became effective for the Company on January 1, 2016. The amendments primarily triggered a review of the Company’s tax credit investments, which typically utilize limited liability entities. As a result of that review, management determined that its prior conclusions associated with the Company's tax credit investments continue to be appropriate.

In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606). The guidance in this ASU supersedes existing revenue recognition requirements in Topic 605, Revenue Recognition, including an assortment of transaction-specific and industry-specific rules. This ASU establishes a principles-based model under which revenue from a contract is allocated to the distinct performance obligations within the contract and recognized in income as each performance obligation is satisfied. ASU Topic 606 does not apply to rights or obligations associated with financial instruments (for example, interest income from loans or investments, or interest expense on debt), and therefore the Company’s net interest income should not be affected. The Company’s revenue from discount and interchange, protection products, transaction processing and certain fees are within the scope of these rules. Throughout 2015, management followed the discussions of the FASB and its Transition Resource Group pertaining to credit card arrangements, loyalty programs, and transaction processing arrangements, and how the new revenue recognition rules should be interpreted for each. Based on those discussions, management is considering the comments made as part of those discussions in its ongoing evaluation of the new standard. Management expects to complete its evaluation of the impact of this amendment in 2016. The new revenue recognition model will become effective for the Company on January 1, 2018. Upon adoption in 2018, as appropriate, the Company will record an adjustment to retained earnings as of the beginning of the year of initial application, which can be either the earliest comparative period presented, with all periods presented under the new rules, or January 1, 2018, without restating prior periods presented. Management has not yet determined which transition reporting option it will apply.


2.	Business Dispositions

On June 16, 2015, the Company announced the closing of the mortgage origination business it acquired in 2012, which was part of its Direct Banking segment. The disposition represented the exiting of an ancillary business and did not have a major impact on the Company’s operations.


3.	Investments

The Company’s investment securities consist of the following (dollars in millions):

	March 31, 2016		December 31, 2015
U.S. Treasury securities⁽¹⁾	$	1,181	$	1,273
U.S. government agency securities	492		494
States and political subdivisions of states	5		7
Residential mortgage-backed securities - Agency⁽²⁾	1,278		1,310
Total investment securities	$	2,956	$	3,084


(1)	Includes $20 million and $7 million of U.S. Treasury securities pledged as swap collateral in lieu of cash as of March 31, 2016 and December 31, 2015, respectively.


(2)	Consists of residential mortgage-backed securities issued by Fannie Mae, Freddie Mac and Ginnie Mae.

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The amortized cost, gross unrealized gains and losses, and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
At March 31, 2016
Available-for-Sale Investment Securities⁽¹⁾
U.S. Treasury securities	$	1,177	$	3	$	—		$	1,180
U.S. government agency securities	491		1		—			492
Residential mortgage-backed securities - Agency	1,134		18		—			1,152
Total available-for-sale investment securities	$	2,802	$	22	$	—		$	2,824
Held-to-Maturity Investment Securities⁽²⁾
U.S. Treasury securities⁽³⁾	$	1	$	—	$	—		$	1
States and political subdivisions of states	5		—		—			5
Residential mortgage-backed securities - Agency⁽⁴⁾	126		3		—			129
Total held-to-maturity investment securities	$	132	$	3	$	—		$	135

At December 31, 2015
Available-for-Sale Investment Securities⁽¹⁾
U.S. Treasury securities	$	1,277	$	1	$	(6	)	$	1,272
U.S. government agency securities	492		2		—			494
Residential mortgage-backed securities - Agency	1,195		6		(4		)	1,197
Total available-for-sale investment securities	$	2,964	$	9	$	(10	)	$	2,963
Held-to-Maturity Investment Securities⁽²⁾
U.S. Treasury securities⁽³⁾	$	1	$	—	$	—		$	1
States and political subdivisions of states	7		—		—			7
Residential mortgage-backed securities - Agency⁽⁴⁾	113		1		—			114
Total held-to-maturity investment securities	$	121	$	1	$	—		$	122


(1)	Available-for-sale investment securities are reported at fair value.


(2)	Held-to-maturity investment securities are reported at amortized cost.


(3)	Amount represents securities pledged as collateral to a government-related merchant for which transaction settlement occurs beyond the normal 24-hour period.


(4)	Amounts represent residential mortgage-backed securities that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.

The following table provides information about investment securities with aggregate gross unrealized losses and the length of time that individual investment securities have been in a continuous unrealized loss position (dollars in millions):

	Number of Securities in a Loss Position	Less than 12 months					More than 12 months
	Number of Securities in a Loss Position	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
At December 31, 2015
Available-for-Sale Investment Securities
U.S. Treasury securities	1	$	670	$	(6	)	$	—	$	—
Residential mortgage-backed securities - Agency	15	$	486	$	(4	)	$	—	$	—

Aggregate gross unrealized losses were not material as of March 31, 2016. There were no losses related to other-than-temporary impairments during the three months ended March 31, 2016 and 2015.

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The following table provides information about proceeds from sales, recognized gains and losses and net unrealized gains and losses on available-for-sale securities (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Proceeds from the sales of available-for-sale investment securities	$	—	$	899
Gain on sales of available-for-sale investment securities	$	—	$	8
Net unrealized gain recorded in other comprehensive income, before-tax	$	23	$	—
Net unrealized gain recorded in other comprehensive income, after-tax	$	14	$	—

Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the table below (dollars in millions):

	One Year or Less		After One Year Through Five Years		After Five Years Through Ten Years		After Ten Years		Total
At March 31, 2016
Available-for-Sale Investment Securities—Amortized Cost
U.S. Treasury securities	$	500	$	677	$	—	$	—	$	1,177
U.S. government agency securities	491		—		—		—		491
Residential mortgage-backed securities - Agency	—		—		359		775		1,134
Total available-for-sale investment securities	$	991	$	677	$	359	$	775	$	2,802
Held-to-Maturity Investment Securities—Amortized Cost
U.S. Treasury securities	$	1	$	—	$	—	$	—	$	1
State and political subdivisions of states	—		—		—		5		5
Residential mortgage-backed securities - Agency	—		—		—		126		126
Total held-to-maturity investment securities	$	1	$	—	$	—	$	131	$	132
Available-for-Sale Investment Securities—Fair Values
U.S. Treasury securities	$	501	$	679	$	—	$	—	$	1,180
U.S. government agency securities	492		—		—		—		492
Residential mortgage-backed securities - Agency	—		—		363		789		1,152
Total available-for-sale investment securities	$	993	$	679	$	363	$	789	$	2,824
Held-to-Maturity Investment Securities—Fair Values
U.S. Treasury securities	$	1	$	—	$	—	$	—	$	1
State and political subdivisions of states	—		—		—		5		5
Residential mortgage-backed securities - Agency	—		—		—		129		129
Total held-to-maturity investment securities	$	1	$	—	$	—	$	134	$	135

Other Investments

As a part of the Company's community reinvestment initiatives, the Company has made equity investments in certain limited partnerships and limited liability companies that finance the construction and rehabilitation of affordable rental housing, as well as stimulate economic development in low to moderate income communities. These investments are accounted for using the equity method of accounting and are recorded within other assets. The related commitment for future investments is recorded in accrued expenses and other liabilities within the condensed consolidated statements of financial condition. The portion of each investment's operating results allocable to the Company is recorded in other expense within the condensed consolidated statements of income. The Company earns a return primarily through the receipt of tax credits allocated to the affordable housing projects and the community revitalization projects. These investments are not consolidated as the Company does not have a controlling financial interest in the entities. As of March 31, 2016 and December 31, 2015, the Company had outstanding investments in these entities of $315 million and $328 million, respectively, and related contingent liabilities of $56 million and $57 million, respectively. Of the above outstanding equity investments, the Company had $233 million and $238 million, respectively, of investments related to affordable housing projects, which had $56 million and $57 million related contingent liabilities as of March 31, 2016 and December 31, 2015, respectively.

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4.	Loan Receivables

The Company has three loan portfolio segments: credit card loans, other loans and purchased credit-impaired ("PCI") loans.

The Company's classes of receivables within the three portfolio segments are depicted in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Loan receivables
Credit card loans⁽¹⁾	$	55,620		$	57,896
Other loans
Personal loans	5,534			5,490
Private student loans	5,949			5,647
Other	252			236
Total other loans	11,735			11,373
Purchased credit-impaired loans⁽²⁾	2,965			3,116
Total loan receivables	70,320			72,385
Allowance for loan losses	(1,921		)	(1,869		)
Net loan receivables	$	68,399		$	70,516


(1)	Amounts include $20.9 billion and $21.6 billion underlying investors’ interest in trust debt at March 31, 2016 and December 31, 2015 and $6.2 billion and $7.2 billion in seller's interest at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities for further information.


(2)	Amounts include $1.6 billion and $1.7 billion of loans pledged as collateral against the notes issued from the Student Loan Corporation ("SLC") securitization trusts at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities.

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Credit Quality Indicators

The Company regularly reviews its collection experience (including delinquencies and net charge-offs) in determining its allowance for loan losses.

Information related to the delinquent and non-accruing loans in the Company’s loan portfolio is shown below by each class of loan receivables except for PCI student loans, which is shown under the heading “— Purchased Credit-Impaired Loans” (dollars in millions):

	30-89 Days Delinquent		90 or More Days Delinquent		Total Past Due		90 or More Days Delinquent and Accruing		Total Non-accruing⁽¹⁾
At March 31, 2016
Credit card loans⁽²⁾	$	454	$	480	$	934	$	427	$	190
Other loans
Personal loans⁽³⁾	40		14		54		13		6
Private student loans (excluding PCI)⁽⁴⁾	78		36		114		36		—
Other	2		1		3		—		20
Total other loans (excluding PCI)	120		51		171		49		26
Total loan receivables (excluding PCI)	$	574	$	531	$	1,105	$	476	$	216

At December 31, 2015
Credit card loans⁽²⁾	$	505	$	490	$	995	$	422	$	198
Other loans
Personal loans⁽³⁾	34		15		49		13		6
Private student loans (excluding PCI)⁽⁴⁾	84		24		108		25		—
Other	—		1		1		—		20
Total other loans (excluding PCI)	118		40		158		38		26
Total loan receivables (excluding PCI)	$	623	$	530	$	1,153	$	460	$	224

(1)

The Company estimates that the gross interest income that would have been recorded in accordance with the original terms of non-accruing credit card loans was $8 million and $7 million for the three months ended March 31, 2016 and 2015, respectively. The Company does not separately track the amount of gross interest income that would have been recorded in accordance with the original terms of loans. This amount was estimated based on customers' current balances and most recent interest rates.


(2)	Credit card loans that are 90 or more days delinquent and accruing interest include $44 million and $42 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015, respectively.


(3)	Personal loans that are 90 or more days delinquent and accruing interest include $4 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.


(4)	Private student loans that are 90 or more days delinquent and accruing interest include $3 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.

Information related to the net charge-offs in the Company's loan portfolio is shown below by each class of loan receivables except for PCI student loans, which is shown under the heading "— Purchased Credit-Impaired Loans" (dollars in millions):

	For the Three Months Ended March 31,
	2016				2015
	Net Charge-offs		Net Charge-off Rate		Net Charge-offs		Net Charge-off Rate
Credit card loans	$	326	2.34	%	$	319	2.40	%
Other loans
Personal loans	34		2.45	%	28		2.22	%
Private student loans (excluding PCI)	12		0.85	%	13		1.03	%
Total other loans (excluding PCI)	46		1.59	%	41		1.58	%
Net charge-offs as a percentage of total loans (excluding PCI)	$	372	2.21	%	$	360	2.26	%
Net charge-offs as a percentage of total loans (including PCI)	$	372	2.11	%	$	360	2.14	%

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As part of credit risk management activities, on an ongoing basis, the Company reviews information related to the performance of a customer’s account with the Company as well as information from credit bureaus, such as FICO or other credit scores, relating to the customer’s broader credit performance. FICO scores are generally obtained at origination of the account and are refreshed monthly or quarterly thereafter to assist in predicting customer behavior. Historically, the Company has noted that a significant proportion of delinquent accounts have FICO scores below 660.

The following table provides the most recent FICO scores available for the Company’s customers as a percentage of each class of loan receivables:

	Credit Risk Profile by FICO Score
	660 and Above		Less than 660 or No Score
At March 31, 2016
Credit card loans	82	%	18	%
Personal loans	96	%	4	%
Private student loans (excluding PCI)⁽¹⁾	96	%	4	%

At December 31, 2015
Credit card loans	83	%	17	%
Personal loans	96	%	4	%
Private student loans (excluding PCI)⁽¹⁾	96	%	4	%


(1)	PCI loans are discussed under the heading "— Purchased Credit-Impaired Loans."

For private student loans, additional credit risk management activities include monitoring the amount of loans in forbearance. Forbearance allows borrowers experiencing temporary financial difficulties and willing to make payments, the ability to temporarily suspend payments. Eligible borrowers have a lifetime cap on forbearance of 12 months. At March 31, 2016 and December 31, 2015, there were $31 million of private student loans, including PCI, in forbearance, which represent 0.5% of total student loans in repayment and forbearance.

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Allowance for Loan Losses

The following tables provide changes in the Company’s allowance for loan losses (dollars in millions):

	For the Three Months Ended March 31, 2016
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,554		$	155		$	143		$	17	$	1,869
Additions
Provision for loan losses	362			44			17			1		424
Deductions
Charge-offs	(439		)	(39		)	(15		)	—		(493		)
Recoveries	113			5			3			—		121
Net charge-offs	(326		)	(34		)	(12		)	—		(372		)
Balance at end of period	$	1,590		$	165		$	148		$	18	$	1,921

	For the Three Months Ended March 31, 2015
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,474		$	120		$	135		$	17	$	1,746
Additions
Provision for loan losses	337			31			20			2		390
Deductions
Charge-offs	(428		)	(31		)	(15		)	—		(474		)
Recoveries	109			3			2			—		114
Net charge-offs	(319		)	(28		)	(13		)	—		(360		)
Balance at end of period	$	1,492		$	123		$	142		$	19	$	1,776


(1)	Includes both PCI and non-PCI private student loans.

Net charge-offs of principal are recorded against the allowance for loan losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Interest and fees accrued subsequently charged off, net of recoveries (recorded as a reduction of interest income)	$	69	$	75
Fees accrued subsequently charged off, net of recoveries (recorded as a reduction to other income)	$	17	$	20

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The following tables provide additional detail of the Company’s allowance for loan losses and recorded investment in its loan portfolio by impairment methodology (dollars in millions):

	Credit Card		Personal Loans		Student Loans⁽³⁾		Other Loans⁽⁴⁾		Total
At March 31, 2016
Allowance for loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	1,430	$	149	$	96	$	1	$	1,676
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	160		16		16		17		209
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		36		—		36
Total allowance for loan losses	$	1,590	$	165	$	148	$	18	$	1,921
Recorded investment in loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	54,600	$	5,464	$	5,896	$	194	$	66,154
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	1,020		70		53		58		1,201
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		2,965		—		2,965
Total recorded investment	$	55,620	$	5,534	$	8,914	$	252	$	70,320

At December 31, 2015
Allowance for loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	1,394	$	140	$	92	$	1	$	1,627
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	160		15		15		16		206
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		36		—		36
Total allowance for loan losses	$	1,554	$	155	$	143	$	17	$	1,869
Recorded investment in loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	56,877	$	5,422	$	5,599	$	179	$	68,077
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	1,019		68		48		57		1,192
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		3,116		—		3,116
Total recorded investment	$	57,896	$	5,490	$	8,763	$	236	$	72,385

(1)

Loan receivables evaluated for impairment in accordance with Accounting Standards Codification ("ASC") 310-10-35 include credit card loans, personal loans and student loans collectively evaluated for impairment in accordance with ASC Subtopic 310-40, Receivables, which consists of modified loans accounted for as troubled debt restructurings. Other loans are individually evaluated for impairment and generally do not represent troubled debt restructurings.

(2)

The unpaid principal balance of credit card loans was $873 million and $869 million at March 31, 2016 and December 31, 2015, respectively. The unpaid principal balance of personal loans was $69 million and $67 million at March 31, 2016 and December 31, 2015, respectively. The unpaid principal balance of student loans was $52 million and $47 million at March 31, 2016 and December 31, 2015, respectively. All loans accounted for as troubled debt restructurings have a related allowance for loan losses.


(3)	Includes both PCI and non-PCI private student loans.


(4)	Certain other loans, including non-performing Diners Club licensee loans, are individually evaluated for impairment.

Troubled Debt Restructurings

The Company has internal loan modification programs that provide relief to credit card, personal loan and student loan borrowers who are experiencing financial hardship. The internal loan modification programs include both temporary and permanent programs which vary by product. External loan modification programs are also available for credit card and personal loans. Temporary and permanent modifications on credit card and personal loans, as well as temporary modifications on student loans and certain grants of student loan forbearance, are considered to be individually impaired. In addition, loans that defaulted or graduated from modification programs or forbearance are considered to be individually impaired. As a result, the above mentioned loans are accounted for as troubled debt restructurings.

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changing the structure of the loan to a fixed payment loan with a maturity no longer than 60 months and reducing the interest rate on the loan. The permanent modification program does not normally provide for the forgiveness of unpaid principal, but may allow for the reversal of certain unpaid interest or fee assessments. The Company also makes loan modifications for customers who request financial assistance through external sources, such as a consumer credit counseling agency program (referred to here as external programs). These loans typically receive a reduced interest rate but continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees.

To assist student loan borrowers who are experiencing temporary financial difficulties but are willing to resume making payments, the Company may offer hardship forbearance periods of up to 12 months over the life of the loan. Forbearance provides borrowers a deferment in making payments, during which time loan interest continues to accrue at contractual rates. The Company does not anticipate significant shortfalls in the contractual amount due for borrowers using a first hardship forbearance period as the historical performance of these borrowers is not significantly different from the overall portfolio. However, when a borrower is 30 or more days delinquent and granted a second hardship forbearance period, the forbearance is considered a troubled debt restructuring. In addition, the Company offers temporary reduced payment programs, which normally consist of a reduction of the minimum payment for a period of no longer than 12 months each time the program is utilized by a borrower. When a student loan borrower is enrolled in a temporary reduced payment program for 12 months or fewer over the life of the loan, the modification is not considered a troubled debt restructuring. However, when enrollment is greater than 12 months over the life of the loan, the modification is considered a troubled debt restructuring.

For personal loan customers, in certain situations the Company offers various payment programs, including temporary and permanent programs. The temporary programs normally consist of a reduction of the minimum payment for a period of no longer than 12 months with the option of a final balloon payment required at the end of the loan term or an extension of the maturity date with the total term not exceeding nine years. Further, in certain circumstances the interest rate on the loan is reduced. The permanent program involves changing the terms of the loan in order to pay off the outstanding balance over a longer term and also in certain circumstances reducing the interest rate on the loan. Similar to the temporary programs, the total term may not exceed nine years. The Company also allows loan modifications for customers who request financial assistance through external sources, similar to the credit card customers discussed above. Payments are modified based on the new terms agreed upon with the credit counseling agency. Personal loans included in temporary and permanent programs are accounted for as troubled debt restructurings.

The Company monitors borrower performance after using payment programs or forbearance and the Company believes the programs help to prevent defaults and are useful in assisting customers experiencing financial difficulties. The Company plans to continue to use payment programs and forbearance and, as a result, expects to have additional loans classified as troubled debt restructurings in the future.

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Additional information about modified loans classified as troubled debt restructurings is shown below (dollars in millions):

	Average recorded investment in loans		Interest income recognized during period loans were impaired⁽¹⁾		Gross interest income that would have been recorded with original terms⁽²⁾
For the Three Months Ended March 31, 2016
Credit card loans
Modified credit card loans⁽³⁾	$	274	$	12	$	1
Internal programs	$	464	$	3	$	16
External programs	$	283	$	5	$	3
Personal loans	$	69	$	2	$	1
Private student loans	$	50	$	1	N/A

For the Three Months Ended March 31, 2015
Credit card loans
Modified credit card loans⁽³⁾	$	255	$	11	$	1
Internal programs	$	452	$	3	$	15
External programs	$	323	$	6	$	3
Personal loans	$	57	$	2	$	1
Private student loans	$	40	$	1	N/A


(1)	The Company does not separately track interest income on loans in modification programs. Amounts shown are estimated by applying an average interest rate to the average loans in the various modification programs.

(2)

The Company does not separately track the amount of gross interest income that would have been recorded if the loans in modification programs had not been restructured and interest had instead been recorded in accordance with the original terms. Amounts shown are estimated by applying the difference between the average interest rate earned on non-impaired loans and the average interest rate earned on loans in the modification programs to the average loans in the modification programs.


(3)	This balance is considered impaired, but is excluded from the internal and external program amounts reflected in this table. Represents credit card loans that were modified in troubled debt restructurings, but are no longer enrolled in troubled debt restructuring program due to noncompliance with the terms of the modification or successful completion of a program.

In order to evaluate the primary financial effects that resulted from credit card loans entering into a loan modification program during the three months ended March 31, 2016 and 2015, the Company quantified the amount by which interest and fees were reduced during the periods. During the three months ended March 31, 2016 and 2015, the Company forgave approximately $9 million and $11 million of interest and fees as a result of accounts entering into a credit card loan modification program, respectively.

The following table provides information on loans that entered a loan modification program during the period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
	Number of Accounts	Balances		Number of Accounts	Balances
Accounts that entered a loan modification program during the period
Credit card loans
Internal programs	14,967	$	96	13,243	$	86
External programs	7,317	$	39	7,617	$	39
Personal loans	1,061	$	12	986	$	12
Private student loans	452	$	8	469	$	7

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The following table presents the carrying value of loans that experienced a payment default during the period that had been modified in a troubled debt restructuring during the 15 months preceding the end of each period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
	Number of Accounts	Aggregated Outstanding Balances Upon Default		Number of Accounts	Aggregated Outstanding Balances Upon Default
Troubled debt restructurings that subsequently defaulted
Credit card loans
Internal programs⁽¹⁾⁽²⁾	3,001	$	18	3,176	$	20
External programs⁽¹⁾⁽²⁾	1,699	$	7	1,643	$	7
Personal loans⁽²⁾	158	$	2	151	$	2
Private student loans⁽³⁾	197	$	3	305	$	4


(1)	The outstanding balance upon default is the loan balance at the end of the month prior to default. Terms revert back to the pre-modification terms for customers who default from a temporary program and charging privileges remain revoked in most cases.


(2)	A customer defaults from a modification program after two consecutive missed payments.


(3)	Student loan defaults have been defined as loans that are 60 or more days delinquent.

Of the account balances that defaulted as shown above for the three months ended March 31, 2016 and 2015, approximately 37% and 43%, respectively, of the total balances were charged off at the end of the month in which they defaulted. For accounts that have defaulted from a loan modification program and have not been subsequently charged off, the balances are included in the allowance for loan loss analysis discussed above under "— Allowance for Loan Losses."

Purchased Credit-Impaired Loans

Purchased loans with evidence of credit deterioration since origination for which it is probable that not all contractually required payments will be collected are considered impaired at acquisition and are reported as PCI loans. The private student loans acquired in the SLC transaction, as well as the additional acquired private student loan portfolio comprise the Company’s only PCI loans at March 31, 2016 and December 31, 2015. Total PCI student loans had an outstanding balance of $3.2 billion and $3.3 billion, including accrued interest, and a related carrying amount of $3.0 billion and $3.1 billion as of March 31, 2016 and December 31, 2015, respectively.

The following table provides changes in accretable yield for the acquired loans during each period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
Balance at beginning of period	$	965		$	1,341
Accretion into interest income	(49		)	(59		)
Other changes in expected cash flows	—			(101		)
Balance at end of period	$	916		$	1,181

Periodically, the Company updates the estimate of cash flows expected to be collected based on management's latest expectations of future credit losses, borrower prepayments and certain other assumptions that affect cash flows. No provision expense was recorded during the three months ended March 31, 2016 and 2015. The allowance for PCI loan losses at March 31, 2016 and December 31, 2015 was $36 million. For the three months ended March 31, 2016, there were no changes in other cash flow assumptions. For the three months ended March 31, 2015 changes in other cash flow assumptions resulted in a decrease in accretable yield primarily related to changes in borrower prepayment assumptions. Changes to accretable yield are recognized prospectively as an adjustment to yield over the remaining life of the pools.

At March 31, 2016, the 30 or more days delinquency and 90 or more days delinquency rates on PCI student loans (which include loans not yet in repayment) were 2.18% and 0.73%, respectively. At December 31, 2015, the 30 or more days delinquency and 90 or more days delinquency rates on PCI student loans (which include loans not yet in repayment) were 2.53% and 0.88%, respectively. These rates include private student loans that are greater than 120 days delinquent that are covered by an indemnification agreement or insurance arrangements through which the Company expects to recover a

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substantial portion of the loan. The net charge-off rate on PCI student loans was 0.43% and 0.50% for the three months ended March 31, 2016 and 2015, respectively.


5.	Credit Card and Student Loan Securitization Activities

Credit Card Securitization Activities

The Company accesses the term asset securitization market through the Discover Card Master Trust I (“DCMT”) and the Discover Card Execution Note Trust (“DCENT”), which are trusts into which credit card loan receivables are transferred (or, in the case of DCENT, into which beneficial interests in DCMT are transferred) and from which DCENT issues notes to investors.

The DCENT debt structure consists of four classes of securities (DiscoverSeries Class A, B, C and D notes), with the most senior class generally receiving a triple-A rating. In order to issue senior, higher rated classes of notes, it is necessary to obtain the appropriate amount of credit enhancement, generally through the issuance of junior, lower rated or more highly subordinated classes of notes. The subordinated classes are held by wholly-owned subsidiaries of Discover Bank. The Company is exposed to credit-related risk of loss associated with trust assets as of the balance sheet date through the retention of these subordinated interests. The estimated probable incurred loss is included in the allowance for loan loss estimate.

The Company’s credit card securitizations are accounted for as secured borrowings and the trusts and Discover Funding LLC are treated as consolidated subsidiaries of the Company. The Company’s retained interests in the assets of the trusts, consisting of investments in DCENT notes held by subsidiaries of Discover Bank, constitute intercompany positions which are eliminated in the preparation of the Company’s condensed consolidated statements of financial condition.

Upon transfer of credit card loan receivables to the trust, the receivables and certain cash flows derived from them become restricted for use in meeting obligations to the trusts’ creditors. Further, the transferred credit card loan receivables are owned by the trust and are not available to third-party creditors of the Company. The trusts have ownership of cash balances that also have restrictions, the amounts of which are reported in restricted cash. Investment of trust cash balances is limited to investments that are permitted under the governing documents of the trusts and which have maturities no later than the related date on which funds must be made available for distribution to trust investors. With the exception of the seller’s interest in trust receivables, the Company’s interests in trust assets are generally subordinate to the interests of third-party investors and, as such, may not be realized by the Company if needed to absorb deficiencies in cash flows that are allocated to the investors in the trusts’ debt.

The carrying values of these restricted assets, which are presented on the Company’s condensed consolidated statements of financial condition as relating to securitization activities, are shown in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Restricted cash	$	921		$	19

Investors’ interests held by third-party investors	15,725			15,625
Investors’ interests held by wholly-owned subsidiaries of Discover Bank	5,199			6,017
Seller’s interest	6,241			7,231
Loan receivables⁽¹⁾	27,165			28,873
Allowance for loan losses allocated to securitized loan receivables⁽¹⁾	(783		)	(783		)
Net loan receivables	26,382			28,090
Other⁽²⁾	6			5
Carrying value of assets of consolidated variable interest entities	$	27,309		$	28,114


(1)	The Company maintains its allowance for loan losses at an amount sufficient to absorb probable losses inherent in all loan receivables, which includes all loan receivables in the trusts. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company’s balance sheet in accordance with GAAP.


(2)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

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and adequacy of cash flows in the securitized pool of receivables to meet contractual requirements. Insufficient cash flows would trigger the early repayment of the securities. This is referred to as the “economic early amortization” feature.

Investors are allocated cash flows derived from activities related to the accounts comprising the securitized pool of receivables, the amounts of which reflect finance charges billed, certain fee assessments, allocations of merchant discount and interchange, and recoveries on charged-off accounts. From these cash flows, investors are reimbursed for charge-offs occurring within the securitized pool of receivables and receive a contractual rate of return and Discover Bank is paid a servicing fee as servicer. Any cash flows remaining in excess of these requirements are reported to investors as excess spread. An excess spread rate of less than 0% for a contractually specified period, generally a three-month average, would trigger an economic early amortization event. In such an event, the Company would be required to seek immediate sources of replacement funding. Apart from the restricted assets related to securitization activities, the investors and the securitization trusts have no recourse to the Company’s other assets or the Company's general credit for a shortage in cash flows.

Through its wholly-owned indirect subsidiary, Discover Funding LLC, the Company is required to maintain a contractual minimum level of receivables in the trust in excess of the face value of outstanding investors’ interests. This excess is referred to as the minimum seller’s interest. The required minimum seller’s interest in the pool of trust receivables, which is included in credit card loan receivables restricted for securitization investors, is set at approximately 7% in excess of the total investors’ interests (which includes interests held by third parties as well as those certificated interests held by the Company). If the level of receivables in the trust was to fall below the required minimum, the Company would be required to add receivables from the unrestricted pool of receivables, which would increase the amount of credit card loan receivables restricted for securitization investors. A decline in the amount of the excess seller’s interest could occur if balance repayments and charge-offs exceeded new lending on the securitized accounts or as a result of changes in total outstanding investors’ interests. Seller's interest is impacted by seasonality as higher balance repayments tend to occur in the first calendar year quarter. If the Company could not add enough receivables to satisfy the requirement, an early amortization (or repayment) of investors’ interests would be triggered. The Company retains significant exposure to the performance of trust assets through holdings of the seller's interest and subordinated security classes of DCENT. In addition, the Company has the right to remove a random selection of accounts, which would serve to decrease the amount of credit card loan receivables restricted for securitization investors, subject to certain requirements including that the minimum seller's interest is still met.

In addition to performance measures associated with the transferred credit card loan receivables or the inability to add receivables to satisfy the seller's interest requirement, there are other events or conditions which could trigger an early amortization event, such as non-payment of principal at expected maturity. As of March 31, 2016, no economic or other early amortization events have occurred.

The table below provides information concerning investors’ interests and related excess spread (dollars in millions):

At March 31, 2016	Investors’ Interests⁽¹⁾		Number of Series Outstanding	3-Month Rolling Average Excess Spread
Discover Card Execution Note Trust (DiscoverSeries notes)	$	20,924	36	13.55	%


(1)	Investors’ interests include third-party interests and subordinated interests held by wholly-owned subsidiaries of Discover Bank.

The Company continues to own and service the accounts that generate the loan receivables held by the trusts. Discover Bank receives servicing fees from the trusts based on a percentage of the monthly investor principal balance outstanding. Although the fee income to Discover Bank offsets the fee expense to the trusts and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.

Student Loan Securitization Activities

The Company’s student loan securitizations are accounted for as secured borrowings and the trusts are treated as consolidated subsidiaries of the Company. Trust receivables underlying third-party investors’ interests are recorded in PCI loans and the related debt issued by the trusts is reported in long-term borrowings. The assets of the Company’s consolidated VIEs are restricted from being sold or pledged as collateral for other borrowings and the cash flows from these restricted assets may be used only to pay obligations of the trusts.

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borrowings. The Company does not have access to cash collected by the securitization trusts until cash is released in accordance with the trust indenture agreements and, for certain securitizations, no cash will be released to the Company until all outstanding trust borrowings have been repaid. Similar to the credit card securitizations, the Company continues to own and service the accounts that generate the student loan receivables held by the trusts and receives servicing fees from the trusts based on either a percentage of the principal balance outstanding or a flat fee per borrower. Although the servicing fee income offsets the fee expense related to the trusts and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.

Under terms of all the trust arrangements, the Company has the option, but not the obligation, to provide financial support to the trusts, but has never provided such support. A substantial portion of the credit risk associated with the securitized loans has been transferred to third parties under private credit insurance or indemnification arrangements.

The carrying values of these restricted assets, which are presented on the Company’s condensed consolidated statements of financial condition as relating to securitization activities, are shown in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Restricted cash	$	89		$	80

Student loan receivables⁽¹⁾	1,596			1,678
Allowance for loan losses allocated to securitized loan receivables⁽¹⁾	(28		)	(28		)
Net student loan receivables	1,568			1,650
Carrying value of assets of consolidated variable interest entities	$	1,657		$	1,730


(1)	The Company maintains its allowance for loan losses on PCI loans sufficient to absorb probable decreases in cash flows that were previously expected. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company's balance sheet in accordance with GAAP.


6.	Deposits

The Company offers its deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships (“direct-to-consumer deposits”); and (ii) indirectly through contractual arrangements with securities brokerage firms (“brokered deposits”). Direct-to-consumer deposits include certificates of deposit, money market accounts, online savings and checking accounts and IRA certificates of deposit, while brokered deposits include certificates of deposit and sweep accounts.

The following table provides a summary of interest-bearing deposit accounts (dollars in millions):

	March 31, 2016		December 31, 2015
Certificates of deposit in amounts less than $100,000⁽¹⁾	$	19,728	$	20,491
Certificates of deposit in amounts $100,000 or greater⁽²⁾	5,516		5,228
Savings deposits, including money market deposit accounts	22,811		21,375
Total interest-bearing deposits⁽¹⁾	$	48,055	$	47,094


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.


(2)	Includes $1.2 billion and $1.1 billion in certificates of deposit greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of March 31, 2016 and December 31, 2015, respectively.

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The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):

Maturity Period	March 31, 2016
Three months or less	$	530
Over three months through six months	742
Over six months through twelve months	1,536
Over twelve months	2,708
Total	$	5,516

The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

Year	March 31, 2016
2016	$	8,335
2017	6,792
2018	3,607
2019	1,966
2020	1,938
Thereafter	2,606
Total	$	25,244

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7.	Long-Term Borrowings

Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company’s long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):

	March 31, 2016					December 31, 2015
	Maturity	Interest Rate	Weighted-Average Interest Rate	Outstanding Amount		Outstanding Amount
Securitized Debt
Fixed-rate asset-backed securities⁽¹⁾⁽⁸⁾	2016 - 2020	1.04% - 5.65%	2.05%	$	9,268	$	9,152
Floating-rate asset-backed securities^(2)(3)(8)	2016 - 2019	0.62% - 0.89%	0.79%	6,441		6,440
Total Discover Card Master Trust I and Discover Card Execution Note Trust⁽⁸⁾				15,709		15,592

Floating-rate asset-backed securities^(4)(5)(6)(7)	2031 - 2042	0.79% - 4.25%	2.21%	1,070		1,143
Total SLC Private Student Loan Trusts				1,070		1,143
Total long-term borrowings - owed to securitization investors⁽⁸⁾				16,779		16,735

Discover Financial Services (Parent Company)
Fixed-rate senior notes⁽¹⁾⁽⁸⁾	2017 - 2025	3.75%-10.25%	4.75%	2,073		2,066
Fixed-rate retail notes⁽⁸⁾	2021 - 2028	3.00% - 4.40%	3.94%	77		39

Discover Bank
Fixed-rate senior bank notes⁽¹⁾⁽⁸⁾	2018 - 2026	2.00% - 4.25%	3.16%	5,128		5,115
Fixed-rate subordinated bank notes⁽⁸⁾	2019 - 2020	7.00% - 8.70%	7.49%	695		695
Total long-term borrowings⁽⁸⁾				$	24,752	$	24,650


(1)	The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in London Interbank Offered Rate (“LIBOR”). Use of these interest rate swaps impacts carrying value of the debt.


(2)	Discover Card Execution Note Trust floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 18 to 45 basis points and 3-month LIBOR + 20 basis points as of March 31, 2016.


(3)	The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest payments on a portion of these long-term borrowings. There is no impact on debt carrying value from use of these interest rate swaps. See Note 15: Derivatives and Hedging Activities.


(4)	SLC Private Student Loan Trusts floating-rate asset-backed securities include issuances with the following interest rate terms: 3-month LIBOR + 17 to 45 basis points, Prime rate + 75 to 100 basis points and 1-month LIBOR + 350 basis points as of March 31, 2016.


(5)	The Company acquired an interest rate swap related to the securitized debt assumed in the SLC transaction. The swap does not qualify for hedge accounting and has no impact on debt carrying value. See Note 15: Derivatives and Hedging Activities.


(6)	Repayment of this debt is dependent upon the timing of principal and interest payments on the underlying student loans. The dates shown represent final maturity dates.


(7)	Includes $302 million of senior notes maturing in 2031, $621 million of senior and subordinated notes maturing in 2036 and $147 million of senior notes maturing in 2042 as of March 31, 2016.


(8)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

Year	March 31, 2016
2016	$	2,150
2017	5,099
2018	5,273
2019	4,270
2020	3,094
Thereafter	4,866
Total	$	24,752

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The Company has access to committed undrawn capacity through private securitizations to support the funding of its credit card loan receivables. As of March 31, 2016, the total commitment of secured credit facilities through private providers was $6.0 billion, none of which was drawn as of March 31, 2016. Access to the unused portions of the secured credit facilities is subject to the terms of the agreements with each of the providers which have various expirations in 2017 and 2018. Borrowings outstanding under each facility bear interest at a margin above LIBOR or the asset-backed commercial paper costs of each individual conduit provider. The terms of each agreement provide for a commitment fee to be paid on the unused capacity and include various affirmative and negative covenants, including performance metrics and legal requirements similar to those required to issue any term securitization transaction.


8.	Accumulated Other Comprehensive Income

Changes in each component of accumulated other comprehensive income (loss) ("AOCI") were as follows (dollars in millions):

	Unrealized Gain on Available-for-Sale Investment Securities, Net of Tax		Loss on Cash Flow Hedges, Net of Tax			Pension Plan Loss, Net of Tax			AOCI
For the Three Months Ended March 31, 2016
Balance at December 31, 2015	$	—	$	(20	)	$	(140	)	$	(160	)
Net change	14		(26		)	—			(12		)
Balance at March 31, 2016	$	14	$	(46	)	$	(140	)	$	(172	)

For the Three Months Ended March 31, 2015
Balance at December 31, 2014	$	23	$	(7	)	$	(154	)	$	(138	)
Net change	—		(23		)	—			(23		)
Balance at March 31, 2015	$	23	$	(30	)	$	(154	)	$	(161	)

The table below presents each component of other comprehensive income (loss) ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):

	Before Tax			Tax (Expense) Benefit			Net of Tax
For the Three Months Ended March 31, 2016
Available-for-Sale Investment Securities
Net unrealized holding gain arising during the period	$	23		$	(9	)	$	14
Amounts reclassified from AOCI	—			—			—
Net change	$	23		$	(9	)	$	14
Cash Flow Hedges
Net unrealized loss arising during the period	$	(52	)	$	21		$	(31	)
Amounts reclassified from AOCI	9			(4		)	5
Net change	$	(43	)	$	17		$	(26	)

For the Three Months Ended March 31, 2015
Available-for-Sale Investment Securities
Net unrealized holding gain arising during the period	$	8		$	(3	)	$	5
Amounts reclassified from AOCI	(8		)	3			(5		)
Net change	$	—		$	—		$	—
Cash Flow Hedges
Net unrealized loss arising during the period	$	(47	)	$	17		$	(30	)
Amounts reclassified from AOCI	12			(5		)	7
Net change	$	(35	)	$	12		$	(23	)

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9.	Income Taxes

The following table presents the calculation of the Company's effective income tax rate (dollars in millions, except effective income tax rate):

	For the Three Months Ended March 31,
	2016			2015
Income before income tax expense	$	914		$	908
Income tax expense	$	339		$	322
Effective income tax rate	37.1		%	35.5		%

The Company is subject to examination by the Internal Revenue Service ("IRS") and the tax authorities in various state and foreign tax jurisdictions. The tax years under examination vary by jurisdiction. The Company regularly assesses the likelihood of additional assessments or settlements in each of the taxing jurisdictions resulting from these examinations. The Company believes that its reserves are sufficient to cover any tax, penalties and interest that could result from such examinations.

On April 6, 2016, the Company was notified that the United States Congress Joint Committee on Taxation (“JCT”) approved an audit settlement for tax years 1999-2005 and 2006-2007. The 2008-2010 audit is currently under administrative appeals. This JCT approval resolves issues that were disputed through several tax audit cycles (1999-2005, 2006-2007, 2008-2010 and 2011-2012). The Company will apply the settlement methodology to all open audit cycles.

As a result of these events, the Company anticipates recognizing both the unrecognized tax benefit receivables and payables of $337 million as applicable to each tax period and reversing the corresponding accrued interest which will result in a reduction of tax expense of approximately $40 million, in the second quarter of 2016.

The 1999-2005 and 2006-2007 audit periods pre-date the Company’s spin-off, therefore settlement from those years will be governed by the Company’s Tax Sharing Agreement with Morgan Stanley. Settlement of tax years subsequent to the spin-off date, June 30, 2007, will be made directly with the IRS.


10.	Earnings Per Share

The following table presents the calculation of basic and diluted earnings per share ("EPS") (in millions, except per share amounts):

	For the Three Months Ended March 31,
	2016			2015
Numerator
Net income	$	575		$	586
Preferred stock dividends	(9		)	(9		)
Net income available to common stockholders	566			577
Income allocated to participating securities	(4		)	(4		)
Net income allocated to common stockholders	$	562		$	573
Denominator
Weighted-average shares of common stock outstanding	417			448
Basic earnings per common share	$	1.35		$	1.28
Diluted earnings per common share	$	1.35		$	1.28

Anti-dilutive securities were not material and had no impact on the computation of diluted EPS for the three months ended March 31, 2016 and 2015.

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11.	Capital Adequacy

The Company is subject to the capital adequacy guidelines of the Federal Reserve, and Discover Bank, the Company’s main banking subsidiary, is subject to various regulatory capital requirements as administered by the FDIC. Failure to meet minimum capital requirements can result in the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the financial position and results of the Company and Discover Bank. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and Discover Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items, as calculated under regulatory guidelines. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

In 2013, the Federal Reserve, the Office of the Comptroller of the Currency and the FDIC issued final capital rules under the Basel Committee’s December 2010 framework (referred to as “Basel III”) establishing a new comprehensive capital framework for U.S. banking organizations. The final capital rules of Basel III ("Basel III rules") substantially revise Basel I rules regarding the risk-based capital requirements applicable to bank holding companies and depository institutions, including the Company. The Basel III rules became effective for the Company on January 1, 2015. This timing is based on the Company being classified as a "Standardized Approach" entity.

Among other things, the Basel III rules (i) introduced a new capital measure called Common Equity Tier 1 (“CET1”), (ii) specify that Tier 1 capital consists of CET1 and additional Tier 1 capital instruments meeting specified requirements, (iii) apply most deductions/adjustments to regulatory capital measures to CET1 and not to the other components of capital, thus potentially requiring higher levels of CET1 in order to meet minimum ratios, and (iv) expand the scope of the deductions/adjustments from capital as compared to existing regulations.

The Basel III minimum capital ratios as of January 1, 2015 are as follows:


•	8.0% Total capital (i.e., Tier 1 plus Tier 2) to risk-weighted assets;


•	6.0% Tier 1 capital (i.e., CET1 plus Additional Tier 1) to risk-weighted assets;


•	4.0% Tier 1 capital to average consolidated assets as reported on consolidated financial statements (known as the “leverage ratio”); and


•	4.5% CET1 to risk-weighted assets.

As of March 31, 2016, the Company and Discover Bank met all Basel III minimum capital ratio requirements. The Company and Discover Bank also met the requirements to be considered "well-capitalized" under prompt corrective action regulations and there have been no conditions or events that management believes have changed the Company's or Discover Bank's category. To be categorized as “well-capitalized,” the Company and Discover Bank must maintain minimum capital ratios as set forth in the table below.

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The following table shows the actual capital amounts and ratios of the Company and Discover Bank and comparisons of each to the regulatory minimum and “well-capitalized” requirements (dollars in millions):

	Actual				Minimum Capital Requirements			Capital Requirements To Be Classified as Well-Capitalized
	Amount		Ratio		Amount		Ratio	Amount		Ratio
March 31, 2016
Total capital (to risk-weighted assets)
Discover Financial Services	$	12,463	16.8	%	$	5,936	≥8.0%	$	7,421	≥10.0%
Discover Bank	$	12,008	16.4	%	$	5,876	≥8.0%	$	7,345	≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services	$	11,153	15.0	%	$	4,452	≥6.0%	$	5,936	≥8.0%
Discover Bank	$	10,061	13.7	%	$	4,407	≥6.0%	$	5,876	≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services	$	11,153	12.8	%	$	3,493	≥4.0%	$	4,366	≥5.0%
Discover Bank	$	10,061	11.6	%	$	3,459	≥4.0%	$	4,323	≥5.0%
CET1 capital (to risk-weighted assets) (Basel III transition)
Discover Financial Services	$	10,593	14.3	%	$	3,339	≥4.5%	$	4,823	≥6.5%
Discover Bank	$	10,061	13.7	%	$	3,305	≥4.5%	$	4,774	≥6.5%

December 31, 2015⁽¹⁾
Total capital (to risk-weighted assets)
Discover Financial Services	$	12,497	16.5	%	$	6,052	≥8.0%	$	7,565	≥10.0%
Discover Bank	$	11,905	15.9	%	$	5,991	≥8.0%	$	7,488	≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services	$	11,126	14.7	%	$	4,539	≥6.0%	$	6,052	≥8.0%
Discover Bank	$	9,941	13.3	%	$	4,493	≥6.0%	$	5,991	≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services	$	11,126	12.9	%	$	3,446	≥4.0%	$	4,307	≥5.0%
Discover Bank	$	9,941	11.7	%	$	3,410	≥4.0%	$	4,263	≥5.0%
CET1 capital (to risk-weighted assets) (Basel III transition)
Discover Financial Services	$	10,566	14.0	%	$	3,404	≥4.5%	$	4,917	≥6.5%
Discover Bank	$	9,941	13.3	%	$	3,370	≥4.5%	$	4,867	≥6.5%


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

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12.	Commitments, Contingencies and Guarantees

Lease Commitments

The Company leases various office space and equipment under capital and non-cancelable operating leases, which expire at various dates through 2028. Future minimum payments on capital leases were not material at March 31, 2016. The following table shows future minimum payments on non-cancelable operating leases with original terms in excess of one year (dollars in millions):

	March 31, 2016
2016	$	11
2017	12
2018	11
2019	9
2020	7
Thereafter	34
Total minimum lease payments	$	84

Unused Commitments to Extend Credit

At March 31, 2016, the Company had unused commitments to extend credit for loans of approximately $182.8 billion. Such commitments arise primarily from agreements with customers for unused lines of credit on certain credit cards and certain other loan products, provided there is no violation of conditions in the related agreements. These commitments, substantially all of which the Company can terminate at any time and which do not necessarily represent future cash requirements, are periodically reviewed based on account usage, customer creditworthiness and loan qualification.

Securitizations Representations and Warranties

As part of the Company’s financing activities, the Company provides representations and warranties that certain assets pledged as collateral in secured borrowing arrangements conform to specified guidelines. Due diligence is performed by the Company which is intended to ensure that asset guideline qualifications are met. If the assets pledged as collateral do not meet certain conforming guidelines, the Company may be required to replace, repurchase or sell such assets. In its credit card securitization activities, the Company would replace nonconforming receivables through the allocation of excess seller’s interest or from additional transfers from the unrestricted pool of receivables. If the Company could not add enough receivables to satisfy the requirement, an early amortization (or repayment) of investors’ interests would be triggered. In its student loan securitizations, the Company would generally repurchase the loans from the trust at the outstanding principal amount plus interest.

The maximum potential amount of future payments the Company could be required to make would be equal to the current outstanding balances of third-party investor interests in credit card asset-backed securities plus the principal amount of any other outstanding secured borrowings. The Company has recorded substantially all of the maximum potential amount of future payments in long-term borrowings on the Company’s condensed consolidated statements of financial condition. The Company has not recorded any incremental contingent liability associated with its secured borrowing representations and warranties. Management believes that the probability of having to replace, repurchase or sell assets pledged as collateral under secured borrowing arrangements, including an early amortization event, is low.

Mortgage Loans Representations and Warranties

The Company sold loans it originated to investors on a servicing-released basis and the risk of loss or default by the borrower is generally transferred to the investor. However, the Company was required by these investors to make certain representations and warranties relating to credit information, loan documentation and collateral. These representations and warranties may extend through the contractual life of the mortgage loan, even though the Company closed the mortgage origination business. Subsequent to the sale, if underwriting deficiencies, borrower fraud or documentation defects are discovered in individual mortgage loans, the Company may be obligated to repurchase the respective mortgage loan or indemnify the investors for any losses from borrower defaults if such deficiency or defect cannot be cured within the specified period following discovery. The Company has established a repurchase reserve based on expected losses. At

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March 31, 2016, this amount was not material and was included in accrued expenses and other liabilities on the condensed consolidated statements of financial condition.

Guarantees

The Company has obligations under certain guarantee arrangements, including contracts and indemnification agreements, which contingently require the Company to make payments to the guaranteed party based on changes in an underlying asset, liability or equity security of a guaranteed party, rate or index. Also included as guarantees are contracts that contingently require the Company to make payments to a guaranteed party based on another entity’s failure to perform under an agreement. The Company’s use of guarantees is disclosed below by type of guarantee.

Counterparty Settlement Guarantees

Diners Club and DFS Services LLC (on behalf of PULSE) have various counterparty exposures, which are listed below.

•

Merchant Guarantee. Diners Club has entered into contractual relationships with certain international merchants, which generally include travel-related businesses, for the benefit of all Diners Club licensees. The licensees hold the primary liability to settle the transactions of their customers with these merchants. However, Diners Club retains a counterparty exposure if a licensee fails to meet its financial payment obligation to one of these merchants.


•	ATM Guarantee. PULSE entered into contractual relationships with certain international ATM acquirers in which DFS Services LLC retains counterparty exposure if an issuer fails to fulfill its settlement obligation.

The maximum potential amount of future payments related to such contingent obligations is dependent upon the transaction volume processed between the time a counterparty defaults on its settlement and the time at which the Company disables the settlement of any further transactions for the defaulting party, which could be one month depending on the type of guarantee/counterparty. However, there is no limitation on the maximum amount the Company may be liable to pay. The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether particular counterparties will fail to meet their settlement obligations.

While the Company has some contractual remedies to offset these counterparty settlement exposures (such as letters of credit or pledged deposits), in the event that all licensees and/or issuers were to become unable to settle their transactions, the Company estimates its maximum potential counterparty exposures to these settlement guarantees, based on historical transaction volume, would be as follows (dollars in millions):

	March 31, 2016
Diners Club:
Merchant guarantee	$	142
PULSE:
ATM guarantee	$	1

With regard to the counterparty settlement guarantees discussed above, the Company believes that the estimated amounts of maximum potential future payments are not representative of the Company’s actual potential loss exposure given Diners Club’s and PULSE’s insignificant historical losses from these counterparty exposures. As of March 31, 2016, the Company had not recorded any contingent liability in the condensed consolidated financial statements for these counterparty exposures, and management believes that the probability of any payments under these arrangements is low.

Merchant Chargeback Guarantees

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transaction to the merchant or merchant acquirer, where permitted by the applicable agreement, to seek recovery of amounts already paid to the merchant for payment card transactions. If the Discover Network is unable to collect the amount subject to dispute from the merchant or merchant acquirer (e.g., in the event of merchant default or dissolution) or after expiration of the time period for chargebacks in the applicable agreement, the Discover Network will bear the loss for the amount credited or refunded to the customer. In most instances, a loss by the Discover Network is unlikely to arise in connection with payments on card transactions because most products or services are delivered when purchased and credits are issued by merchants on returned items in a timely fashion, thus minimizing the likelihood of cardholder disputes with respect to amounts paid by the Discover Network. However, where the product or service is not scheduled to be provided to the customer until a later date following the purchase, the likelihood of a contingent payment obligation by the Discover Network increases. Losses related to merchant chargebacks were not material for the three months ended March 31, 2016 and 2015.

The maximum potential amount of obligations of the Discover Network arising as a result of such contingent obligations is estimated to be the portion of the total Discover Network transaction volume processed to date for which timely and valid disputes may be raised under applicable law and relevant issuer and customer agreements. There is no limitation on the maximum amount the Company may be liable to pay to issuers. However, the Company believes that such amount is not representative of the Company’s actual potential loss exposure based on the Company’s historical experience. The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether the current or cumulative transaction volumes may include or result in disputed transactions.

The table below summarizes certain information regarding merchant chargeback guarantees (in millions):

	For the Three Months Ended March 31,
	2016		2015
Aggregate sales transaction volume⁽¹⁾	$	31,281	$	29,498


(1)	Represents period transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.

The Company did not record any contingent liability in the condensed consolidated financial statements for merchant chargeback guarantees as of March 31, 2016 or December 31, 2015. The Company mitigates the risk of potential loss exposure by withholding settlement from merchants, obtaining third-party guarantees, or obtaining escrow deposits or letters of credit from certain merchant acquirers or merchants that are considered higher risk due to various factors such as time delays in the delivery of products or services.

The table below provides information regarding escrow deposits and settlement withholdings, which are recorded in interest-bearing deposit accounts and accrued expenses and other liabilities on the Company’s condensed consolidated statements of financial condition, respectively (dollars in millions):

	March 31, 2016		December 31, 2015
Settlement withholdings and escrow deposits	$	6	$	7


13.	Litigation and Regulatory Matters

In the normal course of business, from time to time, the Company has been named as a defendant in various legal actions, including arbitrations, class actions and other litigation, arising in connection with its activities. Certain of the actual or threatened legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. The litigation process is not predictable and can lead to unexpected results. The Company contests liability and/or the amount of damages as appropriate in each pending matter.

The Company has historically relied on the arbitration clause in its cardmember agreements, which has in some instances limited the costs of, and the Company’s exposure to litigation, but there can be no assurance that the Company will continue to be successful in enforcing its arbitration clause in the future. Legal challenges to the enforceability of these clauses have led most card issuers, and may cause the Company, to discontinue their use. The Company is involved in pending legal actions challenging its arbitration clause. Bills are periodically introduced in Congress to directly or indirectly prohibit the use of pre-dispute arbitration clauses, and the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") authorized the Consumer Financial Protection Bureau (the "CFPB") to conduct a study on pre-dispute arbitration clauses and, based on the study, potentially limit or ban arbitration clauses. On March 10, 2015, the CFPB released

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its report to Congress on pre-dispute arbitration as required by the Dodd-Frank Act. On October 7, 2015, the CFPB published a potential rulemaking on arbitration agreements that would (i) effectively ban consumer financial companies from using arbitration clauses to prevent class action cases and (ii) require records of all other arbitrations to be provided to the CFPB for potential publication on its website. The timing and provisions of any final rule are uncertain at this time.

The Company is also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding the Company’s business including, among other matters, consumer regulatory, accounting, tax and other operational matters, some of which may result in significant adverse judgments, settlements, fines, penalties, injunctions, decreases in regulatory ratings, customer restitution or other relief, which could materially impact the Company's condensed consolidated financial statements, increase its cost of operations, or limit its ability to execute its business strategies and engage in certain business activities. For example, Discover Bank and Discover Financial Services have been the subject of actions by the FDIC and the Federal Reserve, respectively, with respect to anti-money laundering and related compliance programs as described more fully below. In addition, certain subsidiaries of the Company are subject to a consent order with the CFPB regarding certain student loan servicing practices, as described below. Regulatory actions generally can include demands for civil money penalties, changes to certain business practices and customer restitution. Supervisory actions related to anti-money laundering and related laws and regulations will limit for a period of time the Company's ability to enter into certain types of acquisitions and make certain types of investments.

In accordance with applicable accounting guidance, the Company establishes an accrued liability for legal and regulatory matters when those matters present loss contingencies which are both probable and estimable. Litigation and regulatory settlement related expense was insignificant for the three months ended March 31, 2016 and was $23 million for the three months ended March 31, 2015.

There may be an exposure to loss in excess of any amounts accrued. The Company believes the estimate of the aggregate range of reasonably possible losses (meaning those losses the likelihood of which is more than remote but less than likely) in excess of the amounts that the Company has accrued for legal and regulatory proceedings is up to $160 million. This estimated range of reasonably possible losses is based upon currently available information for those proceedings in which the Company is involved, takes into account the Company’s best estimate of such losses for those matters for which an estimate can be made, and does not represent the Company’s maximum potential loss exposure. Various aspects of the legal proceedings underlying the estimated range will change from time to time and actual results may vary significantly from the estimate.

The Company’s estimated range above involves significant judgment, given the varying stages of the proceedings, the existence of numerous yet to be resolved issues, the breadth of the claims (often spanning multiple years and, in some cases, a wide range of business activities), unspecified damages and/or the novelty of the legal issues presented. The outcome of pending matters could be material to the Company’s condensed consolidated financial condition, operating results and cash flows for a particular future period, depending on, among other things, the level of the Company’s income for such period, and could adversely affect the Company’s reputation.

On July 5, 2012, the Antitrust Division of the United States Department of Justice (the “Division”) issued a CID to the Company seeking information regarding an investigation related to potential violations of Sections 1 and 2 of the Sherman Act, 15 U.S.C. §§1-2, by an unidentified party other than Discover. The CID seeks documents, data and narrative responses to several interrogatories and document requests, related to the debit card market. A CID is a request for information in the course of a civil investigation and does not constitute the commencement of legal proceedings. The Division is permitted by statute to issue a CID to anyone whom it believes may have information relevant to an investigation. The receipt of a CID does not presuppose that there is probable cause to believe that a violation of the antitrust laws has occurred or that a formal complaint ultimately will be filed. The Company is cooperating with the Division in connection with the CID.

On August 14, 2012, a purported shareholder, James Groen, filed a shareholder derivative action in the U.S. District Court for the Northern District of Illinois (Groen v. Nelms et al.) against the Company’s board of directors, certain current and former officers and directors and the Company as nominal defendant. On August 27, 2012, a second purported shareholder, the Charter Township of Clinton Police and Fire Retirement System, filed a substantially identical shareholder derivative action in the same court against the same parties (Charter Township of Clinton Police and Fire Retirement System v. Nelms et al.). On September 25, 2012, the actions were consolidated, and on February 19, 2013, the plaintiffs filed an amended consolidated complaint. The consolidated complaint asserts claims against the board of directors and certain current and former officers and directors for alleged breach of fiduciary duty, corporate waste and unjust enrichment arising out of the Company’s alleged violations of the law in connection with the marketing and sale of its protection products. The relief sought in the consolidated complaint includes changes to the Company’s corporate governance procedures; unspecified

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damages, injunctive relief, restitution and disgorgement from the individual defendants; and attorneys’ fees. On April 5, 2013, the defendants filed a motion to dismiss the amended consolidated complaint, and on June 5, 2013, briefing on the motion to dismiss was completed. On March 23, 2015, the Court granted the defendants’ motion to dismiss the amended consolidated shareholder derivative complaint without prejudice, while also allowing the plaintiffs until April 10, 2015 to request permission to file a further amended complaint in order to avoid having the case dismissed with prejudice. On April 6, 2015, the plaintiffs filed a motion requesting reconsideration by the Court of its order dismissing the complaint. In addition, on April 10, 2015, the plaintiffs filed a motion requesting permission to file a further amended complaint. On March 17, 2016, the Court denied both the motion for reconsideration and motion for leave to amend and dismissed the case with prejudice. On April 18, 2016, the plaintiffs filed a notice of appeal.

On September 2, 2014, a purported shareholder, Steamfitters Local 449 Pension Fund, filed a shareholder derivative action in the Circuit Court of the Nineteenth Judicial Circuit, Lake County, Illinois (Steamfitters Local 449 Pension Fund, derivatively on behalf of Discover Financial Services v. David W. Nelms, et al.) against the Company’s board of directors and certain current and former officers and directors of the Company. The complaint asserts claims for alleged breach of fiduciary duty, corporate waste and unjust enrichment arising out of the Company’s alleged violations of the law in connection with the marketing and sale of protection products. The relief sought in the consolidated complaint includes changes to the Company’s corporate governance procedures, unspecified damages, restitution and disgorgement from the individual defendants and attorneys’ fees. On September 25, 2014, the court entered an order staying the case until 30 days after the U.S. District Court for the Northern District of Illinois enters an order on defendants’ motion to dismiss the amended consolidated complaint in Groen v. Nelms et al. and Charter Township of Clinton Police and Fire Retirement System v. Nelms et al. (as consolidated, the Groen and Charter Township cases are now captioned: In re Discover Financial Services Derivative Litigation). The case remains stayed.

On May 26, 2015, the Company entered into a written agreement with the Federal Reserve Bank of Chicago where the Company agreed to enhance the Company’s enterprise-wide anti-money laundering and related compliance programs. The agreement does not include civil money penalties. This agreement follows the consent order that Discover Bank entered into with the FDIC on June 13, 2014 related to Discover Bank’s anti-money laundering and related compliance programs. In the consent order, Discover Bank agreed to, among other things, enhance its anti-money laundering and related compliance programs.

On July 9, 2015, a class action lawsuit was filed against the Company in the U.S. District Court for the Northern District of Illinois (Polly Hansen v. Discover Financial Services and Discover Home Loans, Inc.). The plaintiff alleges that the Company contacted her, and members of the class she seeks to represent, on their cellular and residential telephones without their express consent or after consent was revoked in violation of the Telephone Consumer Protection Act ("TCPA"). Plaintiff seeks statutory damages for alleged negligent and willful violations of the TCPA, attorneys' fees, costs and injunctive relief. The TCPA provides for statutory damages of $500 for each violation ($1,500 for willful violations). The Company will seek to vigorously defend against all claims asserted by the plaintiff. On March 8, 2016, Summer Davenport was substituted as lead plaintiff for Polly Hansen.

On July 22, 2015, the Company announced that its subsidiaries, Discover Bank, The Student Loan Corporation and Discover Products, Inc. (the “Discover Subsidiaries”), agreed to a consent order with the CFPB resolving the agency’s investigation with respect to certain student loan servicing practices. The CFPB’s investigation into these practices has been previously disclosed by the Company, initially in February 2014. The order requires the Discover Subsidiaries to provide redress of approximately $16 million to consumers who may have been affected by the activities described in the order related to certain collection calls, overstatements of minimum payment due amounts in billing statements, and provision of interest paid information to consumers, and provide regulatory disclosures with respect to loans acquired in default. In addition, the Discover Subsidiaries are required to pay a $2.5 million civil money penalty to the CFPB. As required by the consent order, on October 19, 2015, the Discover Subsidiaries submitted to the CFPB a redress plan and a compliance plan designed to ensure that the Discover Subsidiaries provide redress and otherwise comply with the terms of the order.

On September 4, 2015, the District Attorney of Trinity County, California filed a protection products lawsuit against the Company in California state court (The People of the State of California Ex Rel, Eric L. Heryford, District Attorney, Trinity County v. Discover Financial Services, et al.). The District Attorney subsequently dismissed this lawsuit on February 19, 2016 and filed a new complaint in federal court in the Eastern District of California on March 4, 2016 alleging the same cause of action. An amended complaint was filed on March 25, 2016. The lawsuit asserts various claims under California's Unfair Competition Law with respect to the Company's marketing and administration of various protection products. Plaintiff seeks declaratory relief, statutory civil penalties, and attorneys’ fees. The Company is not in a position at this time to assess

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the likely outcome or its exposure, if any, with respect to this matter, but will seek to vigorously defend against all claims asserted by the plaintiff.

On March 8, 2016, a class action lawsuit was filed against the Company in the U.S. District Court for the Northern District of California (B&R Supermarket, Inc., d/b/a Milam’s Market, et al. v. Visa, Inc. et al.) alleging violations of the Sherman Antitrust Act, California's Cartwright Act, and unjust enrichment. Plaintiffs allege a conspiracy to shift fraud liability to merchants with the migration to the EMV security standard and chip technology. Plaintiffs seek damages, attorneys' fees, costs and injunctive relief. The Company is not in a position at this time to assess the likely outcome or its exposure, if any, with respect to this matter, but will seek to vigorously defend against all claims asserted by the plaintiffs.


14.	Fair Value Measurements and Disclosures

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC Topic 820, Fair Value Measurement, provides a three-level hierarchy for classifying financial instruments, which is based on whether the inputs to the valuation techniques used to measure the fair value of each financial instrument are observable or unobservable. It also requires certain disclosures about those measurements. The three-level valuation hierarchy is as follows:


•	Level 1: Fair values determined by Level 1 inputs are defined as those that utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access.

•

Level 2: Fair values determined by Level 2 inputs are those that utilize inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices for similar assets and liabilities in active or inactive markets, quoted prices for the identical assets in an inactive market, and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. The Company evaluates factors such as the frequency of transactions, the size of the bid-ask spread and the significance of adjustments made when considering transactions involving similar assets or liabilities to assess the relevance of those observed prices. If relevant and observable prices are available, the fair values of the related assets or liabilities would be classified as Level 2.

•

Level 3: Fair values determined by Level 3 inputs are those based on unobservable inputs and include situations where there is little, if any, market activity for the asset or liability being valued. In instances in which the inputs used to measure fair value may fall into different levels of the fair value hierarchy, the level in the fair value hierarchy within which the fair value measurement in its entirety is classified is based on the lowest level input that is significant to the fair value measurement in its entirety. The Company may utilize both observable and unobservable inputs in determining the fair values of financial instruments classified within the Level 3 category.

The determination of classification of its financial instruments within the fair value hierarchy is performed at least quarterly by the Company. For transfers in and out of the levels of the fair value hierarchy, the Company discloses the fair value measurement based on the value immediately preceding the transfer.

The Company's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and involves consideration of factors specific to the asset or liability. Furthermore, certain techniques used to measure fair value involve some degree of judgment and, as a result, are not necessarily indicative of the amounts the Company would realize in a current market exchange.

During the three months ended March 31, 2016, there were no changes to the Company's valuation techniques that had, or are expected to have, a material impact on the Company's condensed consolidated financial position or results of operations.

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Assets and Liabilities Measured at Fair Value on a Recurring Basis

Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):

	Quoted Price in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Balance at March 31, 2016
Assets
U.S. Treasury securities	$	1,180	$	—	$	—	$	1,180
U.S. government agency securities	492		—		—		492
Residential mortgage-backed securities - Agency	—		1,152		—		1,152
Available-for-sale investment securities	$	1,672	$	1,152	$	—	$	2,824

Derivative financial instruments	$	—	$	58	$	—	$	58

Liabilities
Derivative financial instruments	$	—	$	78	$	—	$	78

Balance at December 31, 2015
Assets
U.S. Treasury securities	$	1,272	$	—	$	—	$	1,272
U.S. government agency securities	494		—		—		494
Residential mortgage-backed securities - Agency	—		1,197		—		1,197
Available-for-sale investment securities	$	1,766	$	1,197	$	—	$	2,963

Derivative financial instruments	$	—	$	22	$	—	$	22

Liabilities
Derivative financial instruments	$	—	$	38	$	—	$	38

There were no transfers between Levels 1 and 2 within the fair value hierarchy for the three months ended March 31, 2016 and 2015.

Available-for-Sale Investment Securities

Investment securities classified as available-for-sale consist of U.S. Treasury securities, U.S. government agency securities and residential mortgage-backed securities. The fair value estimates of investment securities classified as Level 1, consisting of U.S. Treasury and government agency securities, are determined based on quoted market prices for the same securities. The Company classifies all other available-for-sale investment securities as Level 2, the fair value estimates of which are obtained from pricing services, where fair values are estimated using pricing models based on observable market inputs or recent trades of similar securities. The fair value estimates of residential mortgage-backed securities are based on the best information available. This data may consist of observed market prices, broker quotes or discounted cash flow models that incorporate assumptions such as benchmark yields, issuer spreads, prepayment speeds, credit ratings and losses, the priority of which may vary based on availability of information.

The Company validates the fair value estimates provided by the pricing services primarily by comparison to valuations obtained through other pricing sources. The Company evaluates pricing variances amongst different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company further performs due diligence in understanding the procedures and techniques performed by the pricing services to derive fair value estimates.

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At March 31, 2016, amounts reported in residential mortgage-backed securities reflect government-rated obligations issued by Fannie Mae, Freddie Mac and Ginnie Mae with a par value of $1.1 billion, a weighted-average coupon of 2.81% and a weighted-average remaining maturity of three years.

Derivative Financial Instruments

The Company's derivative financial instruments consist of interest rate swaps and foreign exchange forward contracts. These instruments are classified as Level 2 as their fair values are estimated using proprietary pricing models, containing certain assumptions based on readily observable market-based inputs, including interest rate curves, option volatility and foreign currency forward and spot rates. In determining fair values, the pricing models use widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity and the observable market-based inputs. The fair values of the interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). The variable cash payments are based on an expectation of future interest rates derived from the observable market interest rate curves. The Company considers collateral and master netting agreements that mitigate credit exposure to counterparties in determining the counterparty credit risk valuation adjustment. The fair values of the currency instruments are valued comparing the contracted forward exchange rate pertaining to the specific contract maturities to the current market exchange rate.

The Company validates the fair value estimates of interest rate swaps primarily through comparison to the fair value estimates computed by the counterparties to each of the derivative transactions. The Company evaluates pricing variances amongst different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company performs due diligence in understanding the impact to any changes to the valuation techniques performed by proprietary pricing models prior to implementation, working closely with the third-party valuation service, and reviews the control objectives of the service at least annually. The Company corroborates the fair value of foreign exchange forward contracts through independent calculation of the fair value estimates.

Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis

The Company also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis. These assets include those associated with acquired businesses, including goodwill and other intangible assets. For these assets, measurement at fair value in periods subsequent to the initial recognition of the assets is applicable if one or more of the assets is determined to be impaired. During the three months ended March 31, 2016 and 2015, the Company had no material impairments related to these assets.

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Financial Instruments Measured at Other Than Fair Value

The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total		Carrying Value
Balance at March 31, 2016
Assets
U.S Treasury securities	$	1	$	—	$	—	$	1	$	1
States and political subdivisions of states	—		5		—		5		5
Residential mortgage-backed securities - Agency	—		129		—		129		126
Held-to-maturity investment securities	$	1	$	134	$	—	$	135	$	132

Cash and cash equivalents	$	12,135	$	—	$	—	$	12,135	$	12,135
Restricted cash	$	1,010	$	—	$	—	$	1,010	$	1,010
Net loan receivables	$	—	$	—	$	69,473	$	69,473	$	68,399
Accrued interest receivables	$	—	$	666	$	—	$	666	$	666

Liabilities
Deposits	$	—	$	48,775	$	—	$	48,775	$	48,465
Long-term borrowings - owed to securitization investors	$	—	$	15,849	$	1,131	$	16,980	$	16,779
Other long-term borrowings	$	—	$	8,444	$	—	$	8,444	$	7,973
Accrued interest payables	$	—	$	172	$	—	$	172	$	172

Balance at December 31, 2015
Assets
U.S Treasury securities	$	1	$	—	$	—	$	1	$	1
States and political subdivisions of states	—		7		—		7		7
Residential mortgage-backed securities - Agency	—		114		—		114		113
Held-to-maturity investment securities	$	1	$	121	$	—	$	122	$	121

Cash and cash equivalents	$	9,572	$	—	$	—	$	9,572	$	9,572
Restricted cash	$	99	$	—	$	—	$	99	$	99
Net loan receivables	$	—	$	—	$	71,455	$	71,455	$	70,516
Accrued interest receivables	$	—	$	660	$	—	$	660	$	660

Liabilities
Deposits⁽¹⁾	$	—	$	47,714	$	—	$	47,714	$	47,531
Long-term borrowings - owed to securitization investors⁽¹⁾	$	—	$	15,634	$	1,220	$	16,854	$	16,735
Other long-term borrowings⁽¹⁾	$	—	$	8,355	$	—	$	8,355	$	7,915
Accrued interest payables	$	—	$	158	$	—	$	158	$	158


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

The fair values of these financial assets and liabilities, which are not carried at fair value on the condensed consolidated statements of financial condition, were determined by applying the fair value provisions discussed herein. The use of different assumptions or estimation techniques may have a material effect on these estimated fair value amounts. The following describes the valuation techniques of these financial instruments measured at other than fair value.

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Cash and Cash Equivalents

The carrying value of cash and cash equivalents approximates fair value due to the low level of risk these assets present to the Company, as well as the relatively liquid nature of these assets, particularly given their short maturities.

Restricted Cash

The carrying value of restricted cash approximates fair value due to the low level of risk these assets present to the Company, as well as the relatively liquid nature of these assets, particularly given their short maturities.

Held-to-Maturity Investment Securities

Held-to-maturity investment securities consist of residential mortgage-backed securities issued by agencies and municipal bonds. The fair value of residential mortgage-backed securities included in the held-to-maturity portfolio is estimated similarly to residential mortgage-backed securities carried at fair value on a recurring basis discussed herein. Municipal bonds are valued based on quoted market prices for the same or similar securities.

Net Loan Receivables

The Company's loan receivables are comprised of credit card and installment loans, including the PCI student loans. Fair value estimates are derived utilizing discounted cash flow analyses, the calculations of which are performed on groupings of loan receivables that are similar in terms of loan type and characteristics. Inputs to the cash flow analysis of each grouping consider recent prepayment and interest accrual trends and leverage forecasted loss estimates. The expected future cash flows, derived through the cash flow analysis, of each grouping are discounted at rates at which similar loans within each grouping could be originated under current market conditions. Significant inputs to the fair value measurement of the loan portfolio are unobservable and, as such, are classified as Level 3.

Accrued Interest Receivables

The carrying value of accrued interest receivables, which is included in other assets on the condensed consolidated statements of financial condition, approximates fair value as it is due in less than one year.

Deposits

The carrying values of money market deposits, savings deposits and demand deposits approximate fair value due to the potentially liquid nature of these deposits. For time deposits for which readily available market rates do not exist, fair values are estimated by discounting expected future cash flows using market rates currently offered for deposits with similar remaining maturities.

Long-Term Borrowings - Owed to Securitization Investors

Fair values of long-term borrowings owed to credit card securitization investors are determined utilizing quoted market prices of the same transactions and, as such, are classified as Level 2. Fair values of long-term borrowings owed to student loan securitization investors are calculated by discounting cash flows using estimated assumptions including, among other things, maturity and market discount rates. A portion of the difference between the carrying value and the fair value of the long-term borrowings owed to student loan securitization investors relates to purchase accounting adjustments recorded in connection with the December 2010 purchase of SLC. Significant inputs to these fair value measurements are unobservable and, as such, are classified as Level 3.

Other Long-Term Borrowings

Fair values of other long-term borrowings, consisting of subordinated and senior debt, are determined utilizing current observable market prices for those transactions and, as such, are classified as Level 2. A portion of the difference between the carrying value and the fair value of other long-term borrowings relates to the cash premiums paid in connection with the 2012 fiscal year debt exchanges.

Accrued Interest Payables

The carrying value of accrued interest payables, which is included in accrued expenses and other liabilities on the condensed consolidated statements of financial condition, approximates fair value as it is payable in less than one year.

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15.	Derivatives and Hedging Activities

The Company uses derivatives to manage its exposure to various financial risks. The Company does not enter into derivatives for trading or speculative purposes. Certain derivatives used to manage the Company’s exposure to interest rate movements and other identified risks are not designated as hedges and do not qualify for hedge accounting.

Derivatives may give rise to counterparty credit risk, which generally is addressed through collateral arrangements as described under the sub-heading "— Collateral Requirements and Credit-Risk Related Contingency Features." The Company enters into derivative transactions with established dealers that meet minimum credit criteria established by the Company. All counterparties must be pre-approved prior to engaging in any transaction with the Company. Counterparties are monitored on a regular basis by the Company to ensure compliance with the Company’s risk policies and limits. In determining the counterparty credit risk valuation adjustment for the fair values of derivatives, the Company considers collateral and legally enforceable master netting agreements that mitigate credit exposure to related counterparties.

All derivatives are recorded in other assets at their gross positive fair values and in accrued expenses and other liabilities at their gross negative fair values. See Note 14: Fair Value Measurements and Disclosures for a description of the valuation methodologies of derivatives. Cash collateral posted and held balances are recorded in other assets and deposits, respectively, in the condensed consolidated statements of financial condition. Collateral amounts recorded in the condensed consolidated statements of financial condition are based on the net collateral posted or held position for each applicable legal entity's master netting arrangement with each counterparty.

Derivatives Designated as Hedges

Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows arising from changes in interest rates, or other types of forecasted transactions, are considered cash flow hedges. Derivatives designated and qualifying as a hedge of the exposure to fluctuations in foreign exchange rates on investments in foreign entities are referred to as net investment hedges. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges.

Cash Flow Hedges

The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest payments on credit card securitized debt and deposits. The Company's outstanding cash flow hedges are for an initial maximum period of five years for securitized debt and seven years for deposits. The derivatives are designated as hedges of the risk of changes in cash flows on the Company's LIBOR or Federal Funds rate-based interest payments and qualify for hedge accounting in accordance with ASC Topic 815, Derivatives and Hedging (“ASC 815”).

The effective portion of the change in the fair value of derivatives designated as cash flow hedges is recorded in OCI and is subsequently reclassified into earnings in the period that the hedged forecasted cash flows affect earnings. The ineffective portion of the change in fair value of the derivative, if any, is recognized directly in earnings. Amounts reported in AOCI related to derivatives at March 31, 2016 will be reclassified to interest expense as interest payments are made on certain of the Company's floating-rate securitized debt or deposits. During the next 12 months, the Company estimates it will reclassify $31 million of pretax losses to interest expense related to its derivatives designated as cash flow hedges.

Fair Value Hedges

The Company is exposed to changes in fair value of certain of its fixed-rate debt obligations due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value of certain fixed-rate senior notes, securitized debt, bank notes and interest-bearing brokered deposits attributable to changes in LIBOR, a benchmark interest rate as defined by ASC 815. These interest rate swaps qualify as fair value hedges in accordance with ASC 815. Changes in both (i) the fair values of the derivatives and (ii) the hedged fixed-rate senior notes, securitized debt, bank notes and interest-bearing brokered deposits relating to the risk being hedged are recorded in interest expense. The changes generally provide substantial offset to one another, with any difference, or ineffectiveness recorded in interest expense. Any basis differences between the fair value and the carrying amount of the hedged item at the inception of the hedging relationship are amortized to interest expense.

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Derivatives Not Designated as Hedges

Foreign Exchange Forward Contracts

The Company has foreign exchange forward contracts that are economic hedges and are not designated as accounting hedges. The Company enters into foreign exchange forward contracts to manage foreign currency risk. Changes in the fair value of these contracts are recorded in other income.

Interest Rate Swaps

The Company may have, from time to time, interest rate swap agreements that are not designated as hedges. Such agreements are not speculative and are also used to manage interest rate risk but are not designated for hedge accounting. Changes in the fair value of these contracts are recorded in other income.

The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):

	March 31, 2016									December 31, 2015
	Notional Amount		Number of Outstanding Derivative Contracts	Derivative Assets			Derivative Liabilities			Notional Amount		Derivative Assets			Derivative Liabilities
Derivatives designated as hedges
Interest rate swaps—cash flow hedge	$	4,100	8	$	—		$	78		$	4,100	$	—		$	35
Interest rate swaps—fair value hedge	$	4,854	105	58			—			$	4,110	22			3
Derivatives not designated as hedges
Foreign exchange forward contracts⁽¹⁾	$	32	6	—			—			$	32	—			—
Interest rate swap⁽²⁾	$	198	1	—			—			$	217	—			—
Total gross derivative assets/liabilities⁽³⁾				58			78					22			38
Less: Collateral held/posted⁽⁴⁾				(21		)	(63		)			(8		)	(33		)
Total net derivative assets/liabilities				$	37		$	15				$	14		$	5


(1)	The foreign exchange forward contracts have notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of March 31, 2016, and notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of December 31, 2015.


(2)	Interest rate swaps not designated as hedges do not have associated master netting arrangements.

(3)

In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At March 31, 2016, the Company had one outstanding contract with a notional amount of $36 million and immaterial fair value. At December 31, 2015, the Company had one outstanding contract with a notional amount of $52 million and immaterial fair value.


(4)	Collateral amounts, which consist of both cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.

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The following tables summarize the impact of the derivative instruments on income and OCI and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):

		Amount of Loss Recognized in OCI
		For the Three Months Ended March 31,
	Location	2016			2015
Derivatives designated as hedges
Interest rate swaps - cash flow/net investment hedges
Total loss recognized in OCI after amounts reclassified into earnings, pre-tax	OCI	$	(43	)	$	(35	)
Total loss recognized in OCI		$	(43	)	$	(35	)


		Amount of (Loss) Gain Recognized in Income
		For the Three Months Ended March 31,
	Location	2016			2015
Derivatives designated as hedges
Interest rate swaps - cash flow hedges
Amount reclassified from OCI into income	Interest Expense	$	(9	)	$	(12	)
Total amount reclassified from OCI into income		(9		)	(12		)

Interest rate swaps - fair value hedges
Adjustments - ineffectiveness		31			5
Adjustments - other		9			8
Gain on interest rate swaps	Interest Expense	40			13

Adjustments - ineffectiveness		(29		)	(3		)
Adjustments - other		(2		)	(1		)
Loss on hedged item	Interest Expense	(31		)	(4		)

Total loss on derivatives designated as hedges recognized in income		$	—		$	(3	)

Derivatives not designated as hedges
Total (loss) gain on derivatives not designated as hedges recognized in income⁽¹⁾	Other Income	$	(1	)	$	49


(1)	Amount as of March 31, 2015 includes $2 million gain on forward delivery contracts and $44 million gain on interest rate lock commitments related to the mortgage loan business that was closed during 2015. See Note 2: Business Dispositions.

Collateral Requirements and Credit-Risk Related Contingency Features

The Company has master netting arrangements and minimum collateral posting thresholds with its counterparties for its fair value and cash flow hedge interest rate swaps, foreign exchange forward contracts and forward delivery contracts. The Company has not sought a legal opinion in relation to the enforceability of its master netting arrangements and, as such, does not report any of these positions on a net basis. Collateral is required by either the Company or its subsidiaries or the counterparty depending on the net fair value position of these derivatives held with that counterparty. The Company may also be required to post collateral with a counterparty for its fair value and cash flow hedge interest rate swaps depending on the credit rating it or Discover Bank receives from specified major credit rating agencies. Collateral receivable or payable amounts are not offset against the fair value of these derivatives, but are recorded separately in other assets or deposits.

As of March 31, 2016, DFS had a right to reclaim $4 million of cash collateral that had been posted (net of amounts required to be posted by the counterparty) because the credit rating of the Company did not meet specified thresholds. At March 31, 2016, Discover Bank’s credit rating met specified thresholds set by its counterparties. However, if its credit rating is reduced by one ratings notch, Discover Bank would be required to post additional collateral, which would have been $69 million as of March 31, 2016.

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The Company also has agreements with certain of its derivative counterparties that contain a provision where if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations.


16.	Segment Disclosures

The Company’s business activities are managed in two segments: Direct Banking and Payment Services.

•

Direct Banking: The Direct Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home equity loans, and other consumer lending and deposit products. The majority of Direct Banking revenues relate to interest income earned on the segment's loan products. Additionally, the Company’s credit card products generate substantially all revenues related to discount and interchange, protection products and loan fee income.

•

Payment Services: The Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and the Company’s Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue (included in other income) from Diners Club.

The business segment reporting provided to and used by the Company’s chief operating decision maker is prepared using the following principles and allocation conventions:


•	The Company aggregates operating segments when determining reportable segments.


•	Corporate overhead is not allocated between segments; all corporate overhead is included in the Direct Banking segment.


•	Through its operation of the Discover Network, the Direct Banking segment incurs fixed marketing, servicing and infrastructure costs that are not specifically allocated among the segments, with the exception of an allocation of direct and incremental costs driven by the Company's Payment Services segment.


•	The assets of the Company are not allocated among the operating segments in the information reviewed by the Company’s chief operating decision maker.


•	The revenues of each segment are derived from external sources. The segments do not earn revenue from intercompany sources.


•	Income taxes are not specifically allocated between the operating segments in the information reviewed by the Company’s chief operating decision maker.

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The following table presents segment data (dollars in millions):

	Direct Banking		Payment Services		Total
For the Three Months Ended March 31, 2016
Interest income
Credit card loans	$	1,733	$	—	$	1,733
Private student loans	107		—		107
PCI student loans	49		—		49
Personal loans	167		—		167
Other	28		—		28
Total interest income	2,084		—		2,084
Interest expense	334		—		334
Net interest income	1,750		—		1,750
Provision for loan losses	423		1		424
Other income	406		68		474
Other expense	851		35		886
Income before income tax expense	$	882	$	32	$	914

For the Three Months Ended March 31, 2015
Interest income
Credit card loans	$	1,606	$	—	$	1,606
Private student loans	90		—		90
PCI student loans	60		—		60
Personal loans	152		—		152
Other	21		—		21
Total interest income	1,929		—		1,929
Interest expense	300		—		300
Net interest income	1,629		—		1,629
Provision for loan losses	388		2		390
Other income	468		74		542
Other expense	828		45		873
Income before income tax expense	$	881	$	27	$	908


17.	Subsequent Events

The Company has evaluated events and transactions that have occurred subsequent to March 31, 2016 and determined that other than the matters disclosed in Note 9: Income Taxes, there were no subsequent events that would require recognition or disclosure in the condensed consolidated financial statements.

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Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations

The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our condensed consolidated financial statements and related notes included elsewhere in this quarterly report. This quarterly report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements, which speak to our expected business and financial performance, among other matters, contain words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “aim,” “will,” “may,” “should,” “could,” “would,” “likely,” and similar expressions. Such statements are based upon the current beliefs and expectations of our management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements. These forward-looking statements speak only as of the date of this quarterly report, and there is no undertaking to update or revise them as more information becomes available.

The following factors, among others, could cause actual results to differ materially from those set forth in the forward-looking statements: changes in economic variables, such as the availability of consumer credit, the housing market, energy costs, the number and size of personal bankruptcy filings, the rate of unemployment, the levels of consumer confidence and consumer debt and investor sentiment; the impact of current, pending and future legislation, regulation, supervisory guidance and regulatory and legal actions, including, but not limited to, those related to financial regulatory reform, consumer financial services practices, anti-corruption and funding, capital and liquidity; the actions and initiatives of current and potential competitors; our ability to manage our expenses; our ability to successfully achieve card acceptance across our networks and maintain relationships with network participants; our ability to sustain and grow our private student loan, personal loan and home equity loan products; losses as a result of mortgage loan repurchase and indemnification obligations to secondary market purchasers; difficulty obtaining regulatory approval for, financing, transitioning, integrating or managing the expenses of acquisitions of or investments in new businesses, products or technologies; our ability to manage our credit risk, market risk, liquidity risk, operational risk, legal and compliance risk and strategic risk; the availability and cost of funding and capital; access to deposit, securitization, equity, debt and credit markets; the impact of rating agency actions; the level and volatility of equity prices, commodity prices and interest rates, currency values, investments, other market fluctuations and other market indices; losses in our investment portfolio; limits on our ability to pay dividends and repurchase our common stock; limits on our ability to receive payments from our subsidiaries; fraudulent activities or material security breaches of key systems; our ability to remain organizationally effective; our ability to increase or sustain Discover card usage or attract new customers; our ability to maintain relationships with merchants; the effect of political, economic and market conditions, geopolitical events and unforeseen or catastrophic events; our ability to introduce new products and services; our ability to manage our relationships with third-party vendors; our ability to maintain current technology and integrate new and acquired systems; our ability to collect amounts for disputed transactions from merchants and merchant acquirers; our ability to attract and retain employees; our ability to protect our reputation and our intellectual property; and new lawsuits, investigations or similar matters or unanticipated developments related to current matters. We routinely evaluate and may pursue acquisitions of or investments in businesses, products, technologies, loan portfolios or deposits, which may involve payment in cash or our debt or equity securities.

Additional factors that could cause our results to differ materially from those described below can be found in this section in this quarterly report and in “Risk Factors,” “Business—Competition,” “Business—Supervision and Regulation” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in our annual report on Form 10-K for the year ended December 31, 2015, which is filed with the SEC and available at the SEC’s internet site (http://www.sec.gov).

Introduction and Overview

Discover Financial Services ("DFS") is a direct banking and payment services company. We provide direct banking products and services and payment services through our subsidiaries. We offer our customers credit card loans, private student loans, personal loans, home equity loans and deposit products. We also operate the Discover Network, the PULSE network (“PULSE”) and Diners Club International (“Diners Club”). The Discover Network processes transactions for Discover-branded credit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally, as well as point-of-sale terminals at retail locations throughout the U.S. for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded charge cards and/or provide card acceptance services.

Our primary revenues consist of interest income earned on loan receivables and fees earned from customers, merchants and issuers. The primary expenses required to operate our business include funding costs (interest expense), loan

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loss provisions, customer rewards and expenses incurred to grow, manage and service our loan receivables and networks. Our business activities are funded primarily through consumer deposits, securitization of loan receivables and the issuance of unsecured debt.

Quarter Highlights


•	Net income for the three months ended March 31, 2016 was $575 million, compared to $586 million for the same period in 2015.


•	Total loans grew $2.7 billion, or 4%, from March 31, 2015 to $70.3 billion.


•	Credit card loans grew $2.1 billion, or 4%, to $55.6 billion and Discover card sales volume increased 4% from the prior year.


•	Net charge-off rate decreased 5 basis points from the prior year to 2.21% and the credit card delinquency rate for loans over 30 days past due increased 4 basis points from the prior year to 1.68%.


•	Direct-to-consumer deposits grew $3.5 billion, or 12%, from the prior year to $32.8 billion.


•	Payment Services transaction dollar volume for the segment was $45.0 billion, down 10% from the prior year.

Outlook

The growth of our existing direct banking products remains a priority. We are pursuing new card accounts and wallet share gains with existing customers through investments in marketing and rewards as well as new card features. We continue to target growth in our private student and personal loans. As a result of these activities, we expect revenues to continue to grow from prior year. We expect total other income to decline from 2015 levels due to lower fee revenues driven by the exit of our mortgage origination business, decline in protection products revenue, and higher credit card rewards rate. Additionally, we continue to focus on capital deployment through organic growth in the business and through our quarterly dividends and share repurchase program.

The total charge-off rate is expected to continue to increase slightly during the year, assuming no material change in the macroeconomic environment. While the credit environment has been relatively stable, we added to the loan loss reserve in the first quarter primarily due to loan growth and seasoning of accounts.

We expect total expenses in 2016 to be lower than 2015. We remain focused on enhancing our regulatory compliance activities, including those related to anti-money laundering. While these enhancements will continue, we currently expect the look-back project to be largely behind us in the second half of 2016.

We continue to leverage our proprietary network to support our card-issuing business and we expect intense competition in the payments industry to persist. This environment will likely continue to impact the revenue margins, transaction volume and business strategies.

Regulatory Environment and Developments

In recent years, Federal banking regulators have implemented and continue to propose and finalize new regulations and supervisory guidance, including under the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act"), and have been increasing their examination and enforcement action activities. The Dodd-Frank Act creates a framework for regulation of large systemically significant financial firms, including Discover, through a variety of measures, including increased capital and liquidity requirements, limits on leverage and enhanced supervisory authority. The Dodd-Frank Act contains comprehensive provisions governing the practices and oversight of financial institutions and other participants in the financial markets. We expect regulators to continue taking formal enforcement actions against financial institutions in addition to addressing concerns through non-public supervisory actions or findings.

The impact of the evolving regulatory environment on our business and operations depends upon a number of factors including supervisory priorities and actions, our actions and those of our competitors and other marketplace participants, and the behavior of consumers. Regulatory developments, findings and ratings could negatively impact our business strategies, require us to limit or change our business practices, limit our product offerings, invest more management time and resources in compliance efforts, limit the fees we can charge for services, or limit our ability to pursue certain business opportunities and obtain related required regulatory approvals. For more information on recent matters affecting Discover, see Note 13:

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Litigation and Regulatory Matters to our condensed consolidated financial statements. Regulatory developments also could impact our strategies, the value of our assets, or otherwise adversely affect our businesses.

Compliance expenditures have increased significantly for Discover and other financial services firms, and we expect them to continue to increase as regulators remain focused on controls and operational processes. We may face additional compliance and regulatory risk to the extent that we enter into new business arrangements with third-party service providers, alternative payment providers or other industry participants. The additional expense, time and resources needed to comply with ongoing regulatory requirements may adversely impact our business and results of operations.

Consumer Financial Services

The Consumer Financial Protection Bureau (the "CFPB") regulates consumer financial products and services, as well as certain financial services providers, including Discover. The CFPB is authorized to prevent “unfair, deceptive or abusive acts or practices” and ensure consistent enforcement of laws so that all consumers have access to markets for consumer financial products and services that are fair, transparent and competitive. The CFPB has rulemaking and interpretive authority under the Dodd-Frank Act and other federal consumer financial services laws, as well as broad supervisory, examination and enforcement authority over large providers of consumer financial products and services, such as Discover. Under its rulemaking authority, the CFPB announced that it is considering rules that will limit the use of arbitration clauses. For more information, see Note 13: Litigation and Regulatory Matters to our condensed consolidated financial statements.

On February 25, 2016 the CFPB issued its policy priorities over the next two years, which include several consumer financial products of the type we offer as areas of focus: credit cards, private student loans and home loans. The CFPB collects detailed account level information from us about credit cards and other products, and is authorized to collect fines and require consumer restitution in the event of violations. In addition, the CFPB has an online complaint portal that shows the subject matter of consumers' complaints about financial products, as well as the nature of financial services providers' responses to each complaint, such as whether requested relief was provided. In June 2015, the CFPB began publishing narratives of complaints made to the CFPB by consumers who opted to have their complaint narratives made public. The publication through the portal of unverified detailed consumer narratives could lead to reputational injury of financial institutions. The CFPB's analysis of account data and complaints could inform future decisions with respect to regulatory, enforcement or examination focus, and influence consumers' attitudes about doing business with Discover.

Credit Cards

Pursuant to the Credit Card Accountability Responsibility and Disclosure Act of 2009 (the "CARD Act"), the CFPB recently announced its bi-annual review of the consumer credit card market. The bi-annual review report provided additional guidance for credit card issuers, and concluded that the CARD Act reduced the overall cost of credit. The report discussed the use of new technology, including the movement of marketing and the opening of new accounts to digital channels. The CFPB also discussed debt collection practices, and the complexity of card agreements and rewards programs. The cost and availability of credit, credit disclosures and consumer experience with debt collectors continue to be a focus of the CFPB. The CFPB has indicated that it is considering issuing regulations to ensure that debt collectors have sufficient information to collect the related debt, prevent unfair, deceptive and abusive acts and practices, inform consumers of their rights and provide interpretations on certain sections of the Fair Debt Collections Practices Act. We anticipate that the CFPB will propose debt collection regulations that apply to our lending business in 2016. Courts and legislators also have been focused on the debt collection practices of consumer financial services providers. The ultimate impact of this increased scrutiny is uncertain at this time.

Private Student Loans

There continues to be significant legislative and regulatory focus on the private student loan market, including by the CFPB and the Federal Deposit Insurance Corporation (the "FDIC"). This regulatory focus has resulted in an increase in supervisory examinations of Discover related to private student loans. On July 22, 2015, the CFPB issued a consent order with respect to certain student loan servicing practices of Discover Bank, The Student Loan Corporation and Discover Products, Inc. See Note 13: Litigation and Regulatory Matters to our condensed consolidated financial statements for more information.

The recent regulatory areas of focus include servicing and collection practices and other matters. On September 29, 2015, the CFPB issued a report, Student loan servicing: Analysis of public input and recommendations for reform, which analyzes public comments to the CFPB’s May 2015 Request for Information on student loan servicing and synthesizes public

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recommendations regarding certain student loan servicing practices. On October 1, 2015, the Department of Education issued its report, "Strengthening the Student Loan System to Better Protect All Borrowers", which makes recommendations for student loan policy initiatives. In connection with these reports, the CFPB, Department of Education and the Department of Treasury issued a “Joint Statement of Principles on Student Loan Servicing,” setting forth regulatory principles to ensure that student loan servicing is consistent, accurate and actionable, accountable, and transparent. The enactment of new legislation or the adoption of new regulations or guidance may increase the complexity and expense of servicing student loans. Legislators and regulators may take additional actions that impact the student loan market in the future, which could cause us to restructure our private student loan products in ways that we may not currently anticipate.

Mortgage Lending

In June 2015, we announced the closure of our mortgage origination business acquired in 2012. We will continue to originate home equity loans through Discover Bank. The mortgage industry continues to be an area of supervisory focus and the CFPB has stated that it will concentrate its examinations on the variety of mortgage-related topics including steering consumers to less favorable products, discrimination, abusive or unfair lending practices, predatory lending, origination disclosures, minimum mortgage underwriting standards, mortgage loan origination compensation and servicing practices. The CFPB has published several final rules impacting the mortgage industry, including rules related to ability-to-repay, mortgage servicing, the Home Mortgage Disclosure Act and integrated mortgage origination disclosures.

Payment Networks

The Dodd-Frank Act contains several provisions impacting the debit card market, including network participation requirements and interchange fee limitations. The changing debit card environment, including competitor actions related to merchant and acquirer pricing and transaction routing strategies, has adversely affected, and is expected to continue to adversely affect, our PULSE network's business practices, network transaction volume, revenue and prospects for future growth. We continue to closely monitor competitor pricing strategies in order to assess their impact on our business and on competition in the marketplace. The U.S. Department of Justice is examining some of these competitor pricing strategies. In addition, PULSE filed a lawsuit against Visa in late 2014 with respect to these competitive concerns, which will significantly impact expenses for the payment services segment. In addition, the Dodd-Frank Act's network participation requirements impact PULSE's ability to enter into exclusivity arrangements, which affects PULSE's current business practices and may materially adversely affect its network transaction volume and revenue.

Increasing cybersecurity threats and incidents regarding unauthorized access to consumer information have resulted in a continued focus by Congress and state legislators on legislation to address data security. In December 2015, the President signed an omnibus spending package that included the Cybersecurity Act of 2015. Title I of the Cybersecurity Act, the Cybersecurity Information Sharing Act ("CISA"), establishes a framework to facilitate and encourage confidential sharing of cybersecurity information among private sector and federal government entities and provides liability shields for cybersecurity information sharing under the Act. On February 16, 2016, the Attorney General and the Department of Homeland Security ("DHS") jointly published interim guidelines related to CISA, however, further guidance from DHS and other agencies is required under CISA and is expected to be published over the next few months. Additionally, legislation has been proposed to address security breach notification. These developments could ultimately result in the imposition of requirements on Discover or other card issuers, or networks that could increase costs or adversely affect the competitiveness of our credit card or debit card products. It is too early to know if the proposed legislation will become law or the impact of these developments on Discover.

European interchange fee regulation entered into force in June 2015. Certain provisions became effective in December 2015, while others will come into effect in June 2016. The regulation, among other things, caps interchange fees of "four-party" networks such as Visa and MasterCard. However, the regulation provides that “three-party” networks should be treated as “four-party” networks when they license third-party providers to issue cards and/or acquire merchants or when they issue cards with a co-brand partner or through an agent. This means the caps apply to elements of the financial arrangements agreed to between Diners Club and each of our stand-alone acquirers in Western Europe. The caps took effect in December 2015. The regulation excludes commercial card transactions from the scope of the caps. The regulation also contains a number of business rules, which we are assessing and, to the extent applicable, implementing. We are continuing to evaluate our business strategies.

There are additional initiatives in Europe that may have an impact on our Diners Club business, including revisions to the Payment Services Directive ("PSD2") and the new General Data Protection Regulation ("GDPR"). The PSD2 was published in the Official Journal of the EU in December 2015. Each European Union member state will transpose the PSD2

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into its national law, and in January 2018 the PSD2 will enter into force. Among other terms, the PSD2 includes provisions that once transposed into local law will regulate surcharging and network access requirements, which may result in differential surcharging of Diners Club cards and may impact Diners Club licensing arrangements in Europe. The European Parliament's Civil Liberties, Justice and Home Affairs Committee approved the final draft of the GDPR in December 2015. The GDPR, which updates data protection law across the European Union, is expected to be ratified by the European Council and the European Parliament in early 2016 and organizations will then have two years to prepare before the legislation comes into force in early 2018. It is too early to know the impact of the GDPR on our business.

Capital, Liquidity and Funding

Capital

Discover Financial Services and Discover Bank are subject to regulatory capital requirements that became effective January 1, 2015 under final rules issued by the Federal Reserve and the FDIC to implement the provisions under the Basel Committee’s December 2010 framework (referred to as “Basel III”). The final capital rules ("Basel III rules") require minimum risk-based capital and leverage ratios and define what constitutes capital for purposes of calculating those ratios. In addition, the Basel III rules establish a capital conservation buffer above the new regulatory minimum capital requirements, which must consist entirely of Common Equity Tier 1 ("CET1") capital and result in higher required minimum ratios by up to 2.5%. The new capital conservation buffer requirement became effective on January 1, 2016; however, the buffer threshold amounts are subject to a gradual phase-in period. In 2016, the highest capital conservation buffer threshold is 0.625%. The full 2.5% buffer requirement will not be fully phased-in until January 2019. A banking organization is subject to limitations on paying dividends, engaging in share repurchases and paying discretionary bonuses if its capital level falls below any of the minimum capital requirements, including the applicable capital conservation buffer thresholds. Based on our current capital composition and levels and business plans, we are and expect to continue to be in compliance with the requirements for the foreseeable future. For additional information, see "— Liquidity and Capital Resources — Capital."

The Basel Committee has recently proposed revisions to its standardized approach to measuring credit risk for purposes of calculating regulatory capital requirements. The proposed revisions include a provision that would, for the first time, require banking organizations to include a percentage of “unconditionally cancellable commitments” in risk weighted asset calculations. This change could require credit card issuers, such as Discover, to substantially increase the amount of capital they hold against unused credit card lines. If the Basel Committee were to adopt the revisions as proposed, they would become applicable to Discover only if implemented within the United States by the domestic federal bank regulatory agencies, and made applicable to "Standardized Approach" banks. Those agencies have publicly acknowledged the Basel Committee’s proposals, indicating that the revisions “would apply primarily to large, internationally active banking organizations.”

Liquidity

We are subject to the Federal Reserve's final rule implementing certain enhanced prudential standards under the Dodd-Frank Act for large U.S. bank holding companies, including enhanced liquidity and risk management requirements, which became effective January 1, 2015. The final rule prescribes a broad range of qualitative liquidity risk management practices.

Additionally, we are subject to the U.S. liquidity coverage ratio rule issued by federal banking regulators in 2014 which became effective on January 1, 2016. This new quantitative requirement is designed to promote the short-term resilience of the liquidity risk profile of large and internationally active banking organizations in the United States. The rule requires covered banks to maintain an amount of high-quality liquid assets sufficient to cover projected net cash outflows during a prospective 30-day calendar period under an acute, hypothetical liquidity stress scenario. Given our current asset size, we are subject to a modified liquidity coverage ratio requirement which requires a lower level of high-quality liquid assets to meet the minimum ratio requirement due to adjustments to the net cash outflow amount. Under the rule's transition period, we are required to maintain a liquidity ratio of 90% in 2016, which will increase to 100% in 2017. We believe our liquidity management practices position us well to comply with this new standard.

Segments

We manage our business activities in two segments: Direct Banking and Payment Services. In compiling the segment results that follow, our Direct Banking segment bears all corporate overhead costs that are not specifically associated with a particular segment and all costs associated with Discover Network marketing, servicing and infrastructure, with the exception of an allocation of direct and incremental costs driven by our Payment Services segment.

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Direct Banking

Our Direct Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home equity loans, and other consumer lending and deposit products. The majority of Direct Banking revenues relate to interest income earned on the segment's loan products. Additionally, our credit card products generate substantially all of our revenues related to discount and interchange, protection products and loan fee income.

Payment Services

Our Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and our Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue (included in other income) from Diners Club.

The following table presents segment data (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Direct Banking
Interest income
Credit card	$	1,733	$	1,606
Private student loans	107		90
PCI student loans	49		60
Personal loans	167		152
Other	28		21
Total interest income	2,084		1,929
Interest expense	334		300
Net interest income	1,750		1,629
Provision for loan losses	423		388
Other income	406		468
Other expense	851		828
Income before income tax expense	882		881
Payment Services
Provision for loan losses	1		2
Other income	68		74
Other expense	35		45
Income before income tax expense	32		27
Total income before income tax expense	$	914	$	908

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The following table presents information on transaction volume (in millions):

	For the Three Months Ended March 31,
	2016		2015
Network Transaction Volume
PULSE Network	$	34,680	$	40,814
Network Partners	3,572		2,949
Diners Club⁽¹⁾	6,738		6,474
Total Payment Services	44,990		50,237
Discover Network—Proprietary⁽²⁾	28,576		27,324
Total Volume	$	73,566	$	77,561
Transactions Processed on Networks
Discover Network	486		456
PULSE Network	841		1,024
Total	1,327		1,480
Credit Card Volume
Discover Card Volume⁽³⁾	$	30,004	$	28,725
Discover Card Sales Volume⁽⁴⁾	$	27,552	$	26,379


(1)	Diners Club volume is derived from data provided by licensees for Diners Club branded cards issued outside North America and is subject to subsequent revision or amendment.


(2)	Represents gross proprietary sales volume on the Discover Network.


(3)	Represents Discover card activity related to net sales, balance transfers, cash advances and other activity.


(4)	Represents Discover card activity related to net sales.

Direct Banking

Our Direct Banking segment reported pretax income of $882 million for the three months ended March 31, 2016, as compared to pretax income of $881 million for the same period in 2015.

Loan receivables decreased to $70.3 billion at March 31, 2016 as compared to $72.4 billion at December 31, 2015 due to a decrease in credit card loans resulting from seasonally higher balances at the end of the year. Discover card sales volume was $27.6 billion for the three months ended March 31, 2016, which was an increase of 4.4% as compared to the same period in 2015. This volume growth was driven primarily by an increase in discretionary spending and an additional day caused by leap year, partially offset by the impact of lower gas prices.

Net interest margin increased for the three months ended March 31, 2016 as compared to the same period in 2015 primarily driven by higher yields on total loan receivables, partially offset by higher funding costs. The increase in total loan receivable yields was primarily driven by growth in non-promotional revolving credit card loans combined with higher credit card yields resulting from the prime rate increase. The increased cost of funding was primarily driven by increased long-term borrowings.

Interest income increased during the three months ended March 31, 2016 as compared to the same period in 2015 due to loan growth along with yield expansion, partially offset by natural attrition in the PCI student loan portfolios.

Interest expense increased during the three months ended March 31, 2016 as compared to the same period in 2015 primarily due to growth in other long-term borrowings and savings deposits.

At March 31, 2016 and December 31, 2015, our delinquency rate for credit card loans over 30 days past due was 1.68% and 1.72%, respectively. For the three months ended March 31, 2016, our net charge-off rate on credit cards decreased to 2.34% as compared to 2.40% for the same period in 2015. The provision for loan losses increased in the three months ended March 31, 2016 as compared to the same period in 2015 due to an increase in reserve requirements and higher actual net charge-offs. For a more detailed discussion on provision for loan losses, see "— Loan Quality — Provision and Allowance for Loan Losses."

Total other income decreased in the three months ended March 31, 2016 as compared to the same period in 2015 driven by decreases in revenue related to mortgage banking operations and protection products revenue. The decrease in

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revenue related to mortgage banking operations was driven by the closure of our mortgage origination business. The decrease in protection products revenue reflects the impact of our no longer selling these products.

Total other expense increased in the three months ended March 31, 2016 as compared to the same period in 2015, despite the closing of the mortgage origination business. The increase was primarily driven by higher professional fees and higher employee compensation and benefit costs partially offset by lower marketing and business development expenses and lower other expense. The increase in professional fees was driven by anti-money laundering and related compliance program expenses and the growth in employee compensation costs resulted from growth in overall headcount driven in part by regulatory and compliance needs. The decrease in marketing and business development expenses primarily resulted from timing of advertising campaigns and the decrease in other expense was due to a provision with respect to a regulatory matter made during the three months ended March 31, 2015.

Payment Services

Our Payment Services segment reported pretax income of $32 million for the three months ended March 31, 2016 as compared to pretax income of $27 million for the same period in 2015, as lower other expense was partially offset by a decrease in other income. The decline in other expense was primarily driven by reduced expenses due to the sale of Diners Club Italy. The decrease in other income was primarily driven by a reduction in transaction processing revenue resulting from lower point-of-sale transactions.

Transaction dollar volume decreased $5.2 billion for the three months ended March 31, 2016 as compared to the same period in 2015, primarily driven by declines in PULSE network volume. The number of transactions processed on the PULSE network decreased for the three months ended March 31, 2016, as compared to the same period during 2015.

A weakening of the global economy or negative impacts in foreign currency may adversely affect our financial condition or results of operations in our Payment Services segments. We regularly review our Diners Club licensees with regard to their capital, liquidity and capacity to perform business operations. Although support to licensees declined in 2015, we may continue to provide additional support in the future, including loans, facilitating transfer of ownership, or acquiring assets or licensees, which may cause us to incur losses. The licensees that we currently consider to be of concern accounted for approximately 5% of Diners Club revenues during the three months ended March 31, 2016.

Critical Accounting Estimates

In preparing our condensed consolidated financial statements in conformity with accounting principles generally accepted in the United States ("GAAP"), management must make judgments and use estimates and assumptions about the effects of matters that are uncertain. For estimates that involve a high degree of judgment and subjectivity, it is possible that different estimates could reasonably be derived for the same period. For estimates that are particularly sensitive to changes in economic or market conditions, significant changes to the estimated amount from period to period are also possible. Management believes the current assumptions and other considerations used to estimate amounts reflected in our condensed consolidated financial statements are appropriate. However, if actual experience differs from the assumptions and other considerations used in estimating amounts in our condensed consolidated financial statements, the resulting changes could have a material effect on our consolidated results of operations and, in certain cases, could have a material effect on our consolidated financial condition. Management has identified the estimates related to our allowance for loan losses, the evaluation of goodwill and other non-amortizable intangible assets for potential impairment, the accrual of income taxes and estimates of future cash flows associated with PCI loans as critical accounting estimates. These critical accounting estimates are discussed in greater detail in our annual report on Form 10-K for the year ended December 31, 2015. That discussion can be found within “Management’s Discussion and Analysis of Financial Condition and Results of Operations” under the heading “— Critical Accounting Estimates.” There have not been any material changes in the methods used to formulate these critical accounting estimates from those discussed in our annual report on Form 10-K for the year ended December 31, 2015.

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Earnings Summary

The following table outlines changes in our condensed consolidated statements of income (dollars in millions):

	For the Three Months Ended March 31,				2016 vs. 2015 Increase (Decrease)
	2016		2015		$			%
Interest income	$	2,084	$	1,929	$	155		8	%
Interest expense	334		300		34			11	%
Net interest income	1,750		1,629		121			7	%
Provision for loan losses	424		390		34			9	%
Net interest income after provision for loan losses	1,326		1,239		87			7	%
Other income	474		542		(68		)	(13	)%
Other expense	886		873		13			1	%
Income before income tax expense	914		908		6			1	%
Income tax expense	339		322		17			5	%
Net income	$	575	$	586	$	(11	)	(2	)%

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Net Interest Income

The table that follows this section has been provided to supplement the discussion below and provide further analysis of net interest income and net interest margin. Net interest income represents the difference between interest income earned on our interest-earning assets and the interest expense incurred to finance those assets. We analyze net interest income in total by calculating net interest margin (net interest income as a percentage of average total loan receivables) and net yield on interest-bearing assets (net interest income as a percentage of average total interest-earning assets). We also separately consider the impact of the level of loan receivables and the related interest yield and the impact of the cost of funds related to each of our funding sources, along with the income generated by our liquidity portfolio, on net interest income.

Our interest-earning assets consist of: (i) cash and cash equivalents primarily related to amounts on deposit with the Federal Reserve Bank of Philadelphia, (ii) restricted cash, (iii) investment securities and (iv) loan receivables. Our interest-bearing liabilities consist primarily of deposits, both direct-to-consumer and brokered, and long-term borrowings, including amounts owed to securitization investors. Net interest income is influenced by the following:


•	The level and composition of loan receivables, including the proportion of credit card loans to other loans, as well as the proportion of loan receivables bearing interest at promotional rates as compared to standard rates;


•	The credit performance of our loans, particularly with regard to charge-offs of finance charges, which reduce interest income;


•	The terms of long-term borrowings and certificates of deposit upon initial offering, including maturity and interest rate;


•	The level and composition of other interest-bearing assets and liabilities, including our liquidity portfolio;


•	Changes in the interest rate environment, including the levels of interest rates and the relationships among interest rate indices, such as the prime rate, the Federal Funds rate and the London Interbank Offered Rate;


•	The effectiveness of interest rate swaps in our interest rate risk management program; and


•	The difference between the carrying amount and future cash flows expected to be collected on PCI loans.

Interest expense increased during the three months ended March 31, 2016 as compared to the same period in 2015 primarily due to growth in other long-term borrowings and savings deposits.

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Average Balance Sheet Analysis (dollars in millions)

	For the Three Months Ended March 31,
	2016							2015
	Average Balance			Rate		Interest		Average Balance⁽⁹⁾			Rate⁽⁹⁾		Interest
Assets
Interest-earning assets
Cash and cash equivalents	$	10,454		0.50	%	$	13	$	9,204		0.25	%	$	6
Restricted cash	801			0.40	%	1		605			0.11	%	—
Investment securities	2,998			1.47	%	11		2,944			1.75	%	13
Loan receivables⁽¹⁾
Credit card⁽²⁾	56,124			12.42	%	1,733		54,038			12.05	%	1,606
Personal loans	5,503			12.20	%	167		5,047			12.19	%	152
Private student loans	5,921			7.31	%	107		5,128			7.11	%	90
PCI student loans	3,046			6.46	%	49		3,593			6.72	%	59
Mortgage loans held for sale	—			—	%	—		136			3.59	%	1
Other	243			5.18	%	3		206			4.65	%	2
Total loan receivables	70,837			11.69	%	2,059		68,148			11.37	%	1,910
Total interest-earning assets	85,090			9.85	%	2,084		80,901			9.67	%	1,929
Allowance for loan losses	(1,866		)					(1,753		)
Other assets	4,453							4,309
Total assets	$	87,677						$	83,457
Liabilities and Stockholders’ Equity
Interest-bearing liabilities
Interest-bearing deposits
Time deposits⁽³⁾	$	25,449		1.67	%	106		$	26,928		1.60	%	106
Money market deposits⁽⁴⁾	6,986			1.05	%	18		7,461			0.98	%	18
Other interest-bearing savings deposits	15,076			1.01	%	38		11,536			0.99	%	28
Total interest-bearing deposits⁽⁵⁾	47,511			1.37	%	162		45,925			1.35	%	152
Borrowings
Short-term borrowings	2			0.64	%	—		126			1.43	%	1
Securitized borrowings⁽³⁾⁽⁴⁾	16,950			2.04	%	86		17,188			1.90	%	80
Other long-term borrowings⁽³⁾	7,934			4.38	%	86		5,271			5.14	%	67
Total borrowings	24,886			2.78	%	172		22,585			2.65	%	148
Total interest-bearing liabilities	72,397			1.86	%	334		68,510			1.78	%	300
Other liabilities and stockholders’ equity	15,280							14,947
Total liabilities and stockholders’ equity	$	87,677						$	83,457
Net interest income						$	1,750						$	1,629
Net interest margin⁽⁶⁾				9.94	%						9.69	%
Net yield on interest-bearing assets⁽⁷⁾				8.27	%						8.17	%
Interest rate spread⁽⁸⁾				7.99	%						7.89	%


(1)	Average balances of loan receivables include non-accruing loans, which are included in the yield calculations. If the non-accruing loan balances were excluded, there would not be a material impact on the amounts reported above.


(2)	Interest income on credit card loans includes $45 million and $48 million of amortization of balance transfer fees for the three months ended March 31, 2016 and 2015, respectively.


(3)	Includes the impact of interest rate swap agreements used to change a portion of fixed-rate funding to floating-rate funding.


(4)	Includes the impact of interest rate swap agreements used to change a portion of floating-rate funding to fixed-rate funding.


(5)	Includes the impact of FDIC insurance premiums.


(6)	Net interest margin represents net interest income as a percentage of average total loan receivables.


(7)	Net yield on interest-bearing assets represents net interest income as a percentage of average total interest-earning assets.


(8)	Interest rate spread represents the difference between the rate on total interest-earning assets and the rate on total interest-bearing liabilities.

(9)

Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of March 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation to our condensed consolidated financial statements for additional information.

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Loan Quality

Loan receivables consist of the following (dollars in millions):

	March 31, 2016			December 31, 2015
Loan receivables
Credit card loans	$	55,620		$	57,896
Other loans
Personal loans	5,534			5,490
Private student loans	5,949			5,647
Other	252			236
Total other loans	11,735			11,373
Purchased credit-impaired loans⁽¹⁾	2,965			3,116
Total loan receivables	70,320			72,385
Allowance for loan losses	(1,921		)	(1,869		)
Net loan receivables	$	68,399		$	70,516


(1)	Represents purchased credit-impaired private student loans (see Note 4: Loan Receivables to our condensed consolidated financial statements).

Provision and Allowance for Loan Losses

Provision for loan losses is the expense related to maintaining the allowance for loan losses at an appropriate level to absorb the estimated probable losses in the loan portfolio at each period end date. While establishing the estimate for probable losses requires management judgment, the factors that influence the provision for loan losses include:


•	The impact of general economic conditions on the consumer, including unemployment levels, bankruptcy trends and interest rate movements;


•	Changes in consumer spending and payment behaviors;


•	Changes in our loan portfolio, including the overall mix of accounts, products and loan balances within the portfolio and maturation of the loan portfolio;


•	The level and direction of historical and anticipated loan delinquencies and charge-offs;


•	The credit quality of the loan portfolio, which reflects, among other factors, our credit granting practices and effectiveness of collection efforts; and


•	Regulatory changes or new regulatory guidance.

The provision for loan losses is the amount of expense realized after considering the level of net charge-offs in the period and the required amount of allowance for loan losses at the balance sheet date. For the three months ended March 31, 2016, the provision for loan losses increased by $34 million, or 9%, as compared to the same period in 2015. The increase was due to a larger build of the allowance for loan losses as compared to the same period in 2015 as well as higher levels of net charge-offs.

In determining the allowance for loan losses, we estimate probable losses separately for segments of the loan portfolio that have similar risk characteristics. We use a migration analysis to estimate the likelihood that a loan will progress through the various stages of delinquency. We use other analyses to estimate losses incurred from non-delinquent accounts, which adds to the identification of loss emergence. We use these analyses together as a basis for determining our allowance for loan losses.

The allowance for loan losses was $1.9 billion at March 31, 2016, which reflects a $52 million reserve build over the amount of the allowance for loan losses at December 31, 2015. The reserve build, which primarily relates to credit card loans, was mainly due to loan growth and seasoning of accounts. At March 31, 2016, the level of the allowance related to personal loans increased as compared to December 31, 2015 due to loan growth and continued seasoning of the portfolio. At March 31, 2016, the level of allowance related to student loans and other loans remained relatively flat as compared to December 31, 2015.

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The following tables provide changes in our allowance for loan losses (dollars in millions):

	For the Three Months Ended March 31, 2016
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,554		$	155		$	143		$	17	$	1,869
Additions
Provision for loan losses	362			44			17			1		424
Deductions
Charge-offs	(439		)	(39		)	(15		)	—		(493		)
Recoveries	113			5			3			—		121
Net charge-offs	(326		)	(34		)	(12		)	—		(372		)
Balance at end of period	$	1,590		$	165		$	148		$	18	$	1,921

	For the Three Months Ended March 31, 2015
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,474		$	120		$	135		$	17	$	1,746
Additions
Provision for loan losses	337			31			20			2		390
Deductions
Charge-offs	(428		)	(31		)	(15		)	—		(474		)
Recoveries	109			3			2			—		114
Net charge-offs	(319		)	(28		)	(13		)	—		(360		)
Balance at end of period	$	1,492		$	123		$	142		$	19	$	1,776


(1)	Includes both PCI and non-PCI private student loans.

Net Charge-offs

Our net charge-offs include the principal amount of losses charged off less principal recoveries and exclude charged-off and recovered interest and fees and fraud losses. Charged-off and recovered interest and fees are recorded in interest income and loan fee income, respectively, which is effectively a reclassification of the provision for loan losses, while fraud losses are recorded in other expense. Credit card loan receivables are charged off at the end of the month during which an account becomes 180 days contractually past due. Personal loans and private student loans, which are closed-end consumer loan receivables, are generally charged off at the end of the month during which an account becomes 120 days contractually past due. Generally, customer bankruptcies and probate accounts are charged off at the end of the month 60 days following the receipt of notification of the bankruptcy or death but not later than the 180-day or 120-day contractual time frame.

The following table presents amounts and rates of net charge-offs of key loan products (dollars in millions):

	For the Three Months Ended March 31,
	2016				2015
	$		%		$		%
Credit card loans	$	326	2.34	%	$	319	2.40	%
Personal loans	$	34	2.45	%	$	28	2.22	%
Private student loans (excluding PCI⁽¹⁾)	$	12	0.85	%	$	13	1.03	%


(1)	Charge-offs for PCI loans did not result in a charge to earnings during any of the periods presented and are therefore excluded from the calculation. See Note 4: Loan Receivables to our condensed consolidated financial statements for more information regarding the accounting for charge-offs on PCI loans.

The net charge-off rate on our credit card loans for the three months ended March 31, 2016 decreased by 6 basis points when compared to the three months ended March 31, 2015 primarily driven by a lower number of bankruptcy filings and lower number of contractual charge-offs in relation to the continued growth in our credit card portfolio. The net charge-off rate on our personal loans for the three months ended March 31, 2016 increased by 23 basis points when compared to the same period in 2015 driven by higher charge-offs as a result of continued loan growth and seasoning of the portfolio. The net

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charge-off rate on our private student loans excluding PCI loans for the three months ended March 31, 2016 decreased by 18 basis points when compared to the same period in 2015 resulting from loan growth.

Delinquencies

Delinquencies are an indicator of credit quality at a point in time. A loan balance is considered delinquent when contractual payments on the loan become 30 days past due.

The following table presents the amounts and delinquency rates of key loan products that are 30 and 90 days or more delinquent, loan receivables that are not accruing interest, regardless of delinquency and restructured loans (dollars in millions):

	March 31, 2016				December 31, 2015
	$		%		$		%
Loans 30 or more days delinquent
Credit card loans	$	934	1.68	%	$	995	1.72	%
Personal loans	$	54	0.97	%	$	49	0.89	%
Private student loans (excluding PCI loans⁽¹⁾)	$	114	1.92	%	$	108	1.91	%

Loans 90 or more days delinquent
Credit card loans	$	480	0.86	%	$	490	0.85	%
Personal loans	$	14	0.25	%	$	15	0.27	%
Private student loans (excluding PCI loans⁽¹⁾)	$	36	0.61	%	$	24	0.43	%

Loans not accruing interest	$	216	0.32	%	$	224	0.32	%

Restructured loans
Credit card loans⁽²⁾	$	1,020	1.83	%	$	1,019	1.76	%
Personal loans⁽³⁾	$	70	1.26	%	$	68	1.24	%
Private student loans (excluding PCI loans⁽¹⁾)⁽⁴⁾	$	53	0.89	%	$	48	0.85	%


(1)	Excludes PCI loans which are accounted for on a pooled basis. Since a pool is accounted for as a single asset with a single composite interest rate and aggregate expectation of cash flows, the past-due status of a pool, or that of the individual loans within a pool, is not meaningful. Because we are recognizing interest income on a pool of loans, it is all considered to be performing.


(2)	Restructured credit card loans include $46 million and $44 million at March 31, 2016 and December 31, 2015, respectively, that are also included in loans over 90 days delinquent or more.


(3)	Restructured personal loans include $4 million at March 31, 2016 and December 31, 2015 that are also included in loans over 90 days delinquent or more.


(4)	Restructured private student loans include $3 million at March 31, 2016 and December 31, 2015 that are also included in loans over 90 days delinquent or more.

The credit card loan 30-day and 90-day delinquency rate at March 31, 2016 compared to December 31, 2015 remained relatively stable compared to December 31, 2015. Private student loan 90-day delinquency rate at March 31, 2016 increased compared to December 31, 2015 as a result of continued seasoning of the student loan portfolio as more loans have entered into repayment. Private student loan 30-day delinquency rate at March 31, 2016 remained relatively flat compared to December 31, 2015. The 30-day delinquency rate for personal loan at March 31, 2016 increased compared to December 31, 2015 primarily due to seasoning of the loan portfolio, while the 90-day delinquency rate remained relatively flat. The restructured loans delinquency rates at March 31, 2016 remained relatively stable compared to December 31, 2015.

Modified and Restructured Loans

We have loan modification programs that provide for temporary or permanent hardship relief for our credit card loans to borrowers experiencing financial difficulties. The temporary hardship program primarily consists of a reduced minimum payment and an interest rate reduction, both lasting for a period no longer than 12 months. The permanent modification program involves changing the structure of the loan to a fixed payment loan with a maturity no longer than 60 months and reducing the interest rate on the loan. The permanent modification program does not normally provide for the forgiveness of unpaid principal, but may allow for the reversal of certain unpaid interest or fee assessments. We also make loan modifications for customers who request financial assistance through external sources, such as a consumer credit counseling agency program. These loans continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees. For additional information regarding the accounting treatment for these loans as

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well as amounts recorded in the financial statements related to these loans, see Note 4: Loan Receivables to our condensed consolidated financial statements.

For student loan borrowers, in certain situations we offer hardship payment forbearance to borrowers who are experiencing temporary financial difficulties and are willing to resume making payments. When a borrower is 30 or more days delinquent and granted a second hardship forbearance period, we classify these loans as troubled debt restructurings. In addition, we offer temporary reduced payment programs, which normally consist of a reduction of the minimum payment for a period of no longer than 12 months each time the program is utilized by a borrower. When a student loan borrower is enrolled in a temporary reduced payment program for 12 months or fewer over the life of the loan, the modification is not considered a troubled debt restructuring. However, when enrollment is greater than 12 months over the life of the loan, the modification is considered a troubled debt restructuring.

For personal loan customers, in certain situations we offer various payment programs, including temporary and permanent programs. The temporary programs normally consist of a reduction of the minimum payment for a period of no longer than 12 months with the option of a final balloon payment required at the end of the loan term or an extension of the maturity date with the total term not exceeding nine years. Further, in certain circumstances, the interest rate on the loan is reduced. The permanent programs involve changing the terms of the loan in order to pay off the outstanding balance over a longer term and also in certain circumstances reducing the interest rate on the loan. Similar to the temporary programs, the total term may not exceed nine years. We also allow loan modifications for customers who request financial assistance through external sources, similar to our credit card customers discussed above. Payments are modified based on the new terms agreed upon with the credit counseling agency. Personal loans included in temporary and permanent programs are accounted for as troubled debt restructurings.

Borrower performance after using payment programs or forbearance is monitored and we believe the programs help to prevent defaults and are useful in assisting customers experiencing financial difficulties. We plan to continue to use payment programs and forbearance and, as a result, we expect to have additional loans classified as troubled debt restructurings in the future.

Other Income

The following table presents the components of other income (dollars in millions):

	For the Three Months Ended March 31,				2016 vs. 2015 Increase (Decrease)
	2016		2015		$			%
Discount and interchange revenue⁽¹⁾	$	273	$	268	$	5		2	%
Protection products revenue	61		71		(10		)	(14	)%
Loan fee income	80		81		(1		)	(1	)%
Transaction processing revenue	36		42		(6		)	(14	)%
Gain on investments	—		8		(8		)	(100	)%
Gain on origination and sale of mortgage loans	—		40		(40		)	(100	)%
Other income	24		32		(8		)	(25	)%
Total other income	$	474	$	542	$	(68	)	(13	)%


(1)	Net of rewards, including Cashback Bonus rewards, of $292 million and $268 million for the three months ended March 31, 2016 and 2015, respectively.

Total other income decreased in the three months ended March 31, 2016 by $68 million as compared to the same period in 2015 driven by decreases in revenue related to mortgage banking operations and protection products revenue. The decrease in revenue related to mortgage banking operations was driven by the closure of our mortgage origination business. The decrease in protection products revenue reflects the impact of our no longer selling these products and eliminating related retention efforts.

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Other Expense

The following table represents the components of other expense (dollars in millions):

	For the Three Months Ended March 31,				2016 vs. 2015 Increase (Decrease)
	2016		2015		$			%
Employee compensation and benefits	$	345	$	331	$	14		4	%
Marketing and business development	162		182		(20		)	(11	)%
Information processing and communications	88		88		—			—	%
Professional fees	160		127		33			26	%
Premises and equipment	24		24		—			—	%
Other expense	107		121		(14		)	(12	)%
Total other expense	$	886	$	873	$	13		1	%

Total other expense increased in the three months ended March 31, 2016 by $13 million as compared to the same period in 2015, despite a reduction of $37 million due to the closing of the mortgage origination business. The increase was primarily driven by higher professional fees and higher employee compensation and benefit costs partially offset by lower marketing and business development expenses and lower other expense. The increase in professional fees was driven by anti-money laundering and related compliance program expenses and the growth in employee compensation costs resulted from growth in overall headcount driven in part by regulatory and compliance needs. The decrease in marketing and business development expenses primarily resulted from timing of advertising campaigns and the decrease in other expense was due to a provision related to a regulatory matter made during the three months ended March 31, 2015.

Income Tax Expense

The following table presents the calculation of the effective income tax rate (dollars in millions, except effective income tax rate):

	For the Three Months Ended March 31,
	2016			2015
Income before income tax expense	$	914		$	908
Income tax expense	$	339		$	322
Effective income tax rate	37.1		%	35.5		%

Income tax expense and the effective tax rate increased $17 million and 1.6%, respectively, for the three months ended March 31, 2016 as compared to the same period in 2015. The 2015 period included a one-time benefit related to unrecognized tax benefits from resolving certain tax matters. For more information, see Note 9: Income Taxes to our condensed consolidated financial statements as of and for the quarter ending March 31, 2016.

Liquidity and Capital Resources

Funding and Liquidity

We seek to maintain stable, diversified and cost-effective funding sources and a strong liquidity profile in order to fund our business and repay or refinance our maturing obligations under both normal operating conditions and periods of economic or financial stress. In managing our liquidity risk, we seek to maintain an appropriate liability maturity profile and ready access to an appropriate store of contingent liquidity sources. Our primary funding sources include deposits, sourced directly from consumers or through brokers, public term asset-backed securitizations and short-term and long-term borrowings. Our contingent liquidity sources include a portion of unencumbered cash and high-quality liquid securities, private term asset-backed securitizations and access to the Federal Reserve’s discount window.

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Funding Sources

Deposits

We offer deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships (“direct-to-consumer deposits”); and (ii) indirectly through contractual arrangements with securities brokerage firms (“brokered deposits”). Direct-to-consumer deposits include certificates of deposit, money market accounts, online savings and checking accounts, and IRA certificates of deposit, while brokered deposits include certificates of deposit and sweep accounts. At March 31, 2016, we had $32.8 billion of direct-to-consumer deposits and $15.7 billion of brokered and other deposits.

Credit Card Securitization Financing

We use the securitization of credit card receivables as a source of funding. We access the asset-backed securitization market using the Discover Card Master Trust I ("DCMT") and the Discover Card Execution Note Trust ("DCENT"), through which we issue DCENT DiscoverSeries notes both publicly and through private transactions. We retain significant exposure to the performance of trust assets through holdings of the seller's interest and subordinated security classes of DCENT.

The securitization structures include certain features designed to protect investors. The primary feature relates to the availability and adequacy of cash flows in the securitized pool of receivables to meet contractual requirements, the insufficiency of which triggers early repayment of the securities. We refer to this as "economic early amortization," which is based on excess spread levels. Excess spread is the amount by which income received by a trust during a collection period, including interest collections, fees and interchange, exceeds the fees and expenses of the trust during such collection period, including interest expense, servicing fees and charged-off receivables. In the event of an economic early amortization, which would occur if the excess spread fell below 0% on a three-month rolling average basis, we would be required to repay the affected outstanding securitized borrowings using available collections received by the trust (the period of ultimate repayment would be determined by the amount and timing of collections received). An early amortization event would negatively impact our liquidity and require us to utilize our available non-securitization related contingent liquidity or rely on alternative funding sources, which may or may not be available at the time. As of March 31, 2016, the DiscoverSeries three-month rolling average excess spread was 13.55%.

At March 31, 2016, we had $15.7 billion of outstanding public asset-backed securities and $5.2 billion of outstanding subordinated asset-backed securities that had been issued to our wholly-owned subsidiaries.

The following table summarizes expected contractual maturities of the investors’ interests in credit card securitizations excluding those that have been issued to our wholly-owned subsidiaries (dollars in millions):

At March 31, 2016	Total		Less Than One Year		One Year Through Three Years		Four Years Through Five Years		After Five Years
Scheduled maturities of long-term borrowings - owed to credit card securitization investors	$	15,709	$	2,999	$	9,163	$	3,547	$	—

The triple-A rating of DCENT Class A Notes issued to date has been based, in part, on an FDIC rule which created a safe harbor that provides that the FDIC, as conservator or receiver, will not, using its power to disaffirm or repudiate contracts, seek to reclaim or recover assets transferred in connection with a securitization, or recharacterize them as assets of the insured depository institution, provided such transfer satisfies the conditions for sale accounting treatment under previous GAAP. Although the implementation of the Financial Accounting Standards Board Accounting Standards Codification Topic 860, Transfers and Servicing, no longer qualified certain transfers of assets for sale accounting treatment, the FDIC approved a final rule that preserved the safe-harbor treatment applicable to revolving trusts and master trusts, including DCMT, so long as those trusts would have satisfied the original FDIC safe harbor if evaluated under GAAP pertaining to transfers of financial assets in effect prior to December 1, 2009. Other legislative and regulatory developments may, however, impact our ability and/or desire to issue asset-backed securities in the future.

Other Long-Term Borrowings—Student Loans

At March 31, 2016, we had $1.1 billion of remaining principal balance outstanding on securitized debt assumed as part of the acquisition of Student Loan Corporation. Principal and interest payments on the underlying student loans will reduce the balance of these secured borrowings over time.

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Other Long-Term Borrowings - Corporate and Bank Debt

The following table provides a summary of Discover Financial Services (Parent Company) and Discover Bank outstanding fixed-rate debt (dollars in millions):

At March 31, 2016	Principal Amount Outstanding
Discover Financial Services (Parent Company) fixed-rate senior notes, maturing 2017-2025	$	2,300
Discover Financial Services (Parent Company) fixed-rate retail notes, maturing 2021-2028	$	79
Discover Bank fixed-rate senior bank notes, maturing 2018-2026	$	5,150
Discover Bank fixed-rate subordinated bank notes, maturing 2019-2020	$	700

Certain Discover Financial Services senior notes require us to offer to repurchase the notes at a price equal to 101% of their aggregate principal amount plus accrued and unpaid interest in the event of a change of control involving us and a corresponding ratings downgrade to below investment grade.

Short-Term Borrowings

As part of our regular funding strategy, we may from time to time borrow short-term funds in the Federal Funds market or the repurchase (“repo”) market through repurchase agreements. Federal Funds are short-term, unsecured loans between banks or other financial entities with a Federal Reserve account. Funds borrowed in the repo market are short-term, collateralized loans usually secured with highly-rated investment securities such as U.S. Treasury bills or notes, or federal agency mortgage bonds or debentures. At March 31, 2016 and December 31, 2015, there were no outstanding balances under the Federal Funds market or repurchase agreements.

Additional Funding Sources

Private Asset-Backed Securitizations

We have access to committed undrawn borrowing capacity through privately placed asset-backed securitizations. At March 31, 2016, we had total committed capacity of $6.0 billion, none of which was drawn. While we may utilize funding from these private securitizations from time to time for normal business operations, their committed nature also makes them a reliable contingency funding source. Therefore, we reserve some undrawn capacity for potential contingency funding needs, based upon our liquidity stress testing results. On March 15, 2016, we terminated $750 million of these secured credit facilities after determining through our liquidity stress testing process that we maintained appropriate levels of such facilities following the termination. We also seek to ensure the stability and reliability of these securitizations by staggering their maturity dates and renewing them approximately one year prior to their scheduled maturity dates.

Federal Reserve

Discover Bank has access to the Federal Reserve Bank of Philadelphia’s discount window. As of March 31, 2016, Discover Bank had $24.1 billion of available borrowing capacity through the discount window based on the amount and type of assets pledged. We have no borrowings outstanding under the discount window and reserve this capacity as a source of contingency funding.

Funding Uses

Our primary uses of funds include the extensions of loans and credit, primarily through Discover Bank, the purchase of investment securities for our liquidity portfolio, working capital, and debt and capital service. We assess funding uses and liquidity needs under both the normal course of business and hypothetical adverse environments, considering primary uses of funding, such as on-balance sheet loans, and contingency uses of funding, such as the need to post additional collateral for derivatives positions. In order to anticipate funding needs under adverse environments, we maintain liquidity stress scenarios that assess the impact of a range of unusual business events, such as severe economic recessions, financial market disruptions, adverse operational events and other forms of stress.

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Credit Ratings

Our borrowing costs and capacity in certain funding markets, including securitizations and unsecured senior and subordinated debt, may be affected by the credit ratings of DFS, Discover Bank and the securitization trusts. Downgrades in these credit ratings could result in higher interest expense on our unsecured debt and asset securitizations, as well as potentially higher fees related to borrowings under our lines of credit. In addition to increased funding costs, deterioration in credit ratings could reduce our borrowing capacity in the unsecured debt and asset securitization capital markets.

We also maintain agreements with certain of our derivative counterparties that contain provisions that require DFS and Discover Bank to maintain an investment grade credit rating from specified major credit rating agencies. Because the credit rating of DFS did not meet the specified thresholds, we had posted $4 million of collateral with our counterparties at March 31, 2016. Discover Bank's credit rating met specified thresholds set by its counterparties. However, if Discover Bank's credit ratings were reduced by one ratings notch, Discover Bank would be required to post additional collateral, which, as of March 31, 2016, would have been $69 million.

On April 6, 2016, Fitch Ratings affirmed its ‘BBB+’ long-term Issuer Default Ratings on DFS and Discover Bank and maintained its ‘Stable’ outlook on the ratings.

A credit rating is not a recommendation to buy, sell or hold securities, may be subject to revision or withdrawal at any time by the assigning rating organization, and each rating should be evaluated independently of any other rating. The credit ratings are summarized in the following table:

	Moody’s Investors Service	Standard & Poor’s	Fitch Ratings
Discover Financial Services
Senior unsecured debt	Ba1	BBB-	BBB+
Outlook for Discover Financial Services senior unsecured debt	Stable	Stable	Stable
Discover Bank
Senior unsecured debt	Baa3	BBB	BBB+
Outlook for Discover Bank senior unsecured debt	Stable	Stable	Stable
Subordinated debt	Ba1	BBB-	BBB
Discover Card Execution Note Trust
Class A⁽¹⁾	Aaa(sf)	AAA(sf)	AAA(sf)
Class B	N/A	N/A	N/A
Class C	N/A	N/A	N/A


(1)	An “sf” in the rating denotes rating agency identification for structured finance product ratings.

Liquidity

We seek to ensure that we have adequate liquidity to sustain business operations, fund asset growth and satisfy debt obligations under both normal and stress conditions. In addition to the funding sources discussed in the previous section, we also maintain highly liquid, unencumbered assets in our liquidity portfolio that we expect to be able to convert to cash quickly and with little loss of value using either the repo market or outright sales.

We maintain a liquidity risk and funding management policy which outlines the overall framework and general principles for managing liquidity risk across our businesses. The policy is approved by the Board of Directors with the implementation responsibilities delegated to the Asset and Liability Management Committee (the “ALCO”). We seek to balance the trade-offs between maintaining too much liquidity, which may be costly, with having too little liquidity, which could cause financial distress. Liquidity risk is centrally managed by the ALCO, which is chaired by our Treasurer and has cross-functional membership. The ALCO monitors the liquidity risk profiles of DFS and Discover Bank and oversees any actions Corporate Treasury may take to ensure that we maintain ready access to our funding sources and sufficient liquidity to meet current and projected financial obligations.

We employ a variety of metrics to monitor and manage liquidity. We utilize early warning indicators (“EWIs”) to detect the initial phases of liquidity stress events and a reporting and escalation process that is designed to be consistent with regulatory guidance. The EWIs include both idiosyncratic and systemic measures, and are monitored on a daily basis and reported to the ALCO regularly. A warning from one or more of these indicators triggers prompt review and decision-making

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by our senior management team, and in certain instances may lead to the convening of a senior-level response team and activation of our contingency funding plan.

In addition, we conduct liquidity stress testing regularly and ensure contingency funding is in place to address potential liquidity shortfalls. We evaluate a range of stress scenarios that are designed in accordance with regulatory requirements, including idiosyncratic, systemic and a combination of such events, that could impact funding sources and our ability to meet liquidity needs. These scenarios measure the projected liquidity position at DFS and Discover Bank across a range of time horizons by comparing estimated contingency funding needs to available contingent liquidity.

We maintain contingent funding sources, including our liquidity portfolio and private securitizations with unused borrowing capacity, which we could utilize to satisfy liquidity needs during normal and stress conditions. We seek to maintain sufficient liquidity to be able to satisfy all maturing obligations and fund business operations for at least 12 months in a severe stress environment. In addition, we have unused capacity with the Federal Reserve discount window which provides another source of contingent liquidity.

At March 31, 2016, our liquidity portfolio is comprised of highly liquid, unencumbered assets, including cash and cash equivalents and investment securities. Cash and cash equivalents were primarily in the form of deposits with the Federal Reserve. Investment securities primarily included debt obligations of the U.S. Treasury and U.S. government agencies, and residential mortgage-backed securities issued by U.S. government agencies. These investments are considered highly liquid, and we expect to have the ability to raise cash by selling them, utilizing repurchase agreements or pledging certain of these investments to access secured funding. The size and composition of our liquidity portfolio may fluctuate based upon the amount of expected liability maturities as well as operational requirements and market conditions.

At March 31, 2016, our liquidity portfolio and undrawn credit facilities were $44.6 billion, which was $1.9 billion higher than the balance at December 31, 2015. During the three months ended March 31, 2016, the average balance of our liquidity portfolio was $13.8 billion.



	March 31, 2016		December 31, 2015
	(dollars in millions)
Liquidity portfolio
Cash and cash equivalents⁽¹⁾	$	11,752	$	9,121
Investment securities⁽²⁾	2,804		2,956
Total liquidity portfolio	14,556		12,077
Private asset-backed securitizations⁽³⁾	6,000		6,750
Primary liquidity sources	20,556		18,827
Federal Reserve discount window⁽³⁾	24,077		23,932
Total liquidity portfolio and undrawn credit facilities	$	44,633	$	42,759


(1)	Cash-in-process is excluded from cash and cash equivalents for liquidity purposes.


(2)	Excludes $20 million and $7 million of U.S. Treasury securities that have been pledged as swap collateral in lieu of cash as of March 31, 2016 and December 31, 2015, respectively.


(3)	See "— Additional Funding Sources" for additional information.

Bank Holding Company Liquidity

The primary uses of funds at the unconsolidated DFS level include debt and capital service (interest and dividend payments and return of principal), and capital management activity, which may include the periodic repurchase of shares of our common stock. Our primary sources of funds at the bank holding company level include the proceeds from the issuance of unsecured debt and preferred stock in the capital markets, as well as dividends from our subsidiaries, particularly Discover Bank. Under periods of idiosyncratic or systemic stress, the bank holding company could lose or experience impaired access to the capital markets. In addition, our regulators have the discretion to restrict dividend payments from Discover Bank to the bank holding company.

We utilize a measure referred to as Number of Months of Pre-Funding to determine the length of time Discover Financial Services can meet upcoming funding obligations including common and preferred dividend payments and debt service obligations using existing cash resources. At March 31, 2016, Discover Financial Services had sufficient cash resources to fund the dividend and debt service payments for more than 18 months.

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We structure our debt maturity schedule to minimize the amount of debt maturing at the bank holding company level within a short period of time. As of March 31, 2016, there is no upcoming debt maturity in 2016 at the bank holding company level. Our ALCO and board of directors regularly review our compliance with our liquidity limits as a bank holding company, which are established in accordance with the liquidity risk appetite articulated by our board.

Capital

Our primary sources of capital are from the earnings generated by our businesses and common and preferred stock issuances in the capital markets. We seek to manage capital to a level and composition sufficient to support the risks of our businesses, meet regulatory requirements, meet rating agency targets and debt investor expectations and support future business growth. Within these constraints, we are focused on deploying capital in a manner that provides attractive returns to our stockholders. The level, composition and utilization of capital are influenced by changes in the economic environment, strategic initiatives, and legislative and regulatory developments.

Under regulatory capital requirements adopted by the Federal Reserve and the FDIC, Discover Financial Services, along with Discover Bank, must maintain minimum levels of capital. Failure to meet minimum capital requirements can result in the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could limit our business activities and have a direct material effect on our financial position and results. We must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items, as calculated under regulatory guidelines. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Current or future legislative or regulatory initiatives may require us to hold more capital in the future.

In 2013, the Federal Reserve, the Office of the Comptroller of the Currency and the FDIC issued the Basel III rules applicable to Discover Financial Services and Discover Bank. Under those rules, Discover Financial Services and Discover Bank are classified as "Standardized Approach" entities, defined as U.S. banking organizations with consolidated total assets over $50 billion but not exceeding $250 billion and consolidated total on-balance sheet foreign exposures less than $10 billion. Additional phase-in requirements related to components of the final capital rules will become effective through 2019. The Basel III rules include new minimum and "well-capitalized" risk-based capital and leverage ratios, effective January 1, 2015, and refine the definition of what constitutes "capital" for purposes of calculating those ratios of which certain requirements are subject to phase-in periods through the end of 2018 (the "transition period"). During the transition period, the effects of the changes to capital (i.e., certain deductions and adjustments) are recognized in 20% increments from 2015 through 2018. For example, one of the deductions from CET1 capital, goodwill and intangibles, was subject to a 40% of total deduction in 2015 that increased to 60% in 2016 and so on, until reaching 100% deduction of total in 2018. For additional information regarding the risk-based capital and leverage ratios, see Note 11: Capital Adequacy to our condensed consolidated financial statements.

The Basel III rules also introduce a new capital conservation buffer on top of the minimum risk-weighted asset ratios. The buffer is designed to absorb losses during periods of economic stress. The calculation of the buffer started to phase in beginning on January 1, 2016 at the rate of 0.625% and will increase by 0.625% on each subsequent January 1 until it reaches the maximum 2.5% on January 1, 2019. When the capital conservation buffer is fully phased-in on January 1, 2019, this will effectively result in minimum ratios of (i) CET1 to risk-weighted assets of at least 7.0%, (ii) Tier 1 capital to risk-weighted assets of at least 8.5% and (iii) Total capital to risk-weighted assets of at least 10.5%. Banking institutions with a capital conservation below the required amount will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall.

Another main component of the Basel III rules is a prescribed standardized approach for calculating risk-weighted assets that expands the risk-weight range from 0% to 100% (under Basel I) to 0% to 1,250% (under Basel III). The new range is intended to be more risk-sensitive and the risk-weight assigned depends on the nature of the asset in question.

The Basel III rules provide for a number of the deductions from and adjustments to CET1, to the extent that any one such category exceeds 10% of CET1 or all such categories in the aggregate exceed 15%.

Basel III also requires additional disclosures relating to market discipline. This series of disclosures is commonly referred to as “Pillar 3.” The objective is to increase transparency of capital requirements for banking organizations. We are required to make prescribed regulatory disclosures on a quarterly basis regarding our capital structure, capital adequacy, risk exposures and risk-weighted assets. The Pillar 3 disclosures are made publicly available, on our website, as a stand-alone report called "Basel III Regulatory Capital Disclosures."

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At March 31, 2016, Discover Financial Services and Discover Bank met the requirements for "well-capitalized" status under the prompt corrective action rules, exceeding the regulatory minimums to which they were subject under the Basel III rules.

As discussed in Note 11: Capital Adequacy to our condensed consolidated financial statements, we are subject to a CET1 capital ratio requirement under the Basel III rules. We believe that providing an estimate of capital position based on the Basel III fully phased-in rules is important to complement the existing capital ratios and for comparability to other financial institutions. In addition, we disclose tangible common equity, which represents common equity less goodwill and intangibles. Management believes that common stockholders' equity excluding goodwill and intangibles is a more meaningful measure to investors of our true net asset value. As of March 31, 2016, the CET1 capital ratio calculated under Basel III fully phased-in rules and tangible common equity are not formally defined by U.S. GAAP or codified in the federal banking regulations and, as such, they are considered to be non-GAAP financial measures. Other financial services companies may also disclose this ratio and metric and definitions may vary, so we advise users of this information to exercise caution in comparing this ratio and metric for different companies.

The following table provides a reconciliation of total common stockholders’ equity (a U.S. GAAP financial measure) to tangible common equity (dollars in millions):

	March 31, 2016			December 31, 2015
Total common stockholders’ equity	$	10,756		$	10,715
Less: Goodwill	(255		)	(255		)
Less: Intangible assets, net	(167		)	(168		)
Tangible common equity	$	10,334		$	10,292

The following table provides a reconciliation of CET1 capital calculated under Basel III transition rules (a U.S. GAAP financial measure) to CET1 capital calculated and risk-weighted assets under fully phased-in Basel III rules (dollars in millions):

	March 31, 2016
Common equity Tier 1 capital (Basel III transition)	$	10,593
Adjustments related to capital components during transition⁽¹⁾	(54		)
Common equity Tier 1 capital (Basel III fully phased-in)	$	10,539

Risk-weighted assets (Basel III fully phased-in)⁽²⁾	$	74,137
Common equity Tier 1 capital ratio (Basel III fully phased-in)	14.2		%

(1) Adjustments related to capital components for fully phased-in Basel III include the phase-in of the intangible asset exclusion.

(2) Key differences under fully phased-in Basel III rules in the calculation of risk-weighted assets include higher risk weighting for past-due loans and unfunded commitments.

Additionally, we are required to submit an annual capital plan to the Federal Reserve that includes an assessment of our expected uses and sources of capital over a nine quarter planning horizon. In January 2015, we submitted our annual capital plan to the Federal Reserve under the Federal Reserve’s Comprehensive Capital Analysis and Review, or CCAR, program, which included planned dividends and share repurchases over the nine quarter planning horizon. In March 2015, we received non-objection from the Federal Reserve with respect to our proposed capital actions through June 30, 2016. In April 2016, we submitted our 2016 CCAR plan and we are awaiting a response from the Federal Reserve on our plan. Our ability to make capital distributions, including our ability to pay dividends or repurchase shares of our common stock, will continue to be subject to the Federal Reserve’s review and non-objection of the actions that we propose each year in our annual capital plan.

Also in March 2015, the Federal Reserve published the results of its annual supervisory stress tests for bank holding companies with $50 billion or more in total consolidated assets, including Discover Financial Services. At that same time, we published company-run stress test results for Discover Financial Services and Discover Bank. Discover Financial Services is required to publish company-run stress tests results twice each year in accordance with Federal Reserve rules and Discover Bank is required to publish bank-run stress test results under FDIC rules. We published our mid-year stress test results in July 2015.

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We recently declared a quarterly cash dividend on our common stock of $0.28 per share, payable on May 19, 2016 to holders of record on May 5, 2016, which is consistent with last quarter. We also recently declared a quarterly cash dividend on our preferred stock of $16.25 per share, equal to $0.40625 per depositary share, payable on May 31, 2016, to holders of record on May 13, 2016, which was the same as the amount paid on our preferred stock in the prior quarter.

On April 16, 2015, our board of directors approved a five quarter share repurchase program authorizing the repurchase of up to $2.2 billion of our outstanding shares of common stock. The program expires on July 31, 2016 and may be terminated at any time. This program replaced the prior $3.2 billion program, which had $1.7 billion of remaining authorization. During the three months ended March 31, 2016, we repurchased approximately 8 million shares, or 2%, of our outstanding common stock for $395 million. We expect to continue to make share repurchases under our repurchase program from time to time based on market conditions and other factors, subject to legal and regulatory requirements and restrictions. Share repurchases under the program may be made through a variety of methods, including open market purchases, privately negotiated transactions or other purchases, including block trades, accelerated share repurchase transactions, or any combination of such methods.

The amount and size of any future dividends and share repurchases will depend upon our results of operations, financial condition, capital levels, cash requirements, future prospects and other factors. The declaration and payment of future dividends, as well as the amount thereof, are subject to the discretion of our board of directors. Holders of our shares of common stock are subject to the prior dividend rights of holders of our preferred stock or the depositary shares representing such preferred stock outstanding, and if full dividends have not been declared and paid on all outstanding shares of preferred stock in any dividend period, no dividend may be declared or paid or set aside for payment on our common stock. In addition, as noted above, banking laws and regulations and our banking regulators may limit our ability to pay dividends and make share repurchases, including limitations on the extent to which our banking subsidiaries can provide funds to us through dividends, loans or otherwise. Further, also noted above, current or future regulatory initiatives may require us to hold more capital in the future. There can be no assurance that we will declare and pay any dividends or repurchase any shares of our common stock in the future.

Certain Off-Balance Sheet Arrangements

Guarantees

Guarantees are contracts or indemnification agreements that contingently require us to make payments to a guaranteed party based on changes in an underlying asset, liability, or equity security of a guaranteed party, rate or index. Also included in guarantees are contracts that contingently require the guarantor to make payments to a guaranteed party based on another entity’s failure to perform under an agreement. Our guarantees relate to transactions processed on the Discover Network and certain transactions processed by PULSE and Diners Club. See Note 12: Commitments, Contingencies and Guarantees to our condensed consolidated financial statements for further discussion regarding our guarantees.

Contractual Obligations and Contingent Liabilities and Commitments

In the normal course of business, we enter into various contractual obligations that may require future cash payments. Contractual obligations at March 31, 2016, which include deposits, long-term borrowings, operating and capital lease obligations, interest payments on fixed-rate debt, purchase obligations and other liabilities were $78.4 billion. For a description of our contractual obligations, see our annual report on Form 10-K for the year ended December 31, 2015 under “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Contractual Obligations and Contingent Liabilities and Commitments.”

We extend credit for consumer loans, primarily arising from agreements with customers for unused lines of credit on certain credit cards, provided there is no violation of conditions established in the related agreement. At March 31, 2016, our unused commitments were approximately $182.8 billion. These commitments, substantially all of which we can terminate at any time and which do not necessarily represent future cash requirements, are periodically reviewed based on account usage, customer creditworthiness and loan qualification. In addition, in the ordinary course of business, we guarantee payment on behalf of subsidiaries relating to contractual obligations with external parties. The activities of the subsidiaries covered by any such guarantees are included in our condensed consolidated financial statements.

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Item 3.	Quantitative and Qualitative Disclosures About Market Risk

Market risk refers to the risk that a change in the level of one or more market prices, rates, indices, correlations or other market factors will result in losses for a position or portfolio. We are exposed to market risk primarily from changes in interest rates.

Interest Rate Risk

We borrow money from a variety of depositors and institutions in order to provide loans to our customers, as well as invest in other assets and our business. These loans and other assets earn interest, which we use to pay interest on the money borrowed. Our net interest income and, therefore, earnings, will be negatively affected if the interest rate earned on assets increases at a slower pace than increases to the interest rate we owe on our borrowings. Changes in interest rates and competitor responses to those changes may influence customer payment rates, loan balances or deposit account activity. We may face higher-cost alternative sources of funding as a result, which has the potential to decrease earnings.

Our interest rate risk management policies are designed to measure and manage the potential volatility of earnings that may arise from changes in interest rates by having a financing portfolio that reflects the mix of variable and fixed-rate assets. To the extent that asset and related financing repricing characteristics of a particular portfolio are not matched effectively, we may utilize interest rate derivative contracts, such as swap agreements, to achieve our objectives. Interest rate swap agreements effectively convert the underlying asset or liability from fixed to floating rate or from floating to fixed rate. See Note 15: Derivatives and Hedging Activities to our condensed consolidated financial statements for information on our derivatives activity.

We use an interest rate sensitivity simulation to assess our interest rate risk exposure. For purposes of presenting the possible earnings effect of a hypothetical, adverse change in interest rates over the 12-month period from our reporting date, we assume that all interest rate sensitive assets and liabilities will be impacted by a hypothetical, immediate 100 basis point increase in interest rates relative to market consensus expectations as of the beginning of the period. The sensitivity is based upon the hypothetical assumption that all relevant types of interest rates that affect our results would increase instantaneously, simultaneously and to the same degree.

Our interest rate sensitive assets include our variable rate loan receivables and the assets that make up our liquidity portfolio. We have restrictions on our ability to mitigate interest rate risk by adjusting rates on existing balances and competitive actions may restrict our ability to increase the rates that we charge to customers for new loans. At March 31, 2016, the majority of our credit card and student loans were at variable rates. Assets with rates that are fixed at period end but which will mature, or otherwise contractually reset to a market-based indexed rate or other fixed rate prior to the end of the 12-month period, are considered to be rate sensitive. The latter category includes certain revolving credit card loans that may be offered at below-market rates for an introductory period, such as balance transfers and special promotional programs, after which the loans will contractually reprice in accordance with our normal market-based pricing structure. For purposes of measuring rate sensitivity for such loans, only the effect of the hypothetical 100 basis point change in the underlying market-based indexed rate has been considered. For assets that have a fixed interest rate but which contractually will, or are assumed to, reset to a market-based indexed rate or other fixed rate during the next 12 months, earnings sensitivity is measured from the expected repricing date. In addition, for all interest rate sensitive assets, earnings sensitivity is calculated net of expected loan losses, which for purposes of this analysis are assumed to remain unchanged relative to our baseline expectations over the analysis horizon.

Interest rate sensitive liabilities are assumed to be those for which the stated interest rate is not contractually fixed for the next 12-month period. Thus, liabilities that vary with changes in a market-based index, such as Federal Funds or LIBOR, which will reset before the end of the 12-month period, or liabilities whose rates are fixed at the fiscal period end, but which will mature and are assumed to be replaced with a market-based indexed rate prior to the end of the 12-month period, also are considered to be rate sensitive. For these fixed-rate liabilities, earnings sensitivity is measured from the expected maturity date.

Assuming an immediate 100 basis point increase in the interest rates affecting all interest rate sensitive assets and liabilities at March 31, 2016, we estimate that net interest income over the following 12-month period would increase by approximately $225 million, or 3%. Assuming an immediate 100 basis point increase in the interest rates affecting all interest rate sensitive assets and liabilities at December 31, 2015, we estimated that net interest income over the following 12-month period would increase by approximately $217 million, or 3%. We have not provided an estimate of any impact on net interest income of a decrease in interest rates as many of our interest rate sensitive assets and liabilities are tied to interest rates that are already at or near their historical minimum levels (i.e., Prime and LIBOR) and, therefore, could not materially decrease

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further assuming U.S. market interest rates continue to remain above zero percent. Sustained negative interest rates for an economy the size and complexity of the United States would likely lead to broad macroeconomic impacts that are difficult to foresee. While there is a possibility that U.S market interest rates could fall below zero percent, this has not historically occurred in the United States. Net interest income sensitivity requires assumptions to be made regarding market conditions, consumer behavior, and the overall growth and composition of the balance sheet. These assumptions are inherently uncertain and, as a result, actual earnings may differ from the simulated earnings presented above. Our actual earnings are dependent on multiple factors including, but not limited to, the direction and timing of changes in interest rates the movement of short-term versus long-term rates, balance sheet design, competitor actions which may affect pricing decisions in our loans and deposits, and strategic actions undertaken by management.


Item 4.	Controls and Procedures

Evaluation of Disclosure Controls and Procedures

Under the supervision and with the participation of our management, including our Chief Executive Officer and Chief Financial Officer, we conducted an evaluation of the effectiveness of our disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”)), which are designed to ensure that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is recorded, processed, summarized and reported within the time periods specified by the SEC’s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is accumulated and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure. Based on this evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were effective as of the end of the period covered by this report.

Changes in Internal Control over Financial Reporting

There have been no changes in our internal control over financial reporting (as such term is defined in Exchange Act Rule 13a-15(f) and 15d-15(f)) that occurred during the period covered by this report that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

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Part II.	OTHER INFORMATION


Item 1.	Legal Proceedings

For a description of legal proceedings, see Note 13: Litigation and Regulatory Matters to our condensed consolidated financial statements.


Item 1A.	Risk Factors

There have been no material changes to the risk factors disclosed in our annual report on Form 10-K for the year ended December 31, 2015.


Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds

Issuer Purchases of Equity Securities

The table below sets forth information regarding purchases of our common stock related to our share repurchase program and employee transactions that were made by us or on our behalf during the most recent quarter.

Period	Total Number of Shares Purchased	Average Price Paid Per Share		Total Number of Shares Purchased as Part of Publicly Announced Plan or Program⁽¹⁾	Maximum Dollar Value of Shares that may yet be purchased under the Plans or Programs⁽¹⁾
January 1 - 31, 2016
Repurchase program⁽¹⁾	2,724,876	$	50.56	2,724,876	$	839,953,055
Employee transactions⁽²⁾	65,860	$	53.41	N/A	N/A
February 1 - 29, 2016
Repurchase program⁽¹⁾	5,673,146	$	45.32	5,673,146	$	582,828,378
Employee transactions⁽²⁾	517,830	$	46.05	N/A	N/A
March 1 - 31, 2016
Repurchase program⁽¹⁾	—	$	—	—	$	582,828,378
Employee transactions⁽²⁾	792	$	47.78	N/A	N/A

Total
Repurchase program⁽¹⁾	8,398,022	$	47.02	8,398,022	$	582,828,378
Employee transactions⁽²⁾	584,482	$	46.88	N/A	N/A


(1)	On April 16, 2015, our board of directors approved a share repurchase program authorizing the purchase of up to $2.2 billion of our outstanding shares of common stock. This share repurchase program expires on July 31, 2016 and may be terminated at any time.


(2)	Reflects shares withheld (under the terms of grants under employee stock compensation plans) to offset tax withholding obligations that occur upon the delivery of outstanding shares underlying restricted stock units or upon the exercise of stock options.


Item 3.	Defaults Upon Senior Securities

None.


Item 4.	Mine Safety Disclosures

None.


Item 5.	Other Information

None.


Item 6.	Exhibits

See "Exhibit Index" for documents filed herewith and incorporated herein by reference.

Table of Contents

Signature

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.



	Discover Financial Services (Registrant)

	By:		/s/ R. MARK GRAF
			R. Mark Graf Executive Vice President and Chief Financial Officer

Date: April 28, 2016

Table of Contents

Exhibit Index



Exhibit Number		Description



12.1		Statement regarding computation of ratio of earnings to fixed charges and computation of ratio of earnings to fixed charges and preferred stock dividends.

31.1		Certification of Chief Executive Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.

31.2		Certification of Chief Financial Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.

32.1		Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 1350 of Chapter 63 of Title 18 of the United States Code.

101.INS		XBRL Instance Document.

101.SCH		XBRL Taxonomy Extension Schema Document.

101.CAL		XBRL Taxonomy Extension Calculation Linkbase Document.

101.DEF		XBRL Taxonomy Extension Definition Linkbase Document.

101.LAB		XBRL Taxonomy Extension Label Linkbase Document.

101.PRE		XBRL Taxonomy Extension Presentation Linkbase Document.

Exhibit

Exhibit 12.1

DISCOVER FINANCIAL SERVICES

COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES AND COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDENDS

(dollars in millions)



	For the Three Months Ended March 31,				For the Calendar Years Ended December 31,						For the Fiscal Years Ended November 30,				For the One Month Ended December 31, 2012
	2016		2015		2015		2014		2013		2012		2011		For the One Month Ended December 31, 2012
Earnings:
Income before income tax expense	$	914	$	908	$	3,612	$	3,694	$	3,944	$	3,753	$	3,511	$	274
Losses from unconsolidated investees	13		13		50		29		18		12		5		1
Total earnings	$	927	$	921	$	3,662	$	3,723	$	3,962	$	3,765	$	3,516	$	275
Fixed charges:⁽¹⁾
Total interest expense	$	334	$	300	$	1,263	$	1,134	$	1,146	$	1,331	$	1,485	$	103
Interest factor in rents	1		1		6		5		5		6		5		1
Total fixed charges	$	335	$	301	$	1,269	$	1,139	$	1,151	$	1,337	$	1,490	$	104
Combined fixed charges and preferred stock dividends:⁽¹⁾
Total interest expense	$	334	$	300	$	1,263	$	1,134	$	1,146	$	1,331	$	1,485	$	103
Interest factor in rents	1		1		6		5		5		6		5		1
Preferred stock dividends	15		14		59		60		60		—		—		—
Total combined fixed charges and preferred stock dividends	$	350	$	315	$	1,328	$	1,199	$	1,211	$	1,337	$	1,490	$	104
Earnings before income tax expense and fixed charges	$	1,263	$	1,222	$	4,931	$	4,862	$	5,113	$	5,102	$	5,006	$	379
Earnings before income tax expense and combined fixed charges and preferred stock dividends	$	1,277	$	1,236	$	4,990	$	4,922	$	5,173	$	5,102	$	5,006	$	379

Ratio of earnings to fixed charges	3.8		4.1		3.9		4.3		4.4		3.8		3.4		3.6
Ratio of earnings to combined fixed charges and preferred stock dividends	3.6		3.9		3.8		4.1		4.3		3.8		3.4		3.6

(1)

Fixed charges are the sum of interest expense, amortized premiums, discounts and capitalized expenses related to indebtedness and an estimate of interest within rental expense. Combined fixed charges and preferred stock requirements are the sum of interest expense, amortized premiums, discounts and capitalized expenses related to indebtedness, an estimate of interest within rental expense and preference security dividend requirements.

Exhibit

Exhibit 31.1

CERTIFICATION

I, David W. Nelms, certify that:


1.	I have reviewed this Quarterly Report on Form 10-Q of Discover Financial Services (the “registrant”);


2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;


3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;


4.	The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:


a)	Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;


b)	Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;


c)	Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and


d)	Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and


5.	The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):


a)	All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and


b)	Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date: April 28, 2016



/s/ DAVID W. NELMS
David W. Nelms
Chairman of the Board and Chief Executive Officer

Exhibit

Exhibit 31.2

CERTIFICATION

I, R. Mark Graf, certify that:


1.	I have reviewed this Quarterly Report on Form 10-Q of Discover Financial Services (the “registrant”);


2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;


3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;


4.	The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:


a)	Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;


b)	Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;


c)	Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and


d)	Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and


5.	The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):


a)	All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and


b)	Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date: April 28, 2016



/s/ R. MARK GRAF
R. Mark Graf
Executive Vice President and Chief Financial Officer

Exhibit

Exhibit 32.1

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Discover Financial Services (the “Company”) on Form 10-Q for the period ended March 31, 2016, as filed with the Securities and Exchange Commission (the “Report”), each of David W. Nelms, Chairman of the Board and Chief Executive Officer of the Company, and R. Mark Graf, Executive Vice President and Chief Financial Officer of the Company, certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:


1.	The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and


2.	The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: April 28, 2016



/s/ DAVID W. NELMS
David W. Nelms
Chairman of the Board and Chief Executive Officer

Date: April 28, 2016



/s/ R. MARK GRAF
R. Mark Graf
Executive Vice President and Chief Financial Officer

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Attachment: XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT

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Attachment: XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT

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Attachment: XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT

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Attachment: XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT

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Attachment: XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2016	Apr. 22, 2016
Document Information [Line Items]
Document type	10-Q
Amendment flag	false
Document period end date	Mar. 31, 2016
Document fiscal year focus	2016
Document fiscal period focus	Q1
Entity registrant name	Discover Financial Services
Entity central index key	0001393612
Current fiscal year end date	--12-31
Entity filer category	Large Accelerated Filer
Entity common stock, shares outstanding		412,225,311

Condensed Consolidated Statements of Financial Condition - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Assets

Cash and cash equivalents

$ 12,135

$ 9,572

Restricted cash

1,010

Investment securities (includes $2,824 and $2,963 at fair value at March 31, 2016 and December 31, 2015, respectively)

2,956

3,084

Loan receivables

Loan receivables

70,320

72,385

Allowance for loan losses

(1,921)

(1,869)

Net loan receivables

68,399

70,516

Premises and equipment, net

706

693

Goodwill

255

Intangible assets, net

167

168

Other assets

2,465

2,412

Total assets

88,093

86,799

Deposits

Interest-bearing deposit accounts

48,055

47,094

Non-interest bearing deposit accounts

410

437

Total deposits

48,465

47,531

Long-term borrowings

24,752

24,650

^[1]

Accrued expenses and other liabilities

3,560

3,343

Total liabilities

$ 76,777

$ 75,524

Commitments, contingencies and guarantees (Notes 9, 12 and 13)

Stockholders’ Equity:

Common stock, par value $0.01 per share; 2,000,000,000 shares authorized; 562,210,058 and 560,679,352 shares issued at March 31, 2016 and December 31, 2015, respectively

$ 5

Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 575,000 shares issued and outstanding and aggregate liquidation preference of $575 at March 31, 2016 and December 31, 2015

560

Additional paid-in capital

3,913

3,885

Retained earnings

13,698

13,250

Accumulated other comprehensive loss

(172)

(160)

Treasury stock, at cost; 147,983,359 and 139,000,423 shares at March 31, 2016 and December 31, 2015, respectively

(6,688)

(6,265)

Total stockholders’ equity

11,316

11,275

Total liabilities and stockholders’ equity

88,093

86,799

Variable Interest Entity, Primary Beneficiary [Member]

Assets

Restricted cash

1,010

Loan receivables

Loan receivables

28,761

30,551

Allowance for loan losses

(811)

Other assets

Deposits

Long-term borrowings

16,779

16,735

^[1]

Accrued expenses and other liabilities

$ 13

$ 12

[1]

Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($)

Mar. 31, 2016

Dec. 31, 2015

Statement of Financial Position [Abstract]

Amount of total investment securities at fair value (in dollars)

^[1]

$ 2,824,000,000

$ 2,963,000,000

Common stock, par value per share (in dollars per share)

$ 0.01

Common stock, shares authorized

2,000,000,000

Common stock, shares issued

562,210,058

560,679,352

Preferred stock, par or stated value per share (in dollars per share)

$ 0.01

Preferred stock, shares authorized

200,000,000

Preferred stock, shares issued

575,000

Preferred stock, shares outstanding

575,000

Preferred stock, liquidation preference (in dollars)

$ 575,000,000

Treasury stock, shares

147,983,359

139,000,423

[1]	Available-for-sale investment securities are reported at fair value.

Condensed Consolidated Statements of Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest income
Credit card loans	$ 1,733	$ 1,606
Other loans	326	304
Investment securities	11	13
Other interest income	14	6
Total interest income	2,084	1,929
Interest expense
Deposits	162	152
Short-term borrowings	0	1
Long-term borrowings	172	147
Total interest expense	334	300
Net interest income	1,750	1,629
Provision for loan losses	424	390
Net interest income after provision for loan losses	1,326	1,239
Other income
Discount and interchange revenue, net	273	268
Protection products revenue	61	71
Loan fee income	80	81
Transaction processing revenue	36	42
Gain on investments	0	8
Gain on origination and sale of mortgage loans	0	40
Other income	24	32
Total other income	474	542
Other expense
Employee compensation and benefits	345	331
Marketing and business development	162	182
Information processing and communications	88	88
Professional fees	160	127
Premises and equipment	24	24
Other expense	107	121
Total other expense	886	873
Income before income tax expense	914	908
Income tax expense	339	322
Net income	575	586
Net income allocated to common stockholders	$ 562	$ 573
Basic earnings per common share (in dollars per share)	$ 1.35	$ 1.28
Diluted earnings per common share (in dollars per share)	1.35	1.28
Dividends declared per common share (in dollars per share)	$ 0.28	$ 0.24

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Net income	$ 575	$ 586
Other comprehensive income (loss), net of taxes
Unrealized gain on available-for-sale investment securities, net of tax	14	0
Unrealized loss on cash flow hedges, net of tax	(26)	(23)
Other comprehensive loss	(12)	(23)
Comprehensive income	$ 563	$ 563

Condensed Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Millions	Total	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]
Preferred stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2014		575,000
Stockholders' equity, balance at beginning of period at Dec. 31, 2014	$ 11,134	$ 560	$ 5	$ 3,790	$ 11,467	$ (138)	$ (4,550)
Common stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2014			558,194,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	586				586
Other comprehensive loss	(23)					(23)
Purchases of treasury stock	(420)						(420)
Common stock issued under employee benefit plans (in shares)			18,000
Common stock issued under employee benefit plans	1		$ 0	1
Common stock issued and stock-based compensation expense (in shares)			2,330,000
Common stock issued and stock-based compensation expense	50		$ 0	50
Dividends — common stock	(108)				(108)
Dividends — preferred stock	(9)				(9)
Preferred stock, shares outstanding, balance at end of period (in shares) at Mar. 31, 2015		575,000
Stockholders' equity, balance at end of period at Mar. 31, 2015	$ 11,211	$ 560	$ 5	3,841	11,936	(161)	(4,970)
Common stock, shares outstanding, balance at end of period (in shares) at Mar. 31, 2015			560,542,000
Preferred stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2015	575,000	575,000
Stockholders' equity, balance at beginning of period at Dec. 31, 2015	$ 11,275	$ 560	$ 5	3,885	13,250	(160)	(6,265)
Common stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2015			560,679,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	575				575
Other comprehensive loss	(12)					(12)
Purchases of treasury stock	(423)						(423)
Common stock issued under employee benefit plans (in shares)			21,000
Common stock issued under employee benefit plans	1		$ 0	1
Common stock issued and stock-based compensation expense (in shares)			1,510,000
Common stock issued and stock-based compensation expense	27		$ 0	27
Dividends — common stock	(118)				(118)
Dividends — preferred stock	$ (9)				(9)
Preferred stock, shares outstanding, balance at end of period (in shares) at Mar. 31, 2016	575,000	575,000
Stockholders' equity, balance at end of period at Mar. 31, 2016	$ 11,316	$ 560	$ 5	$ 3,913	$ 13,698	$ (172)	$ (6,688)
Common stock, shares outstanding, balance at end of period (in shares) at Mar. 31, 2016			562,210,000

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash flows from operating activities
Net income	$ 575	$ 586
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	424	390
Depreciation and amortization	84	95
Amortization of deferred revenues and accretion of accretable yield on acquired loans	(98)	(113)
Net loss (gain) on origination and sale of loans, investments and other assets	13	(36)
Proceeds from sale of mortgage loans originated for sale	0	1,083
Net principal disbursed on mortgage loans originated for sale	0	(1,110)
Other, net	4	(8)
Changes in assets and liabilities:
Increase in other assets	(33)	(40)
Increase in accrued expenses and other liabilities	189	216
Net cash provided by operating activities	1,158	1,063
Cash flows from investing activities
Maturities and sales of available-for-sale investment securities	158	1,188
Maturities of held-to-maturity investment securities	5	2
Purchases of held-to-maturity investment securities	(16)	(17)
Net principal repaid on loans originated for investment	1,793	2,129
Purchases of other investments	(1)	(5)
Increase in restricted cash	(911)	(3)
Purchases of premises and equipment	(46)	(41)
Net cash provided by investing activities	982	3,253
Cash flows from financing activities
Net increase in short-term borrowings	0	53
Proceeds from issuance of securitized debt	991	950
Maturities and repayment of securitized debt	(980)	(1,083)
Proceeds from issuance of other long-term borrowings	38	499
Proceeds from issuance of common stock	1	1
Purchases of treasury stock	(423)	(420)
Net increase in deposits	925	333
Dividends paid on common and preferred stock	(129)	(119)
Net cash provided by financing activities	423	214
Net increase in cash and cash equivalents	2,563	4,530
Cash and cash equivalents, at beginning of period	9,572	7,284
Cash and cash equivalents, at end of period	$ 12,135	$ 11,814

Background and Basis of Presentation	3 Months Ended
Background and Basis of Presentation	Mar. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Background and Basis of Presentation	Background and Basis of Presentation Description of Business Discover Financial Services (“DFS” or the “Company”) is a direct banking and payment services company. The Company is a bank holding company under the Bank Holding Company Act of 1956 as well as a financial holding company under the Gramm-Leach-Bliley Act and therefore is subject to oversight, regulation and examination by the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Company provides direct banking products and services and payment services through its subsidiaries. The Company offers its customers credit card loans, private student loans, personal loans, home equity loans and deposit products. The Company also operates the Discover Network, the PULSE network (“PULSE”) and Diners Club International (“Diners Club”). The Discover Network processes transactions for Discover-branded credit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally, as well as point-of-sale terminals at retail locations throughout the U.S. for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded charge cards and/or provide card acceptance services. The Company’s business segments are Direct Banking and Payment Services. The Direct Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home equity loans, and other consumer lending and deposit products. The majority of Direct Banking revenues relate to interest income earned on the segment's loan products. Additionally, the Company's credit card products generate substantially all revenues related to discount and interchange, protection products and loan fee income. The Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and the Company’s Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue (included in other income) from Diners Club. Basis of Presentation The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments which are necessary for a fair presentation of the results for the interim period. All such adjustments are of a normal, recurring nature. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates. These interim condensed consolidated financial statements should be read in conjunction with the Company’s 2015 audited consolidated financial statements filed with the Company’s annual report on Form 10-K for the year ended December 31, 2015. Change in Accounting Principle In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-03, Interest—-Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which makes the presentation of debt issuance costs consistent with that of debt discounts and premiums. This ASU requires that debt issuance costs related to a recognized liability be presented in the balance sheet as a direct deduction from the carrying amount of that liability. Before becoming effective for the Company on January 1, 2016, these costs were recorded as deferred charges presented in other assets on the consolidated statements of financial condition. The guidance requires retrospective application in the financial statements. As such, some balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of a related liability. The impact of adopting this ASU was a reduction of other assets of $137 million, a reduction of long-term borrowings of $74 million and a reduction of deposits of $63 million at December 31, 2015. There was no impact to the consolidated statements of income. Recently Issued Accounting Pronouncements In March 2016, the FASB issued ASU No. 2016-09, Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting. This ASU requires excess tax benefits and tax deficiencies, which arise due to differences between the measure of compensation expense and the amount deductible for tax purposes, to be recorded directly through the income statement as a component of income tax expense. Under current GAAP, these differences are generally recorded in additional paid-in capital and thus have no impact on net income today. The change in treatment of excess tax benefits and tax deficiencies will also impact the computation of diluted earnings per share, and the cash flows associated with those items will be classified as operating activities on the statement of cash flows. The ASU will permit certain elective changes associated with stock compensation accounting. For example, companies can elect to account for forfeitures of awards as they occur rather than projecting forfeitures in the accrual of compensation expense. In addition, the ASU increases the proportion of shares an employer is permitted (though not required) to withhold on behalf of an employee to satisfy the employee’s income tax burden on a share-based award without causing the award to become subject to liability accounting. This ASU will become effective for the Company on January 1, 2017 and management is in the process of evaluating its impact. Upon adoption, the cumulative amounts associated with previous excess tax benefits will be reclassified from additional paid-in capital to retained earnings. In March 2016, the FASB issued ASU No. 2016-08, Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net). The guidance in this ASU provides clarification on the principal versus agent concept in relation to revenue recognition guidance issued as part of ASU 2014-09, Revenue from Contracts with Customers (Topic 606). Topic 606 requires a company to determine whether it is a principal or an agent in a transaction in which another party is involved in providing goods or services to a customer by evaluating the nature of its promise to the customer. ASU 2016-08 provides clarification for identifying the good, service or right being transferred in a revenue transaction and identifies the principal as the party that controls the good, service or right prior to its transfer to the customer. The ASU provides further clarity on how to evaluate control in this context. This guidance will become effective for the Company on January 1, 2018 and management is evaluating the impact of these changes as part of its overall evaluation of ASU 2014-09. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). The guidance will require lessees to capitalize most leases on their balance sheet whereas under current GAAP only capital leases are recognized on the lessee’s balance sheet. Leases which today are identified as capital leases will generally be identified as financing leases under the new guidance but otherwise their accounting treatment will remain relatively unchanged. Leases identified today as operating leases will generally remain in that category under the new standard, but both a right-of-use asset and a liability for remaining lease payments will now be required to be recognized on the balance sheet for this type of lease. The manner in which expenses associated with all leases are reported on the income statement will remain mostly unchanged. Lessor accounting also remains substantially unchanged by the new standard. The new guidance will become effective for the Company on January 1, 2019 and management is in the process of evaluating its impact. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. The ASU will have limited impact on the Company since it does not change the guidance for classifying and measuring investments in debt securities or loans. The standard requires entities to measure certain cost-method equity investments at fair value with changes in value recognized in net income. Equity investments that do not have readily determinable fair values will be carried at cost, less any impairment, plus or minus changes resulting from any observable price changes in orderly transactions for an identical or similar investment of the same issuer. This ASU requires public entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans) on the balance sheet or the accompanying notes to the financial statements. This ASU will become effective for the Company on January 1, 2018 and is not expected to have a material impact to the financial statements. In April 2015, the FASB issued ASU No. 2015-05, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement. This ASU addresses whether a cloud computing arrangement contains a software license. Under this ASU a cloud computing arrangement contains a software license if the customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty and provided it is feasible for the customer to either host the software internally or with an external party unrelated to the original vendor. Upon meeting both of these criteria, a customer should account for the software license within a cloud computing arrangement in a manner consistent with the acquisition of other software licenses. This could potentially change the timing of expense recognition associated with the contract. If a cloud computing arrangement does not meet both criteria, a customer will account for the arrangement entirely as a service contract. This ASU became effective for the Company on January 1, 2016. Management determined there were no existing contractual arrangements impacted by this ASU. The new guidance will be applied to any new contractual arrangements that meet the criteria discussed above. In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis. The guidance in this ASU was issued to improve targeted areas of the accounting rules for consolidation. This ASU changes the analysis companies will use to determine if certain types of legal entities should be consolidated. In addition, it modifies the determination of whether a limited liability entity should be evaluated as a variable interest entity ("VIE") or a voting interest entity and eliminates the presumption that a general partner should consolidate a limited partnership. The new amendment became effective for the Company on January 1, 2016. The amendments primarily triggered a review of the Company’s tax credit investments, which typically utilize limited liability entities. As a result of that review, management determined that its prior conclusions associated with the Company's tax credit investments continue to be appropriate. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606). The guidance in this ASU supersedes existing revenue recognition requirements in Topic 605, Revenue Recognition, including an assortment of transaction-specific and industry-specific rules. This ASU establishes a principles-based model under which revenue from a contract is allocated to the distinct performance obligations within the contract and recognized in income as each performance obligation is satisfied. ASU Topic 606 does not apply to rights or obligations associated with financial instruments (for example, interest income from loans or investments, or interest expense on debt), and therefore the Company’s net interest income should not be affected. The Company’s revenue from discount and interchange, protection products, transaction processing and certain fees are within the scope of these rules. Throughout 2015, management followed the discussions of the FASB and its Transition Resource Group pertaining to credit card arrangements, loyalty programs, and transaction processing arrangements, and how the new revenue recognition rules should be interpreted for each. Based on those discussions, management is considering the comments made as part of those discussions in its ongoing evaluation of the new standard. Management expects to complete its evaluation of the impact of this amendment in 2016. The new revenue recognition model will become effective for the Company on January 1, 2018. Upon adoption in 2018, as appropriate, the Company will record an adjustment to retained earnings as of the beginning of the year of initial application, which can be either the earliest comparative period presented, with all periods presented under the new rules, or January 1, 2018, without restating prior periods presented. Management has not yet determined which transition reporting option it will apply.

Business Dispositions	3 Months Ended
Business Dispositions	Mar. 31, 2016
Discontinued Operations and Disposal Groups [Abstract]
Business Dispositions	Business Dispositions On June 16, 2015, the Company announced the closing of the mortgage origination business it acquired in 2012, which was part of its Direct Banking segment. The disposition represented the exiting of an ancillary business and did not have a major impact on the Company’s operations.

Investments

3 Months Ended

Mar. 31, 2016

Investments, Debt and Equity Securities [Abstract]

Investments

The Company’s investment securities consist of the following (dollars in millions):

	March 31, 2016		December 31, 2015
U.S. Treasury securities⁽¹⁾	$	1,181	$	1,273
U.S. government agency securities	492		494
States and political subdivisions of states	5		7
Residential mortgage-backed securities - Agency⁽²⁾	1,278		1,310
Total investment securities	$	2,956	$	3,084


(1)	Includes $20 million and $7 million of U.S. Treasury securities pledged as swap collateral in lieu of cash as of March 31, 2016 and December 31, 2015, respectively.


(2)	Consists of residential mortgage-backed securities issued by Fannie Mae, Freddie Mac and Ginnie Mae.

The amortized cost, gross unrealized gains and losses, and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
At March 31, 2016
Available-for-Sale Investment Securities⁽¹⁾
U.S. Treasury securities	$	1,177	$	3	$	—		$	1,180
U.S. government agency securities	491		1		—			492
Residential mortgage-backed securities - Agency	1,134		18		—			1,152
Total available-for-sale investment securities	$	2,802	$	22	$	—		$	2,824
Held-to-Maturity Investment Securities⁽²⁾
U.S. Treasury securities⁽³⁾	$	1	$	—	$	—		$	1
States and political subdivisions of states	5		—		—			5
Residential mortgage-backed securities - Agency⁽⁴⁾	126		3		—			129
Total held-to-maturity investment securities	$	132	$	3	$	—		$	135

At December 31, 2015
Available-for-Sale Investment Securities⁽¹⁾
U.S. Treasury securities	$	1,277	$	1	$	(6	)	$	1,272
U.S. government agency securities	492		2		—			494
Residential mortgage-backed securities - Agency	1,195		6		(4		)	1,197
Total available-for-sale investment securities	$	2,964	$	9	$	(10	)	$	2,963
Held-to-Maturity Investment Securities⁽²⁾
U.S. Treasury securities⁽³⁾	$	1	$	—	$	—		$	1
States and political subdivisions of states	7		—		—			7
Residential mortgage-backed securities - Agency⁽⁴⁾	113		1		—			114
Total held-to-maturity investment securities	$	121	$	1	$	—		$	122


(1)	Available-for-sale investment securities are reported at fair value.


(2)	Held-to-maturity investment securities are reported at amortized cost.


(3)	Amount represents securities pledged as collateral to a government-related merchant for which transaction settlement occurs beyond the normal 24-hour period.


(4)	Amounts represent residential mortgage-backed securities that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.

The following table provides information about investment securities with aggregate gross unrealized losses and the length of time that individual investment securities have been in a continuous unrealized loss position (dollars in millions):

	Number of Securities in a Loss Position	Less than 12 months					More than 12 months
	Number of Securities in a Loss Position	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
At December 31, 2015
Available-for-Sale Investment Securities
U.S. Treasury securities	1	$	670	$	(6	)	$	—	$	—
Residential mortgage-backed securities - Agency	15	$	486	$	(4	)	$	—	$	—

Aggregate gross unrealized losses were not material as of March 31, 2016. There were no losses related to other-than-temporary impairments during the three months ended March 31, 2016 and 2015.

The following table provides information about proceeds from sales, recognized gains and losses and net unrealized gains and losses on available-for-sale securities (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Proceeds from the sales of available-for-sale investment securities	$	—	$	899
Gain on sales of available-for-sale investment securities	$	—	$	8
Net unrealized gain recorded in other comprehensive income, before-tax	$	23	$	—
Net unrealized gain recorded in other comprehensive income, after-tax	$	14	$	—

Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the table below (dollars in millions):

	One Year or Less		After One Year Through Five Years		After Five Years Through Ten Years		After Ten Years		Total
At March 31, 2016
Available-for-Sale Investment Securities—Amortized Cost
U.S. Treasury securities	$	500	$	677	$	—	$	—	$	1,177
U.S. government agency securities	491		—		—		—		491
Residential mortgage-backed securities - Agency	—		—		359		775		1,134
Total available-for-sale investment securities	$	991	$	677	$	359	$	775	$	2,802
Held-to-Maturity Investment Securities—Amortized Cost
U.S. Treasury securities	$	1	$	—	$	—	$	—	$	1
State and political subdivisions of states	—		—		—		5		5
Residential mortgage-backed securities - Agency	—		—		—		126		126
Total held-to-maturity investment securities	$	1	$	—	$	—	$	131	$	132
Available-for-Sale Investment Securities—Fair Values
U.S. Treasury securities	$	501	$	679	$	—	$	—	$	1,180
U.S. government agency securities	492		—		—		—		492
Residential mortgage-backed securities - Agency	—		—		363		789		1,152
Total available-for-sale investment securities	$	993	$	679	$	363	$	789	$	2,824
Held-to-Maturity Investment Securities—Fair Values
U.S. Treasury securities	$	1	$	—	$	—	$	—	$	1
State and political subdivisions of states	—		—		—		5		5
Residential mortgage-backed securities - Agency	—		—		—		129		129
Total held-to-maturity investment securities	$	1	$	—	$	—	$	134	$	135

Other Investments

Loan Receivables

3 Months Ended

Mar. 31, 2016

Loans and Leases Receivable Disclosure [Abstract]

Loan Receivables

The Company has three loan portfolio segments: credit card loans, other loans and purchased credit-impaired ("PCI") loans.

The Company's classes of receivables within the three portfolio segments are depicted in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Loan receivables
Credit card loans⁽¹⁾	$	55,620		$	57,896
Other loans
Personal loans	5,534			5,490
Private student loans	5,949			5,647
Other	252			236
Total other loans	11,735			11,373
Purchased credit-impaired loans⁽²⁾	2,965			3,116
Total loan receivables	70,320			72,385
Allowance for loan losses	(1,921		)	(1,869		)
Net loan receivables	$	68,399		$	70,516


(1)	Amounts include $20.9 billion and $21.6 billion underlying investors’ interest in trust debt at March 31, 2016 and December 31, 2015 and $6.2 billion and $7.2 billion in seller's interest at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities for further information.


(2)	Amounts include $1.6 billion and $1.7 billion of loans pledged as collateral against the notes issued from the Student Loan Corporation ("SLC") securitization trusts at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities.

Credit Quality Indicators

The Company regularly reviews its collection experience (including delinquencies and net charge-offs) in determining its allowance for loan losses.

Information related to the delinquent and non-accruing loans in the Company’s loan portfolio is shown below by each class of loan receivables except for PCI student loans, which is shown under the heading “— Purchased Credit-Impaired Loans” (dollars in millions):

	30-89 Days Delinquent		90 or More Days Delinquent		Total Past Due		90 or More Days Delinquent and Accruing		Total Non-accruing⁽¹⁾
At March 31, 2016
Credit card loans⁽²⁾	$	454	$	480	$	934	$	427	$	190
Other loans
Personal loans⁽³⁾	40		14		54		13		6
Private student loans (excluding PCI)⁽⁴⁾	78		36		114		36		—
Other	2		1		3		—		20
Total other loans (excluding PCI)	120		51		171		49		26
Total loan receivables (excluding PCI)	$	574	$	531	$	1,105	$	476	$	216

At December 31, 2015
Credit card loans⁽²⁾	$	505	$	490	$	995	$	422	$	198
Other loans
Personal loans⁽³⁾	34		15		49		13		6
Private student loans (excluding PCI)⁽⁴⁾	84		24		108		25		—
Other	—		1		1		—		20
Total other loans (excluding PCI)	118		40		158		38		26
Total loan receivables (excluding PCI)	$	623	$	530	$	1,153	$	460	$	224

(1)


(2)	Credit card loans that are 90 or more days delinquent and accruing interest include $44 million and $42 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015, respectively.


(3)	Personal loans that are 90 or more days delinquent and accruing interest include $4 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.


(4)	Private student loans that are 90 or more days delinquent and accruing interest include $3 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.

Information related to the net charge-offs in the Company's loan portfolio is shown below by each class of loan receivables except for PCI student loans, which is shown under the heading "— Purchased Credit-Impaired Loans" (dollars in millions):

	For the Three Months Ended March 31,
	2016				2015
	Net Charge-offs		Net Charge-off Rate		Net Charge-offs		Net Charge-off Rate
Credit card loans	$	326	2.34	%	$	319	2.40	%
Other loans
Personal loans	34		2.45	%	28		2.22	%
Private student loans (excluding PCI)	12		0.85	%	13		1.03	%
Total other loans (excluding PCI)	46		1.59	%	41		1.58	%
Net charge-offs as a percentage of total loans (excluding PCI)	$	372	2.21	%	$	360	2.26	%
Net charge-offs as a percentage of total loans (including PCI)	$	372	2.11	%	$	360	2.14	%

The following table provides the most recent FICO scores available for the Company’s customers as a percentage of each class of loan receivables:

	Credit Risk Profile by FICO Score
	660 and Above		Less than 660 or No Score
At March 31, 2016
Credit card loans	82	%	18	%
Personal loans	96	%	4	%
Private student loans (excluding PCI)⁽¹⁾	96	%	4	%

At December 31, 2015
Credit card loans	83	%	17	%
Personal loans	96	%	4	%
Private student loans (excluding PCI)⁽¹⁾	96	%	4	%


(1)	PCI loans are discussed under the heading "— Purchased Credit-Impaired Loans."

Allowance for Loan Losses

The following tables provide changes in the Company’s allowance for loan losses (dollars in millions):

	For the Three Months Ended March 31, 2016
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,554		$	155		$	143		$	17	$	1,869
Additions
Provision for loan losses	362			44			17			1		424
Deductions
Charge-offs	(439		)	(39		)	(15		)	—		(493		)
Recoveries	113			5			3			—		121
Net charge-offs	(326		)	(34		)	(12		)	—		(372		)
Balance at end of period	$	1,590		$	165		$	148		$	18	$	1,921

	For the Three Months Ended March 31, 2015
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,474		$	120		$	135		$	17	$	1,746
Additions
Provision for loan losses	337			31			20			2		390
Deductions
Charge-offs	(428		)	(31		)	(15		)	—		(474		)
Recoveries	109			3			2			—		114
Net charge-offs	(319		)	(28		)	(13		)	—		(360		)
Balance at end of period	$	1,492		$	123		$	142		$	19	$	1,776


(1)	Includes both PCI and non-PCI private student loans.

Net charge-offs of principal are recorded against the allowance for loan losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Interest and fees accrued subsequently charged off, net of recoveries (recorded as a reduction of interest income)	$	69	$	75
Fees accrued subsequently charged off, net of recoveries (recorded as a reduction to other income)	$	17	$	20

The following tables provide additional detail of the Company’s allowance for loan losses and recorded investment in its loan portfolio by impairment methodology (dollars in millions):

	Credit Card		Personal Loans		Student Loans⁽³⁾		Other Loans⁽⁴⁾		Total
At March 31, 2016
Allowance for loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	1,430	$	149	$	96	$	1	$	1,676
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	160		16		16		17		209
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		36		—		36
Total allowance for loan losses	$	1,590	$	165	$	148	$	18	$	1,921
Recorded investment in loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	54,600	$	5,464	$	5,896	$	194	$	66,154
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	1,020		70		53		58		1,201
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		2,965		—		2,965
Total recorded investment	$	55,620	$	5,534	$	8,914	$	252	$	70,320

At December 31, 2015
Allowance for loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	1,394	$	140	$	92	$	1	$	1,627
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	160		15		15		16		206
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		36		—		36
Total allowance for loan losses	$	1,554	$	155	$	143	$	17	$	1,869
Recorded investment in loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	56,877	$	5,422	$	5,599	$	179	$	68,077
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	1,019		68		48		57		1,192
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		3,116		—		3,116
Total recorded investment	$	57,896	$	5,490	$	8,763	$	236	$	72,385

(1)

(2)


(3)	Includes both PCI and non-PCI private student loans.


(4)	Certain other loans, including non-performing Diners Club licensee loans, are individually evaluated for impairment.

Troubled Debt Restructurings

For credit card customers, the temporary hardship program primarily consists of a reduced minimum payment and an interest rate reduction, both lasting for a period no longer than 12 months. The permanent workout program involves changing the structure of the loan to a fixed payment loan with a maturity no longer than 60 months and reducing the interest rate on the loan. The permanent modification program does not normally provide for the forgiveness of unpaid principal, but may allow for the reversal of certain unpaid interest or fee assessments. The Company also makes loan modifications for customers who request financial assistance through external sources, such as a consumer credit counseling agency program (referred to here as external programs). These loans typically receive a reduced interest rate but continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees.

Additional information about modified loans classified as troubled debt restructurings is shown below (dollars in millions):

	Average recorded investment in loans		Interest income recognized during period loans were impaired⁽¹⁾		Gross interest income that would have been recorded with original terms⁽²⁾
For the Three Months Ended March 31, 2016
Credit card loans
Modified credit card loans⁽³⁾	$	274	$	12	$	1
Internal programs	$	464	$	3	$	16
External programs	$	283	$	5	$	3
Personal loans	$	69	$	2	$	1
Private student loans	$	50	$	1	N/A

For the Three Months Ended March 31, 2015
Credit card loans
Modified credit card loans⁽³⁾	$	255	$	11	$	1
Internal programs	$	452	$	3	$	15
External programs	$	323	$	6	$	3
Personal loans	$	57	$	2	$	1
Private student loans	$	40	$	1	N/A


(1)	The Company does not separately track interest income on loans in modification programs. Amounts shown are estimated by applying an average interest rate to the average loans in the various modification programs.

(2)


(3)	This balance is considered impaired, but is excluded from the internal and external program amounts reflected in this table. Represents credit card loans that were modified in troubled debt restructurings, but are no longer enrolled in troubled debt restructuring program due to noncompliance with the terms of the modification or successful completion of a program.

The following table provides information on loans that entered a loan modification program during the period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
	Number of Accounts	Balances		Number of Accounts	Balances
Accounts that entered a loan modification program during the period
Credit card loans
Internal programs	14,967	$	96	13,243	$	86
External programs	7,317	$	39	7,617	$	39
Personal loans	1,061	$	12	986	$	12
Private student loans	452	$	8	469	$	7

The following table presents the carrying value of loans that experienced a payment default during the period that had been modified in a troubled debt restructuring during the 15 months preceding the end of each period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
	Number of Accounts	Aggregated Outstanding Balances Upon Default		Number of Accounts	Aggregated Outstanding Balances Upon Default
Troubled debt restructurings that subsequently defaulted
Credit card loans
Internal programs⁽¹⁾⁽²⁾	3,001	$	18	3,176	$	20
External programs⁽¹⁾⁽²⁾	1,699	$	7	1,643	$	7
Personal loans⁽²⁾	158	$	2	151	$	2
Private student loans⁽³⁾	197	$	3	305	$	4


(1)	The outstanding balance upon default is the loan balance at the end of the month prior to default. Terms revert back to the pre-modification terms for customers who default from a temporary program and charging privileges remain revoked in most cases.


(2)	A customer defaults from a modification program after two consecutive missed payments.


(3)	Student loan defaults have been defined as loans that are 60 or more days delinquent.

Purchased Credit-Impaired Loans

The following table provides changes in accretable yield for the acquired loans during each period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
Balance at beginning of period	$	965		$	1,341
Accretion into interest income	(49		)	(59		)
Other changes in expected cash flows	—			(101		)
Balance at end of period	$	916		$	1,181

Credit Card and Student Loan Securitization Activities

3 Months Ended

Mar. 31, 2016

Variable Interest Entities Disclosure [Abstract]

Credit Card and Student Loan Securitization Activities

Credit Card Securitization Activities

The carrying values of these restricted assets, which are presented on the Company’s condensed consolidated statements of financial condition as relating to securitization activities, are shown in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Restricted cash	$	921		$	19

Investors’ interests held by third-party investors	15,725			15,625
Investors’ interests held by wholly-owned subsidiaries of Discover Bank	5,199			6,017
Seller’s interest	6,241			7,231
Loan receivables⁽¹⁾	27,165			28,873
Allowance for loan losses allocated to securitized loan receivables⁽¹⁾	(783		)	(783		)
Net loan receivables	26,382			28,090
Other⁽²⁾	6			5
Carrying value of assets of consolidated variable interest entities	$	27,309		$	28,114


(1)	The Company maintains its allowance for loan losses at an amount sufficient to absorb probable losses inherent in all loan receivables, which includes all loan receivables in the trusts. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company’s balance sheet in accordance with GAAP.


(2)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

The debt securities issued by the consolidated trusts are subject to credit, payment and interest rate risks on the transferred credit card loan receivables. To protect investors, the securitization structures include certain features that could result in earlier-than-expected repayment of the securities. The primary investor protection feature relates to the availability and adequacy of cash flows in the securitized pool of receivables to meet contractual requirements. Insufficient cash flows would trigger the early repayment of the securities. This is referred to as the “economic early amortization” feature.

The table below provides information concerning investors’ interests and related excess spread (dollars in millions):

At March 31, 2016	Investors’ Interests⁽¹⁾		Number of Series Outstanding	3-Month Rolling Average Excess Spread
Discover Card Execution Note Trust (DiscoverSeries notes)	$	20,924	36	13.55	%


(1)	Investors’ interests include third-party interests and subordinated interests held by wholly-owned subsidiaries of Discover Bank.

Student Loan Securitization Activities

Currently there are three trusts from which securities were issued to investors. Principal payments on the long-term secured borrowings are made as cash is collected on the underlying loans that are used as collateral on the secured borrowings. The Company does not have access to cash collected by the securitization trusts until cash is released in accordance with the trust indenture agreements and, for certain securitizations, no cash will be released to the Company until all outstanding trust borrowings have been repaid. Similar to the credit card securitizations, the Company continues to own and service the accounts that generate the student loan receivables held by the trusts and receives servicing fees from the trusts based on either a percentage of the principal balance outstanding or a flat fee per borrower. Although the servicing fee income offsets the fee expense related to the trusts and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.

The carrying values of these restricted assets, which are presented on the Company’s condensed consolidated statements of financial condition as relating to securitization activities, are shown in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Restricted cash	$	89		$	80

Student loan receivables⁽¹⁾	1,596			1,678
Allowance for loan losses allocated to securitized loan receivables⁽¹⁾	(28		)	(28		)
Net student loan receivables	1,568			1,650
Carrying value of assets of consolidated variable interest entities	$	1,657		$	1,730


(1)	The Company maintains its allowance for loan losses on PCI loans sufficient to absorb probable decreases in cash flows that were previously expected. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company's balance sheet in accordance with GAAP.

Deposits

3 Months Ended

Mar. 31, 2016

Deposits [Abstract]

Deposits

The following table provides a summary of interest-bearing deposit accounts (dollars in millions):

	March 31, 2016		December 31, 2015
Certificates of deposit in amounts less than $100,000⁽¹⁾	$	19,728	$	20,491
Certificates of deposit in amounts $100,000 or greater⁽²⁾	5,516		5,228
Savings deposits, including money market deposit accounts	22,811		21,375
Total interest-bearing deposits⁽¹⁾	$	48,055	$	47,094


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.


(2)	Includes $1.2 billion and $1.1 billion in certificates of deposit greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of March 31, 2016 and December 31, 2015, respectively.

The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):

Maturity Period	March 31, 2016
Three months or less	$	530
Over three months through six months	742
Over six months through twelve months	1,536
Over twelve months	2,708
Total	$	5,516

The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

Year	March 31, 2016
2016	$	8,335
2017	6,792
2018	3,607
2019	1,966
2020	1,938
Thereafter	2,606
Total	$	25,244

Long-Term Borrowings

3 Months Ended

Mar. 31, 2016

Debt Disclosure [Abstract]

Long-Term Borrowings

Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company’s long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):

	March 31, 2016					December 31, 2015
	Maturity	Interest Rate	Weighted-Average Interest Rate	Outstanding Amount		Outstanding Amount
Securitized Debt
Fixed-rate asset-backed securities⁽¹⁾⁽⁸⁾	2016 - 2020	1.04% - 5.65%	2.05%	$	9,268	$	9,152
Floating-rate asset-backed securities^(2)(3)(8)	2016 - 2019	0.62% - 0.89%	0.79%	6,441		6,440
Total Discover Card Master Trust I and Discover Card Execution Note Trust⁽⁸⁾				15,709		15,592

Floating-rate asset-backed securities^(4)(5)(6)(7)	2031 - 2042	0.79% - 4.25%	2.21%	1,070		1,143
Total SLC Private Student Loan Trusts				1,070		1,143
Total long-term borrowings - owed to securitization investors⁽⁸⁾				16,779		16,735

Discover Financial Services (Parent Company)
Fixed-rate senior notes⁽¹⁾⁽⁸⁾	2017 - 2025	3.75%-10.25%	4.75%	2,073		2,066
Fixed-rate retail notes⁽⁸⁾	2021 - 2028	3.00% - 4.40%	3.94%	77		39

Discover Bank
Fixed-rate senior bank notes⁽¹⁾⁽⁸⁾	2018 - 2026	2.00% - 4.25%	3.16%	5,128		5,115
Fixed-rate subordinated bank notes⁽⁸⁾	2019 - 2020	7.00% - 8.70%	7.49%	695		695
Total long-term borrowings⁽⁸⁾				$	24,752	$	24,650


(1)	The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in London Interbank Offered Rate (“LIBOR”). Use of these interest rate swaps impacts carrying value of the debt.


(2)	Discover Card Execution Note Trust floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 18 to 45 basis points and 3-month LIBOR + 20 basis points as of March 31, 2016.


(3)	The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest payments on a portion of these long-term borrowings. There is no impact on debt carrying value from use of these interest rate swaps. See Note 15: Derivatives and Hedging Activities.


(4)	SLC Private Student Loan Trusts floating-rate asset-backed securities include issuances with the following interest rate terms: 3-month LIBOR + 17 to 45 basis points, Prime rate + 75 to 100 basis points and 1-month LIBOR + 350 basis points as of March 31, 2016.


(5)	The Company acquired an interest rate swap related to the securitized debt assumed in the SLC transaction. The swap does not qualify for hedge accounting and has no impact on debt carrying value. See Note 15: Derivatives and Hedging Activities.


(6)	Repayment of this debt is dependent upon the timing of principal and interest payments on the underlying student loans. The dates shown represent final maturity dates.


(7)	Includes $302 million of senior notes maturing in 2031, $621 million of senior and subordinated notes maturing in 2036 and $147 million of senior notes maturing in 2042 as of March 31, 2016.


(8)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

Year	March 31, 2016
2016	$	2,150
2017	5,099
2018	5,273
2019	4,270
2020	3,094
Thereafter	4,866
Total	$	24,752

Accumulated Other Comprehensive Income

3 Months Ended

Mar. 31, 2016

Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]

Accumulated Other Comprehensive Income

Changes in each component of accumulated other comprehensive income (loss) ("AOCI") were as follows (dollars in millions):

	Unrealized Gain on Available-for-Sale Investment Securities, Net of Tax		Loss on Cash Flow Hedges, Net of Tax			Pension Plan Loss, Net of Tax			AOCI
For the Three Months Ended March 31, 2016
Balance at December 31, 2015	$	—	$	(20	)	$	(140	)	$	(160	)
Net change	14		(26		)	—			(12		)
Balance at March 31, 2016	$	14	$	(46	)	$	(140	)	$	(172	)

For the Three Months Ended March 31, 2015
Balance at December 31, 2014	$	23	$	(7	)	$	(154	)	$	(138	)
Net change	—		(23		)	—			(23		)
Balance at March 31, 2015	$	23	$	(30	)	$	(154	)	$	(161	)

The table below presents each component of other comprehensive income (loss) ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):

	Before Tax			Tax (Expense) Benefit			Net of Tax
For the Three Months Ended March 31, 2016
Available-for-Sale Investment Securities
Net unrealized holding gain arising during the period	$	23		$	(9	)	$	14
Amounts reclassified from AOCI	—			—			—
Net change	$	23		$	(9	)	$	14
Cash Flow Hedges
Net unrealized loss arising during the period	$	(52	)	$	21		$	(31	)
Amounts reclassified from AOCI	9			(4		)	5
Net change	$	(43	)	$	17		$	(26	)

For the Three Months Ended March 31, 2015
Available-for-Sale Investment Securities
Net unrealized holding gain arising during the period	$	8		$	(3	)	$	5
Amounts reclassified from AOCI	(8		)	3			(5		)
Net change	$	—		$	—		$	—
Cash Flow Hedges
Net unrealized loss arising during the period	$	(47	)	$	17		$	(30	)
Amounts reclassified from AOCI	12			(5		)	7
Net change	$	(35	)	$	12		$	(23	)

Income Taxes

3 Months Ended

Mar. 31, 2016

Income Tax Disclosure [Abstract]

Income Taxes

The following table presents the calculation of the Company's effective income tax rate (dollars in millions, except effective income tax rate):

	For the Three Months Ended March 31,
	2016			2015
Income before income tax expense	$	914		$	908
Income tax expense	$	339		$	322
Effective income tax rate	37.1		%	35.5		%

Earnings Per Share

3 Months Ended

Mar. 31, 2016

Earnings Per Share [Abstract]

Earnings Per Share

The following table presents the calculation of basic and diluted earnings per share ("EPS") (in millions, except per share amounts):

	For the Three Months Ended March 31,
	2016			2015
Numerator
Net income	$	575		$	586
Preferred stock dividends	(9		)	(9		)
Net income available to common stockholders	566			577
Income allocated to participating securities	(4		)	(4		)
Net income allocated to common stockholders	$	562		$	573
Denominator
Weighted-average shares of common stock outstanding	417			448
Basic earnings per common share	$	1.35		$	1.28
Diluted earnings per common share	$	1.35		$	1.28

Anti-dilutive securities were not material and had no impact on the computation of diluted EPS for the three months ended March 31, 2016 and 2015.

Capital Adequacy

3 Months Ended

Mar. 31, 2016

Regulatory Capital Requirements [Abstract]

Capital Adequacy

The Basel III minimum capital ratios as of January 1, 2015 are as follows:


•	8.0% Total capital (i.e., Tier 1 plus Tier 2) to risk-weighted assets;


•	6.0% Tier 1 capital (i.e., CET1 plus Additional Tier 1) to risk-weighted assets;


•	4.0% Tier 1 capital to average consolidated assets as reported on consolidated financial statements (known as the “leverage ratio”); and


•	4.5% CET1 to risk-weighted assets.

The following table shows the actual capital amounts and ratios of the Company and Discover Bank and comparisons of each to the regulatory minimum and “well-capitalized” requirements (dollars in millions):

	Actual				Minimum Capital Requirements			Capital Requirements To Be Classified as Well-Capitalized
	Amount		Ratio		Amount		Ratio	Amount		Ratio
March 31, 2016
Total capital (to risk-weighted assets)
Discover Financial Services	$	12,463	16.8	%	$	5,936	≥8.0%	$	7,421	≥10.0%
Discover Bank	$	12,008	16.4	%	$	5,876	≥8.0%	$	7,345	≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services	$	11,153	15.0	%	$	4,452	≥6.0%	$	5,936	≥8.0%
Discover Bank	$	10,061	13.7	%	$	4,407	≥6.0%	$	5,876	≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services	$	11,153	12.8	%	$	3,493	≥4.0%	$	4,366	≥5.0%
Discover Bank	$	10,061	11.6	%	$	3,459	≥4.0%	$	4,323	≥5.0%
CET1 capital (to risk-weighted assets) (Basel III transition)
Discover Financial Services	$	10,593	14.3	%	$	3,339	≥4.5%	$	4,823	≥6.5%
Discover Bank	$	10,061	13.7	%	$	3,305	≥4.5%	$	4,774	≥6.5%

December 31, 2015⁽¹⁾
Total capital (to risk-weighted assets)
Discover Financial Services	$	12,497	16.5	%	$	6,052	≥8.0%	$	7,565	≥10.0%
Discover Bank	$	11,905	15.9	%	$	5,991	≥8.0%	$	7,488	≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services	$	11,126	14.7	%	$	4,539	≥6.0%	$	6,052	≥8.0%
Discover Bank	$	9,941	13.3	%	$	4,493	≥6.0%	$	5,991	≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services	$	11,126	12.9	%	$	3,446	≥4.0%	$	4,307	≥5.0%
Discover Bank	$	9,941	11.7	%	$	3,410	≥4.0%	$	4,263	≥5.0%
CET1 capital (to risk-weighted assets) (Basel III transition)
Discover Financial Services	$	10,566	14.0	%	$	3,404	≥4.5%	$	4,917	≥6.5%
Discover Bank	$	9,941	13.3	%	$	3,370	≥4.5%	$	4,867	≥6.5%


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Commitments, Contingencies and Guarantees

3 Months Ended

Mar. 31, 2016

Commitments Contingencies and Guarantees [Abstract]

Commitments, Contingencies and Guarantees

Lease Commitments

The Company leases various office space and equipment under capital and non-cancelable operating leases, which expire at various dates through 2028. Future minimum payments on capital leases were not material at March 31, 2016. The following table shows future minimum payments on non-cancelable operating leases with original terms in excess of one year (dollars in millions):

	March 31, 2016
2016	$	11
2017	12
2018	11
2019	9
2020	7
Thereafter	34
Total minimum lease payments	$	84

Unused Commitments to Extend Credit

Securitizations Representations and Warranties

Mortgage Loans Representations and Warranties

Guarantees

Counterparty Settlement Guarantees

Diners Club and DFS Services LLC (on behalf of PULSE) have various counterparty exposures, which are listed below.

•


•	ATM Guarantee. PULSE entered into contractual relationships with certain international ATM acquirers in which DFS Services LLC retains counterparty exposure if an issuer fails to fulfill its settlement obligation.

While the Company has some contractual remedies to offset these counterparty settlement exposures (such as letters of credit or pledged deposits), in the event that all licensees and/or issuers were to become unable to settle their transactions, the Company estimates its maximum potential counterparty exposures to these settlement guarantees, based on historical transaction volume, would be as follows (dollars in millions):

	March 31, 2016
Diners Club:
Merchant guarantee	$	142
PULSE:
ATM guarantee	$	1

Merchant Chargeback Guarantees

The Company operates the Discover Network, issues payment cards and permits third parties to issue payment cards. The Company is contingently liable for certain transactions processed on the Discover Network in the event of a dispute between the payment card customer and a merchant. The contingent liability arises if the disputed transaction involves a merchant or merchant acquirer with whom the Discover Network has a direct relationship. If a dispute is resolved in the customer’s favor, the Discover Network will credit or refund the disputed amount to the Discover Network card issuer, who in turn credits its customer’s account. The Discover Network will then charge back the disputed amount of the payment card transaction to the merchant or merchant acquirer, where permitted by the applicable agreement, to seek recovery of amounts already paid to the merchant for payment card transactions. If the Discover Network is unable to collect the amount subject to dispute from the merchant or merchant acquirer (e.g., in the event of merchant default or dissolution) or after expiration of the time period for chargebacks in the applicable agreement, the Discover Network will bear the loss for the amount credited or refunded to the customer. In most instances, a loss by the Discover Network is unlikely to arise in connection with payments on card transactions because most products or services are delivered when purchased and credits are issued by merchants on returned items in a timely fashion, thus minimizing the likelihood of cardholder disputes with respect to amounts paid by the Discover Network. However, where the product or service is not scheduled to be provided to the customer until a later date following the purchase, the likelihood of a contingent payment obligation by the Discover Network increases. Losses related to merchant chargebacks were not material for the three months ended March 31, 2016 and 2015.

The table below summarizes certain information regarding merchant chargeback guarantees (in millions):

	For the Three Months Ended March 31,
	2016		2015
Aggregate sales transaction volume⁽¹⁾	$	31,281	$	29,498


(1)	Represents period transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.

The table below provides information regarding escrow deposits and settlement withholdings, which are recorded in interest-bearing deposit accounts and accrued expenses and other liabilities on the Company’s condensed consolidated statements of financial condition, respectively (dollars in millions):

	March 31, 2016		December 31, 2015
Settlement withholdings and escrow deposits	$	6	$	7

Litigation and Regulatory Matters	3 Months Ended
Litigation and Regulatory Matters	Mar. 31, 2016
Loss Contingency [Abstract]
Litigation and Regulatory Matters	Litigation and Regulatory Matters In the normal course of business, from time to time, the Company has been named as a defendant in various legal actions, including arbitrations, class actions and other litigation, arising in connection with its activities. Certain of the actual or threatened legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. The litigation process is not predictable and can lead to unexpected results. The Company contests liability and/or the amount of damages as appropriate in each pending matter. The Company has historically relied on the arbitration clause in its cardmember agreements, which has in some instances limited the costs of, and the Company’s exposure to litigation, but there can be no assurance that the Company will continue to be successful in enforcing its arbitration clause in the future. Legal challenges to the enforceability of these clauses have led most card issuers, and may cause the Company, to discontinue their use. The Company is involved in pending legal actions challenging its arbitration clause. Bills are periodically introduced in Congress to directly or indirectly prohibit the use of pre-dispute arbitration clauses, and the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") authorized the Consumer Financial Protection Bureau (the "CFPB") to conduct a study on pre-dispute arbitration clauses and, based on the study, potentially limit or ban arbitration clauses. On March 10, 2015, the CFPB released its report to Congress on pre-dispute arbitration as required by the Dodd-Frank Act. On October 7, 2015, the CFPB published a potential rulemaking on arbitration agreements that would (i) effectively ban consumer financial companies from using arbitration clauses to prevent class action cases and (ii) require records of all other arbitrations to be provided to the CFPB for potential publication on its website. The timing and provisions of any final rule are uncertain at this time. The Company is also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding the Company’s business including, among other matters, consumer regulatory, accounting, tax and other operational matters, some of which may result in significant adverse judgments, settlements, fines, penalties, injunctions, decreases in regulatory ratings, customer restitution or other relief, which could materially impact the Company's condensed consolidated financial statements, increase its cost of operations, or limit its ability to execute its business strategies and engage in certain business activities. For example, Discover Bank and Discover Financial Services have been the subject of actions by the FDIC and the Federal Reserve, respectively, with respect to anti-money laundering and related compliance programs as described more fully below. In addition, certain subsidiaries of the Company are subject to a consent order with the CFPB regarding certain student loan servicing practices, as described below. Regulatory actions generally can include demands for civil money penalties, changes to certain business practices and customer restitution. Supervisory actions related to anti-money laundering and related laws and regulations will limit for a period of time the Company's ability to enter into certain types of acquisitions and make certain types of investments. In accordance with applicable accounting guidance, the Company establishes an accrued liability for legal and regulatory matters when those matters present loss contingencies which are both probable and estimable. Litigation and regulatory settlement related expense was insignificant for the three months ended March 31, 2016 and was $23 million for the three months ended March 31, 2015. There may be an exposure to loss in excess of any amounts accrued. The Company believes the estimate of the aggregate range of reasonably possible losses (meaning those losses the likelihood of which is more than remote but less than likely) in excess of the amounts that the Company has accrued for legal and regulatory proceedings is up to $160 million. This estimated range of reasonably possible losses is based upon currently available information for those proceedings in which the Company is involved, takes into account the Company’s best estimate of such losses for those matters for which an estimate can be made, and does not represent the Company’s maximum potential loss exposure. Various aspects of the legal proceedings underlying the estimated range will change from time to time and actual results may vary significantly from the estimate. The Company’s estimated range above involves significant judgment, given the varying stages of the proceedings, the existence of numerous yet to be resolved issues, the breadth of the claims (often spanning multiple years and, in some cases, a wide range of business activities), unspecified damages and/or the novelty of the legal issues presented. The outcome of pending matters could be material to the Company’s condensed consolidated financial condition, operating results and cash flows for a particular future period, depending on, among other things, the level of the Company’s income for such period, and could adversely affect the Company’s reputation. On July 5, 2012, the Antitrust Division of the United States Department of Justice (the “Division”) issued a CID to the Company seeking information regarding an investigation related to potential violations of Sections 1 and 2 of the Sherman Act, 15 U.S.C. §§1-2, by an unidentified party other than Discover. The CID seeks documents, data and narrative responses to several interrogatories and document requests, related to the debit card market. A CID is a request for information in the course of a civil investigation and does not constitute the commencement of legal proceedings. The Division is permitted by statute to issue a CID to anyone whom it believes may have information relevant to an investigation. The receipt of a CID does not presuppose that there is probable cause to believe that a violation of the antitrust laws has occurred or that a formal complaint ultimately will be filed. The Company is cooperating with the Division in connection with the CID. On August 14, 2012, a purported shareholder, James Groen, filed a shareholder derivative action in the U.S. District Court for the Northern District of Illinois (Groen v. Nelms et al.) against the Company’s board of directors, certain current and former officers and directors and the Company as nominal defendant. On August 27, 2012, a second purported shareholder, the Charter Township of Clinton Police and Fire Retirement System, filed a substantially identical shareholder derivative action in the same court against the same parties (Charter Township of Clinton Police and Fire Retirement System v. Nelms et al.). On September 25, 2012, the actions were consolidated, and on February 19, 2013, the plaintiffs filed an amended consolidated complaint. The consolidated complaint asserts claims against the board of directors and certain current and former officers and directors for alleged breach of fiduciary duty, corporate waste and unjust enrichment arising out of the Company’s alleged violations of the law in connection with the marketing and sale of its protection products. The relief sought in the consolidated complaint includes changes to the Company’s corporate governance procedures; unspecified damages, injunctive relief, restitution and disgorgement from the individual defendants; and attorneys’ fees. On April 5, 2013, the defendants filed a motion to dismiss the amended consolidated complaint, and on June 5, 2013, briefing on the motion to dismiss was completed. On March 23, 2015, the Court granted the defendants’ motion to dismiss the amended consolidated shareholder derivative complaint without prejudice, while also allowing the plaintiffs until April 10, 2015 to request permission to file a further amended complaint in order to avoid having the case dismissed with prejudice. On April 6, 2015, the plaintiffs filed a motion requesting reconsideration by the Court of its order dismissing the complaint. In addition, on April 10, 2015, the plaintiffs filed a motion requesting permission to file a further amended complaint. On March 17, 2016, the Court denied both the motion for reconsideration and motion for leave to amend and dismissed the case with prejudice. On April 18, 2016, the plaintiffs filed a notice of appeal. On September 2, 2014, a purported shareholder, Steamfitters Local 449 Pension Fund, filed a shareholder derivative action in the Circuit Court of the Nineteenth Judicial Circuit, Lake County, Illinois (Steamfitters Local 449 Pension Fund, derivatively on behalf of Discover Financial Services v. David W. Nelms, et al.) against the Company’s board of directors and certain current and former officers and directors of the Company. The complaint asserts claims for alleged breach of fiduciary duty, corporate waste and unjust enrichment arising out of the Company’s alleged violations of the law in connection with the marketing and sale of protection products. The relief sought in the consolidated complaint includes changes to the Company’s corporate governance procedures, unspecified damages, restitution and disgorgement from the individual defendants and attorneys’ fees. On September 25, 2014, the court entered an order staying the case until 30 days after the U.S. District Court for the Northern District of Illinois enters an order on defendants’ motion to dismiss the amended consolidated complaint in Groen v. Nelms et al. and Charter Township of Clinton Police and Fire Retirement System v. Nelms et al. (as consolidated, the Groen and Charter Township cases are now captioned: In re Discover Financial Services Derivative Litigation). The case remains stayed. On May 26, 2015, the Company entered into a written agreement with the Federal Reserve Bank of Chicago where the Company agreed to enhance the Company’s enterprise-wide anti-money laundering and related compliance programs. The agreement does not include civil money penalties. This agreement follows the consent order that Discover Bank entered into with the FDIC on June 13, 2014 related to Discover Bank’s anti-money laundering and related compliance programs. In the consent order, Discover Bank agreed to, among other things, enhance its anti-money laundering and related compliance programs. On July 9, 2015, a class action lawsuit was filed against the Company in the U.S. District Court for the Northern District of Illinois (Polly Hansen v. Discover Financial Services and Discover Home Loans, Inc.). The plaintiff alleges that the Company contacted her, and members of the class she seeks to represent, on their cellular and residential telephones without their express consent or after consent was revoked in violation of the Telephone Consumer Protection Act ("TCPA"). Plaintiff seeks statutory damages for alleged negligent and willful violations of the TCPA, attorneys' fees, costs and injunctive relief. The TCPA provides for statutory damages of $500 for each violation ($1,500 for willful violations). The Company will seek to vigorously defend against all claims asserted by the plaintiff. On March 8, 2016, Summer Davenport was substituted as lead plaintiff for Polly Hansen. On July 22, 2015, the Company announced that its subsidiaries, Discover Bank, The Student Loan Corporation and Discover Products, Inc. (the “Discover Subsidiaries”), agreed to a consent order with the CFPB resolving the agency’s investigation with respect to certain student loan servicing practices. The CFPB’s investigation into these practices has been previously disclosed by the Company, initially in February 2014. The order requires the Discover Subsidiaries to provide redress of approximately $16 million to consumers who may have been affected by the activities described in the order related to certain collection calls, overstatements of minimum payment due amounts in billing statements, and provision of interest paid information to consumers, and provide regulatory disclosures with respect to loans acquired in default. In addition, the Discover Subsidiaries are required to pay a $2.5 million civil money penalty to the CFPB. As required by the consent order, on October 19, 2015, the Discover Subsidiaries submitted to the CFPB a redress plan and a compliance plan designed to ensure that the Discover Subsidiaries provide redress and otherwise comply with the terms of the order. On September 4, 2015, the District Attorney of Trinity County, California filed a protection products lawsuit against the Company in California state court (The People of the State of California Ex Rel, Eric L. Heryford, District Attorney, Trinity County v. Discover Financial Services, et al.). The District Attorney subsequently dismissed this lawsuit on February 19, 2016 and filed a new complaint in federal court in the Eastern District of California on March 4, 2016 alleging the same cause of action. An amended complaint was filed on March 25, 2016. The lawsuit asserts various claims under California's Unfair Competition Law with respect to the Company's marketing and administration of various protection products. Plaintiff seeks declaratory relief, statutory civil penalties, and attorneys’ fees. The Company is not in a position at this time to assess the likely outcome or its exposure, if any, with respect to this matter, but will seek to vigorously defend against all claims asserted by the plaintiff. On March 8, 2016, a class action lawsuit was filed against the Company in the U.S. District Court for the Northern District of California (B&R Supermarket, Inc., d/b/a Milam’s Market, et al. v. Visa, Inc. et al.) alleging violations of the Sherman Antitrust Act, California's Cartwright Act, and unjust enrichment. Plaintiffs allege a conspiracy to shift fraud liability to merchants with the migration to the EMV security standard and chip technology. Plaintiffs seek damages, attorneys' fees, costs and injunctive relief. The Company is not in a position at this time to assess the likely outcome or its exposure, if any, with respect to this matter, but will seek to vigorously defend against all claims asserted by the plaintiffs.

Fair Value Measurements and Disclosures

3 Months Ended

Mar. 31, 2016

Fair Value Disclosures [Abstract]

Fair Value Measurements and Disclosures


•	Level 1: Fair values determined by Level 1 inputs are defined as those that utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access.

•

Assets and Liabilities Measured at Fair Value on a Recurring Basis

Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):

	Quoted Price in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Balance at March 31, 2016
Assets
U.S. Treasury securities	$	1,180	$	—	$	—	$	1,180
U.S. government agency securities	492		—		—		492
Residential mortgage-backed securities - Agency	—		1,152		—		1,152
Available-for-sale investment securities	$	1,672	$	1,152	$	—	$	2,824

Derivative financial instruments	$	—	$	58	$	—	$	58

Liabilities
Derivative financial instruments	$	—	$	78	$	—	$	78

Balance at December 31, 2015
Assets
U.S. Treasury securities	$	1,272	$	—	$	—	$	1,272
U.S. government agency securities	494		—		—		494
Residential mortgage-backed securities - Agency	—		1,197		—		1,197
Available-for-sale investment securities	$	1,766	$	1,197	$	—	$	2,963

Derivative financial instruments	$	—	$	22	$	—	$	22

Liabilities
Derivative financial instruments	$	—	$	38	$	—	$	38

There were no transfers between Levels 1 and 2 within the fair value hierarchy for the three months ended March 31, 2016 and 2015.

Available-for-Sale Investment Securities

Derivative Financial Instruments

Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis

Financial Instruments Measured at Other Than Fair Value

The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total		Carrying Value
Balance at March 31, 2016
Assets
U.S Treasury securities	$	1	$	—	$	—	$	1	$	1
States and political subdivisions of states	—		5		—		5		5
Residential mortgage-backed securities - Agency	—		129		—		129		126
Held-to-maturity investment securities	$	1	$	134	$	—	$	135	$	132

Cash and cash equivalents	$	12,135	$	—	$	—	$	12,135	$	12,135
Restricted cash	$	1,010	$	—	$	—	$	1,010	$	1,010
Net loan receivables	$	—	$	—	$	69,473	$	69,473	$	68,399
Accrued interest receivables	$	—	$	666	$	—	$	666	$	666

Liabilities
Deposits	$	—	$	48,775	$	—	$	48,775	$	48,465
Long-term borrowings - owed to securitization investors	$	—	$	15,849	$	1,131	$	16,980	$	16,779
Other long-term borrowings	$	—	$	8,444	$	—	$	8,444	$	7,973
Accrued interest payables	$	—	$	172	$	—	$	172	$	172

Balance at December 31, 2015
Assets
U.S Treasury securities	$	1	$	—	$	—	$	1	$	1
States and political subdivisions of states	—		7		—		7		7
Residential mortgage-backed securities - Agency	—		114		—		114		113
Held-to-maturity investment securities	$	1	$	121	$	—	$	122	$	121

Cash and cash equivalents	$	9,572	$	—	$	—	$	9,572	$	9,572
Restricted cash	$	99	$	—	$	—	$	99	$	99
Net loan receivables	$	—	$	—	$	71,455	$	71,455	$	70,516
Accrued interest receivables	$	—	$	660	$	—	$	660	$	660

Liabilities
Deposits⁽¹⁾	$	—	$	47,714	$	—	$	47,714	$	47,531
Long-term borrowings - owed to securitization investors⁽¹⁾	$	—	$	15,634	$	1,220	$	16,854	$	16,735
Other long-term borrowings⁽¹⁾	$	—	$	8,355	$	—	$	8,355	$	7,915
Accrued interest payables	$	—	$	158	$	—	$	158	$	158


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Cash and Cash Equivalents

Restricted Cash

Held-to-Maturity Investment Securities

Net Loan Receivables

Accrued Interest Receivables

Deposits

Long-Term Borrowings - Owed to Securitization Investors

Other Long-Term Borrowings

Accrued Interest Payables

Derivatives and Hedging Activities

3 Months Ended

Mar. 31, 2016

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivatives and Hedging Activities

Derivatives Designated as Hedges

Cash Flow Hedges

Fair Value Hedges

Derivatives Not Designated as Hedges

Foreign Exchange Forward Contracts

Interest Rate Swaps

The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):

	March 31, 2016									December 31, 2015
	Notional Amount		Number of Outstanding Derivative Contracts	Derivative Assets			Derivative Liabilities			Notional Amount		Derivative Assets			Derivative Liabilities
Derivatives designated as hedges
Interest rate swaps—cash flow hedge	$	4,100	8	$	—		$	78		$	4,100	$	—		$	35
Interest rate swaps—fair value hedge	$	4,854	105	58			—			$	4,110	22			3
Derivatives not designated as hedges
Foreign exchange forward contracts⁽¹⁾	$	32	6	—			—			$	32	—			—
Interest rate swap⁽²⁾	$	198	1	—			—			$	217	—			—
Total gross derivative assets/liabilities⁽³⁾				58			78					22			38
Less: Collateral held/posted⁽⁴⁾				(21		)	(63		)			(8		)	(33		)
Total net derivative assets/liabilities				$	37		$	15				$	14		$	5


(1)	The foreign exchange forward contracts have notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of March 31, 2016, and notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of December 31, 2015.


(2)	Interest rate swaps not designated as hedges do not have associated master netting arrangements.

(3)


(4)	Collateral amounts, which consist of both cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.

The following tables summarize the impact of the derivative instruments on income and OCI and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):

		Amount of Loss Recognized in OCI
		For the Three Months Ended March 31,
	Location	2016			2015
Derivatives designated as hedges
Interest rate swaps - cash flow/net investment hedges
Total loss recognized in OCI after amounts reclassified into earnings, pre-tax	OCI	$	(43	)	$	(35	)
Total loss recognized in OCI		$	(43	)	$	(35	)


		Amount of (Loss) Gain Recognized in Income
		For the Three Months Ended March 31,
	Location	2016			2015
Derivatives designated as hedges
Interest rate swaps - cash flow hedges
Amount reclassified from OCI into income	Interest Expense	$	(9	)	$	(12	)
Total amount reclassified from OCI into income		(9		)	(12		)

Interest rate swaps - fair value hedges
Adjustments - ineffectiveness		31			5
Adjustments - other		9			8
Gain on interest rate swaps	Interest Expense	40			13

Adjustments - ineffectiveness		(29		)	(3		)
Adjustments - other		(2		)	(1		)
Loss on hedged item	Interest Expense	(31		)	(4		)

Total loss on derivatives designated as hedges recognized in income		$	—		$	(3	)

Derivatives not designated as hedges
Total (loss) gain on derivatives not designated as hedges recognized in income⁽¹⁾	Other Income	$	(1	)	$	49


(1)	Amount as of March 31, 2015 includes $2 million gain on forward delivery contracts and $44 million gain on interest rate lock commitments related to the mortgage loan business that was closed during 2015. See Note 2: Business Dispositions.

Collateral Requirements and Credit-Risk Related Contingency Features

Segment Disclosures

3 Months Ended

Mar. 31, 2016

Segment Reporting [Abstract]

Segment Disclosures

The Company’s business activities are managed in two segments: Direct Banking and Payment Services.

•

The business segment reporting provided to and used by the Company’s chief operating decision maker is prepared using the following principles and allocation conventions:


•	The Company aggregates operating segments when determining reportable segments.


•	Corporate overhead is not allocated between segments; all corporate overhead is included in the Direct Banking segment.


•	Through its operation of the Discover Network, the Direct Banking segment incurs fixed marketing, servicing and infrastructure costs that are not specifically allocated among the segments, with the exception of an allocation of direct and incremental costs driven by the Company's Payment Services segment.


•	The assets of the Company are not allocated among the operating segments in the information reviewed by the Company’s chief operating decision maker.


•	The revenues of each segment are derived from external sources. The segments do not earn revenue from intercompany sources.


•	Income taxes are not specifically allocated between the operating segments in the information reviewed by the Company’s chief operating decision maker.

The following table presents segment data (dollars in millions):

	Direct Banking		Payment Services		Total
For the Three Months Ended March 31, 2016
Interest income
Credit card loans	$	1,733	$	—	$	1,733
Private student loans	107		—		107
PCI student loans	49		—		49
Personal loans	167		—		167
Other	28		—		28
Total interest income	2,084		—		2,084
Interest expense	334		—		334
Net interest income	1,750		—		1,750
Provision for loan losses	423		1		424
Other income	406		68		474
Other expense	851		35		886
Income before income tax expense	$	882	$	32	$	914

For the Three Months Ended March 31, 2015
Interest income
Credit card loans	$	1,606	$	—	$	1,606
Private student loans	90		—		90
PCI student loans	60		—		60
Personal loans	152		—		152
Other	21		—		21
Total interest income	1,929		—		1,929
Interest expense	300		—		300
Net interest income	1,629		—		1,629
Provision for loan losses	388		2		390
Other income	468		74		542
Other expense	828		45		873
Income before income tax expense	$	881	$	27	$	908

Subsequent Events	3 Months Ended
Subsequent Events	Mar. 31, 2016
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events The Company has evaluated events and transactions that have occurred subsequent to March 31, 2016 and determined that other than the matters disclosed in Note 9: Income Taxes, there were no subsequent events that would require recognition or disclosure in the condensed consolidated financial statements.

Background and Basis of Presentation (Policies)	3 Months Ended
Background and Basis of Presentation (Policies)	Mar. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Significant Accounting Policies	The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments which are necessary for a fair presentation of the results for the interim period. All such adjustments are of a normal, recurring nature.
Use of Estimates	The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates.
Fair Value of Financial Instruments	The fair values of these financial assets and liabilities, which are not carried at fair value on the condensed consolidated statements of financial condition, were determined by applying the fair value provisions discussed herein. The use of different assumptions or estimation techniques may have a material effect on these estimated fair value amounts. The following describes the valuation techniques of these financial instruments measured at other than fair value. Cash and Cash Equivalents The carrying value of cash and cash equivalents approximates fair value due to the low level of risk these assets present to the Company, as well as the relatively liquid nature of these assets, particularly given their short maturities. Restricted Cash The carrying value of restricted cash approximates fair value due to the low level of risk these assets present to the Company, as well as the relatively liquid nature of these assets, particularly given their short maturities. Held-to-Maturity Investment Securities Held-to-maturity investment securities consist of residential mortgage-backed securities issued by agencies and municipal bonds. The fair value of residential mortgage-backed securities included in the held-to-maturity portfolio is estimated similarly to residential mortgage-backed securities carried at fair value on a recurring basis discussed herein. Municipal bonds are valued based on quoted market prices for the same or similar securities. Net Loan Receivables The Company's loan receivables are comprised of credit card and installment loans, including the PCI student loans. Fair value estimates are derived utilizing discounted cash flow analyses, the calculations of which are performed on groupings of loan receivables that are similar in terms of loan type and characteristics. Inputs to the cash flow analysis of each grouping consider recent prepayment and interest accrual trends and leverage forecasted loss estimates. The expected future cash flows, derived through the cash flow analysis, of each grouping are discounted at rates at which similar loans within each grouping could be originated under current market conditions. Significant inputs to the fair value measurement of the loan portfolio are unobservable and, as such, are classified as Level 3. Accrued Interest Receivables The carrying value of accrued interest receivables, which is included in other assets on the condensed consolidated statements of financial condition, approximates fair value as it is due in less than one year. Deposits The carrying values of money market deposits, savings deposits and demand deposits approximate fair value due to the potentially liquid nature of these deposits. For time deposits for which readily available market rates do not exist, fair values are estimated by discounting expected future cash flows using market rates currently offered for deposits with similar remaining maturities. Long-Term Borrowings - Owed to Securitization Investors Fair values of long-term borrowings owed to credit card securitization investors are determined utilizing quoted market prices of the same transactions and, as such, are classified as Level 2. Fair values of long-term borrowings owed to student loan securitization investors are calculated by discounting cash flows using estimated assumptions including, among other things, maturity and market discount rates. A portion of the difference between the carrying value and the fair value of the long-term borrowings owed to student loan securitization investors relates to purchase accounting adjustments recorded in connection with the December 2010 purchase of SLC. Significant inputs to these fair value measurements are unobservable and, as such, are classified as Level 3. Other Long-Term Borrowings Fair values of other long-term borrowings, consisting of subordinated and senior debt, are determined utilizing current observable market prices for those transactions and, as such, are classified as Level 2. A portion of the difference between the carrying value and the fair value of other long-term borrowings relates to the cash premiums paid in connection with the 2012 fiscal year debt exchanges. Accrued Interest Payables The carrying value of accrued interest payables, which is included in accrued expenses and other liabilities on the condensed consolidated statements of financial condition, approximates fair value as it is payable in less than one year.

Investments (Tables)

3 Months Ended

Mar. 31, 2016

Investments, Debt and Equity Securities [Abstract]

Schedule of Investment Securities

The Company’s investment securities consist of the following (dollars in millions):

	March 31, 2016		December 31, 2015
U.S. Treasury securities⁽¹⁾	$	1,181	$	1,273
U.S. government agency securities	492		494
States and political subdivisions of states	5		7
Residential mortgage-backed securities - Agency⁽²⁾	1,278		1,310
Total investment securities	$	2,956	$	3,084


(1)	Includes $20 million and $7 million of U.S. Treasury securities pledged as swap collateral in lieu of cash as of March 31, 2016 and December 31, 2015, respectively.


(2)	Consists of residential mortgage-backed securities issued by Fannie Mae, Freddie Mac and Ginnie Mae.

Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value

The amortized cost, gross unrealized gains and losses, and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
At March 31, 2016
Available-for-Sale Investment Securities⁽¹⁾
U.S. Treasury securities	$	1,177	$	3	$	—		$	1,180
U.S. government agency securities	491		1		—			492
Residential mortgage-backed securities - Agency	1,134		18		—			1,152
Total available-for-sale investment securities	$	2,802	$	22	$	—		$	2,824
Held-to-Maturity Investment Securities⁽²⁾
U.S. Treasury securities⁽³⁾	$	1	$	—	$	—		$	1
States and political subdivisions of states	5		—		—			5
Residential mortgage-backed securities - Agency⁽⁴⁾	126		3		—			129
Total held-to-maturity investment securities	$	132	$	3	$	—		$	135

At December 31, 2015
Available-for-Sale Investment Securities⁽¹⁾
U.S. Treasury securities	$	1,277	$	1	$	(6	)	$	1,272
U.S. government agency securities	492		2		—			494
Residential mortgage-backed securities - Agency	1,195		6		(4		)	1,197
Total available-for-sale investment securities	$	2,964	$	9	$	(10	)	$	2,963
Held-to-Maturity Investment Securities⁽²⁾
U.S. Treasury securities⁽³⁾	$	1	$	—	$	—		$	1
States and political subdivisions of states	7		—		—			7
Residential mortgage-backed securities - Agency⁽⁴⁾	113		1		—			114
Total held-to-maturity investment securities	$	121	$	1	$	—		$	122


(1)	Available-for-sale investment securities are reported at fair value.


(2)	Held-to-maturity investment securities are reported at amortized cost.


(3)	Amount represents securities pledged as collateral to a government-related merchant for which transaction settlement occurs beyond the normal 24-hour period.


(4)	Amounts represent residential mortgage-backed securities that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.

Schedule of Fair Value of Securities in a Continuous Unrealized Loss Position for Less Than 12 Months and More Than 12 Months

The following table provides information about investment securities with aggregate gross unrealized losses and the length of time that individual investment securities have been in a continuous unrealized loss position (dollars in millions):

	Number of Securities in a Loss Position	Less than 12 months					More than 12 months
	Number of Securities in a Loss Position	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
At December 31, 2015
Available-for-Sale Investment Securities
U.S. Treasury securities	1	$	670	$	(6	)	$	—	$	—
Residential mortgage-backed securities - Agency	15	$	486	$	(4	)	$	—	$	—

Schedule of Proceeds, Recognized Gains and Losses and Net Unrealized Gains and Losses

The following table provides information about proceeds from sales, recognized gains and losses and net unrealized gains and losses on available-for-sale securities (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Proceeds from the sales of available-for-sale investment securities	$	—	$	899
Gain on sales of available-for-sale investment securities	$	—	$	8
Net unrealized gain recorded in other comprehensive income, before-tax	$	23	$	—
Net unrealized gain recorded in other comprehensive income, after-tax	$	14	$	—

Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities

Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the table below (dollars in millions):

	One Year or Less		After One Year Through Five Years		After Five Years Through Ten Years		After Ten Years		Total
At March 31, 2016
Available-for-Sale Investment Securities—Amortized Cost
U.S. Treasury securities	$	500	$	677	$	—	$	—	$	1,177
U.S. government agency securities	491		—		—		—		491
Residential mortgage-backed securities - Agency	—		—		359		775		1,134
Total available-for-sale investment securities	$	991	$	677	$	359	$	775	$	2,802
Held-to-Maturity Investment Securities—Amortized Cost
U.S. Treasury securities	$	1	$	—	$	—	$	—	$	1
State and political subdivisions of states	—		—		—		5		5
Residential mortgage-backed securities - Agency	—		—		—		126		126
Total held-to-maturity investment securities	$	1	$	—	$	—	$	131	$	132
Available-for-Sale Investment Securities—Fair Values
U.S. Treasury securities	$	501	$	679	$	—	$	—	$	1,180
U.S. government agency securities	492		—		—		—		492
Residential mortgage-backed securities - Agency	—		—		363		789		1,152
Total available-for-sale investment securities	$	993	$	679	$	363	$	789	$	2,824
Held-to-Maturity Investment Securities—Fair Values
U.S. Treasury securities	$	1	$	—	$	—	$	—	$	1
State and political subdivisions of states	—		—		—		5		5
Residential mortgage-backed securities - Agency	—		—		—		129		129
Total held-to-maturity investment securities	$	1	$	—	$	—	$	134	$	135

Loan Receivables (Tables)

3 Months Ended

Mar. 31, 2016

Loans and Leases Receivable Disclosure [Abstract]

Schedule of Loan Receivables

The Company's classes of receivables within the three portfolio segments are depicted in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Loan receivables
Credit card loans⁽¹⁾	$	55,620		$	57,896
Other loans
Personal loans	5,534			5,490
Private student loans	5,949			5,647
Other	252			236
Total other loans	11,735			11,373
Purchased credit-impaired loans⁽²⁾	2,965			3,116
Total loan receivables	70,320			72,385
Allowance for loan losses	(1,921		)	(1,869		)
Net loan receivables	$	68,399		$	70,516


(1)	Amounts include $20.9 billion and $21.6 billion underlying investors’ interest in trust debt at March 31, 2016 and December 31, 2015 and $6.2 billion and $7.2 billion in seller's interest at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities for further information.


(2)	Amounts include $1.6 billion and $1.7 billion of loans pledged as collateral against the notes issued from the Student Loan Corporation ("SLC") securitization trusts at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities.

Schedule of Delinquent and Non-Accruing Loans

Information related to the delinquent and non-accruing loans in the Company’s loan portfolio is shown below by each class of loan receivables except for PCI student loans, which is shown under the heading “— Purchased Credit-Impaired Loans” (dollars in millions):

	30-89 Days Delinquent		90 or More Days Delinquent		Total Past Due		90 or More Days Delinquent and Accruing		Total Non-accruing⁽¹⁾
At March 31, 2016
Credit card loans⁽²⁾	$	454	$	480	$	934	$	427	$	190
Other loans
Personal loans⁽³⁾	40		14		54		13		6
Private student loans (excluding PCI)⁽⁴⁾	78		36		114		36		—
Other	2		1		3		—		20
Total other loans (excluding PCI)	120		51		171		49		26
Total loan receivables (excluding PCI)	$	574	$	531	$	1,105	$	476	$	216

At December 31, 2015
Credit card loans⁽²⁾	$	505	$	490	$	995	$	422	$	198
Other loans
Personal loans⁽³⁾	34		15		49		13		6
Private student loans (excluding PCI)⁽⁴⁾	84		24		108		25		—
Other	—		1		1		—		20
Total other loans (excluding PCI)	118		40		158		38		26
Total loan receivables (excluding PCI)	$	623	$	530	$	1,153	$	460	$	224

(1)


(2)	Credit card loans that are 90 or more days delinquent and accruing interest include $44 million and $42 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015, respectively.


(3)	Personal loans that are 90 or more days delinquent and accruing interest include $4 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.


(4)	Private student loans that are 90 or more days delinquent and accruing interest include $3 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.

Schedule of Net Charge-offs

Information related to the net charge-offs in the Company's loan portfolio is shown below by each class of loan receivables except for PCI student loans, which is shown under the heading "— Purchased Credit-Impaired Loans" (dollars in millions):

	For the Three Months Ended March 31,
	2016				2015
	Net Charge-offs		Net Charge-off Rate		Net Charge-offs		Net Charge-off Rate
Credit card loans	$	326	2.34	%	$	319	2.40	%
Other loans
Personal loans	34		2.45	%	28		2.22	%
Private student loans (excluding PCI)	12		0.85	%	13		1.03	%
Total other loans (excluding PCI)	46		1.59	%	41		1.58	%
Net charge-offs as a percentage of total loans (excluding PCI)	$	372	2.21	%	$	360	2.26	%
Net charge-offs as a percentage of total loans (including PCI)	$	372	2.11	%	$	360	2.14	%

Schedule of Credit Risk Profile by FICO Score

The following table provides the most recent FICO scores available for the Company’s customers as a percentage of each class of loan receivables:

	Credit Risk Profile by FICO Score
	660 and Above		Less than 660 or No Score
At March 31, 2016
Credit card loans	82	%	18	%
Personal loans	96	%	4	%
Private student loans (excluding PCI)⁽¹⁾	96	%	4	%

At December 31, 2015
Credit card loans	83	%	17	%
Personal loans	96	%	4	%
Private student loans (excluding PCI)⁽¹⁾	96	%	4	%


(1)	PCI loans are discussed under the heading "— Purchased Credit-Impaired Loans."

Schedule of Changes in the Allowance for Loan Losses

The following tables provide changes in the Company’s allowance for loan losses (dollars in millions):

	For the Three Months Ended March 31, 2016
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,554		$	155		$	143		$	17	$	1,869
Additions
Provision for loan losses	362			44			17			1		424
Deductions
Charge-offs	(439		)	(39		)	(15		)	—		(493		)
Recoveries	113			5			3			—		121
Net charge-offs	(326		)	(34		)	(12		)	—		(372		)
Balance at end of period	$	1,590		$	165		$	148		$	18	$	1,921

	For the Three Months Ended March 31, 2015
	Credit Card			Personal Loans			Student Loans⁽¹⁾			Other		Total
Balance at beginning of period	$	1,474		$	120		$	135		$	17	$	1,746
Additions
Provision for loan losses	337			31			20			2		390
Deductions
Charge-offs	(428		)	(31		)	(15		)	—		(474		)
Recoveries	109			3			2			—		114
Net charge-offs	(319		)	(28		)	(13		)	—		(360		)
Balance at end of period	$	1,492		$	123		$	142		$	19	$	1,776


(1)	Includes both PCI and non-PCI private student loans.

Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables

Net charge-offs of principal are recorded against the allowance for loan losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions):

	For the Three Months Ended March 31,
	2016		2015
Interest and fees accrued subsequently charged off, net of recoveries (recorded as a reduction of interest income)	$	69	$	75
Fees accrued subsequently charged off, net of recoveries (recorded as a reduction to other income)	$	17	$	20

Schedule of Allowance for Loan Losses and Recorded Investment in its Loan Portfolio by Impairment Methodology

The following tables provide additional detail of the Company’s allowance for loan losses and recorded investment in its loan portfolio by impairment methodology (dollars in millions):

	Credit Card		Personal Loans		Student Loans⁽³⁾		Other Loans⁽⁴⁾		Total
At March 31, 2016
Allowance for loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	1,430	$	149	$	96	$	1	$	1,676
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	160		16		16		17		209
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		36		—		36
Total allowance for loan losses	$	1,590	$	165	$	148	$	18	$	1,921
Recorded investment in loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	54,600	$	5,464	$	5,896	$	194	$	66,154
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	1,020		70		53		58		1,201
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		2,965		—		2,965
Total recorded investment	$	55,620	$	5,534	$	8,914	$	252	$	70,320

At December 31, 2015
Allowance for loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	1,394	$	140	$	92	$	1	$	1,627
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	160		15		15		16		206
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		36		—		36
Total allowance for loan losses	$	1,554	$	155	$	143	$	17	$	1,869
Recorded investment in loans evaluated for impairment as
Collectively evaluated for impairment in accordance with ASC 450-20	$	56,877	$	5,422	$	5,599	$	179	$	68,077
Evaluated for impairment in accordance with ASC 310-10-35⁽¹⁾⁽²⁾	1,019		68		48		57		1,192
Acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30	—		—		3,116		—		3,116
Total recorded investment	$	57,896	$	5,490	$	8,763	$	236	$	72,385

(1)

(2)


(3)	Includes both PCI and non-PCI private student loans.


(4)	Certain other loans, including non-performing Diners Club licensee loans, are individually evaluated for impairment.

Schedule of Troubled Debt Restructurings

Additional information about modified loans classified as troubled debt restructurings is shown below (dollars in millions):

	Average recorded investment in loans		Interest income recognized during period loans were impaired⁽¹⁾		Gross interest income that would have been recorded with original terms⁽²⁾
For the Three Months Ended March 31, 2016
Credit card loans
Modified credit card loans⁽³⁾	$	274	$	12	$	1
Internal programs	$	464	$	3	$	16
External programs	$	283	$	5	$	3
Personal loans	$	69	$	2	$	1
Private student loans	$	50	$	1	N/A

For the Three Months Ended March 31, 2015
Credit card loans
Modified credit card loans⁽³⁾	$	255	$	11	$	1
Internal programs	$	452	$	3	$	15
External programs	$	323	$	6	$	3
Personal loans	$	57	$	2	$	1
Private student loans	$	40	$	1	N/A


(1)	The Company does not separately track interest income on loans in modification programs. Amounts shown are estimated by applying an average interest rate to the average loans in the various modification programs.

(2)


(3)	This balance is considered impaired, but is excluded from the internal and external program amounts reflected in this table. Represents credit card loans that were modified in troubled debt restructurings, but are no longer enrolled in troubled debt restructuring program due to noncompliance with the terms of the modification or successful completion of a program.

Schedule of Loans That Entered a Modification Program During the Period

The following table provides information on loans that entered a loan modification program during the period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
	Number of Accounts	Balances		Number of Accounts	Balances
Accounts that entered a loan modification program during the period
Credit card loans
Internal programs	14,967	$	96	13,243	$	86
External programs	7,317	$	39	7,617	$	39
Personal loans	1,061	$	12	986	$	12
Private student loans	452	$	8	469	$	7

Schedule of Troubled Debt Restructurings That Subsequently Defaulted

The following table presents the carrying value of loans that experienced a payment default during the period that had been modified in a troubled debt restructuring during the 15 months preceding the end of each period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
	Number of Accounts	Aggregated Outstanding Balances Upon Default		Number of Accounts	Aggregated Outstanding Balances Upon Default
Troubled debt restructurings that subsequently defaulted
Credit card loans
Internal programs⁽¹⁾⁽²⁾	3,001	$	18	3,176	$	20
External programs⁽¹⁾⁽²⁾	1,699	$	7	1,643	$	7
Personal loans⁽²⁾	158	$	2	151	$	2
Private student loans⁽³⁾	197	$	3	305	$	4


(1)	The outstanding balance upon default is the loan balance at the end of the month prior to default. Terms revert back to the pre-modification terms for customers who default from a temporary program and charging privileges remain revoked in most cases.


(2)	A customer defaults from a modification program after two consecutive missed payments.


(3)	Student loan defaults have been defined as loans that are 60 or more days delinquent.

Schedule of Changes in Accretable Yield for the Acquired Loans

The following table provides changes in accretable yield for the acquired loans during each period (dollars in millions):

	For the Three Months Ended March 31,
	2016			2015
Balance at beginning of period	$	965		$	1,341
Accretion into interest income	(49		)	(59		)
Other changes in expected cash flows	—			(101		)
Balance at end of period	$	916		$	1,181

Credit Card and Student Loan Securitization Activities (Tables)

3 Months Ended

Mar. 31, 2016

Variable Interest Entities Disclosure [Abstract]

Schedule of Restricted Credit Card Securitized Assets [Text Block]

The carrying values of these restricted assets, which are presented on the Company’s condensed consolidated statements of financial condition as relating to securitization activities, are shown in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Restricted cash	$	921		$	19

Investors’ interests held by third-party investors	15,725			15,625
Investors’ interests held by wholly-owned subsidiaries of Discover Bank	5,199			6,017
Seller’s interest	6,241			7,231
Loan receivables⁽¹⁾	27,165			28,873
Allowance for loan losses allocated to securitized loan receivables⁽¹⁾	(783		)	(783		)
Net loan receivables	26,382			28,090
Other⁽²⁾	6			5
Carrying value of assets of consolidated variable interest entities	$	27,309		$	28,114


(1)	The Company maintains its allowance for loan losses at an amount sufficient to absorb probable losses inherent in all loan receivables, which includes all loan receivables in the trusts. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company’s balance sheet in accordance with GAAP.


(2)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Schedule of Investors' Interests and Related Excess Spreads

The table below provides information concerning investors’ interests and related excess spread (dollars in millions):

At March 31, 2016	Investors’ Interests⁽¹⁾		Number of Series Outstanding	3-Month Rolling Average Excess Spread
Discover Card Execution Note Trust (DiscoverSeries notes)	$	20,924	36	13.55	%


(1)	Investors’ interests include third-party interests and subordinated interests held by wholly-owned subsidiaries of Discover Bank.

Schedule of Restricted Student Loan Securitized Assets [Text Block]

The carrying values of these restricted assets, which are presented on the Company’s condensed consolidated statements of financial condition as relating to securitization activities, are shown in the table below (dollars in millions):

	March 31, 2016			December 31, 2015
Restricted cash	$	89		$	80

Student loan receivables⁽¹⁾	1,596			1,678
Allowance for loan losses allocated to securitized loan receivables⁽¹⁾	(28		)	(28		)
Net student loan receivables	1,568			1,650
Carrying value of assets of consolidated variable interest entities	$	1,657		$	1,730


(1)	The Company maintains its allowance for loan losses on PCI loans sufficient to absorb probable decreases in cash flows that were previously expected. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company's balance sheet in accordance with GAAP.

Deposits (Tables)

3 Months Ended

Mar. 31, 2016

Deposits [Abstract]

Schedule of Interest Bearing Deposit Accounts

The following table provides a summary of interest-bearing deposit accounts (dollars in millions):

	March 31, 2016		December 31, 2015
Certificates of deposit in amounts less than $100,000⁽¹⁾	$	19,728	$	20,491
Certificates of deposit in amounts $100,000 or greater⁽²⁾	5,516		5,228
Savings deposits, including money market deposit accounts	22,811		21,375
Total interest-bearing deposits⁽¹⁾	$	48,055	$	47,094


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.


(2)	Includes $1.2 billion and $1.1 billion in certificates of deposit greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of March 31, 2016 and December 31, 2015, respectively.

Schedule of $100,000 or More Certificates of Deposit Maturities

The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):

Maturity Period	March 31, 2016
Three months or less	$	530
Over three months through six months	742
Over six months through twelve months	1,536
Over twelve months	2,708
Total	$	5,516

Schedule of Certificates of Deposit Maturities

The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

Year	March 31, 2016
2016	$	8,335
2017	6,792
2018	3,607
2019	1,966
2020	1,938
Thereafter	2,606
Total	$	25,244

Long-Term Borrowings (Tables)

3 Months Ended

Mar. 31, 2016

Debt Disclosure [Abstract]

Schedule of Long-Term Borrowings and Weighted Average Interest Rates

Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company’s long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):

	March 31, 2016					December 31, 2015
	Maturity	Interest Rate	Weighted-Average Interest Rate	Outstanding Amount		Outstanding Amount
Securitized Debt
Fixed-rate asset-backed securities⁽¹⁾⁽⁸⁾	2016 - 2020	1.04% - 5.65%	2.05%	$	9,268	$	9,152
Floating-rate asset-backed securities^(2)(3)(8)	2016 - 2019	0.62% - 0.89%	0.79%	6,441		6,440
Total Discover Card Master Trust I and Discover Card Execution Note Trust⁽⁸⁾				15,709		15,592

Floating-rate asset-backed securities^(4)(5)(6)(7)	2031 - 2042	0.79% - 4.25%	2.21%	1,070		1,143
Total SLC Private Student Loan Trusts				1,070		1,143
Total long-term borrowings - owed to securitization investors⁽⁸⁾				16,779		16,735

Discover Financial Services (Parent Company)
Fixed-rate senior notes⁽¹⁾⁽⁸⁾	2017 - 2025	3.75%-10.25%	4.75%	2,073		2,066
Fixed-rate retail notes⁽⁸⁾	2021 - 2028	3.00% - 4.40%	3.94%	77		39

Discover Bank
Fixed-rate senior bank notes⁽¹⁾⁽⁸⁾	2018 - 2026	2.00% - 4.25%	3.16%	5,128		5,115
Fixed-rate subordinated bank notes⁽⁸⁾	2019 - 2020	7.00% - 8.70%	7.49%	695		695
Total long-term borrowings⁽⁸⁾				$	24,752	$	24,650


(1)	The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in London Interbank Offered Rate (“LIBOR”). Use of these interest rate swaps impacts carrying value of the debt.


(2)	Discover Card Execution Note Trust floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 18 to 45 basis points and 3-month LIBOR + 20 basis points as of March 31, 2016.


(3)	The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest payments on a portion of these long-term borrowings. There is no impact on debt carrying value from use of these interest rate swaps. See Note 15: Derivatives and Hedging Activities.


(4)	SLC Private Student Loan Trusts floating-rate asset-backed securities include issuances with the following interest rate terms: 3-month LIBOR + 17 to 45 basis points, Prime rate + 75 to 100 basis points and 1-month LIBOR + 350 basis points as of March 31, 2016.


(5)	The Company acquired an interest rate swap related to the securitized debt assumed in the SLC transaction. The swap does not qualify for hedge accounting and has no impact on debt carrying value. See Note 15: Derivatives and Hedging Activities.


(6)	Repayment of this debt is dependent upon the timing of principal and interest payments on the underlying student loans. The dates shown represent final maturity dates.


(7)	Includes $302 million of senior notes maturing in 2031, $621 million of senior and subordinated notes maturing in 2036 and $147 million of senior notes maturing in 2042 as of March 31, 2016.


(8)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Schedule of Long-Term Borrowings Maturities

The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

Year	March 31, 2016
2016	$	2,150
2017	5,099
2018	5,273
2019	4,270
2020	3,094
Thereafter	4,866
Total	$	24,752

Accumulated Other Comprehensive Income (Tables)

3 Months Ended

Mar. 31, 2016

Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]

Schedule of Changes in Accumulated Other Comprehensive Income (Loss)

Changes in each component of accumulated other comprehensive income (loss) ("AOCI") were as follows (dollars in millions):

	Unrealized Gain on Available-for-Sale Investment Securities, Net of Tax		Loss on Cash Flow Hedges, Net of Tax			Pension Plan Loss, Net of Tax			AOCI
For the Three Months Ended March 31, 2016
Balance at December 31, 2015	$	—	$	(20	)	$	(140	)	$	(160	)
Net change	14		(26		)	—			(12		)
Balance at March 31, 2016	$	14	$	(46	)	$	(140	)	$	(172	)

For the Three Months Ended March 31, 2015
Balance at December 31, 2014	$	23	$	(7	)	$	(154	)	$	(138	)
Net change	—		(23		)	—			(23		)
Balance at March 31, 2015	$	23	$	(30	)	$	(154	)	$	(161	)

Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI

The table below presents each component of other comprehensive income (loss) ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):

	Before Tax			Tax (Expense) Benefit			Net of Tax
For the Three Months Ended March 31, 2016
Available-for-Sale Investment Securities
Net unrealized holding gain arising during the period	$	23		$	(9	)	$	14
Amounts reclassified from AOCI	—			—			—
Net change	$	23		$	(9	)	$	14
Cash Flow Hedges
Net unrealized loss arising during the period	$	(52	)	$	21		$	(31	)
Amounts reclassified from AOCI	9			(4		)	5
Net change	$	(43	)	$	17		$	(26	)

For the Three Months Ended March 31, 2015
Available-for-Sale Investment Securities
Net unrealized holding gain arising during the period	$	8		$	(3	)	$	5
Amounts reclassified from AOCI	(8		)	3			(5		)
Net change	$	—		$	—		$	—
Cash Flow Hedges
Net unrealized loss arising during the period	$	(47	)	$	17		$	(30	)
Amounts reclassified from AOCI	12			(5		)	7
Net change	$	(35	)	$	12		$	(23	)

Income Taxes (Tables)

3 Months Ended

Mar. 31, 2016

Income Tax Disclosure [Abstract]

Schedule of Effective Income Tax Rate Calculation

The following table presents the calculation of the Company's effective income tax rate (dollars in millions, except effective income tax rate):

	For the Three Months Ended March 31,
	2016			2015
Income before income tax expense	$	914		$	908
Income tax expense	$	339		$	322
Effective income tax rate	37.1		%	35.5		%

Earnings Per Share (Tables)

3 Months Ended

Mar. 31, 2016

Earnings Per Share [Abstract]

Schedule of Basic and Diluted EPS

The following table presents the calculation of basic and diluted earnings per share ("EPS") (in millions, except per share amounts):

	For the Three Months Ended March 31,
	2016			2015
Numerator
Net income	$	575		$	586
Preferred stock dividends	(9		)	(9		)
Net income available to common stockholders	566			577
Income allocated to participating securities	(4		)	(4		)
Net income allocated to common stockholders	$	562		$	573
Denominator
Weighted-average shares of common stock outstanding	417			448
Basic earnings per common share	$	1.35		$	1.28
Diluted earnings per common share	$	1.35		$	1.28

Capital Adequacy (Tables)

3 Months Ended

Mar. 31, 2016

Regulatory Capital Requirements [Abstract]

Schedule of Minimum and Well-Capitalized Requirements

The following table shows the actual capital amounts and ratios of the Company and Discover Bank and comparisons of each to the regulatory minimum and “well-capitalized” requirements (dollars in millions):

	Actual				Minimum Capital Requirements			Capital Requirements To Be Classified as Well-Capitalized
	Amount		Ratio		Amount		Ratio	Amount		Ratio
March 31, 2016
Total capital (to risk-weighted assets)
Discover Financial Services	$	12,463	16.8	%	$	5,936	≥8.0%	$	7,421	≥10.0%
Discover Bank	$	12,008	16.4	%	$	5,876	≥8.0%	$	7,345	≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services	$	11,153	15.0	%	$	4,452	≥6.0%	$	5,936	≥8.0%
Discover Bank	$	10,061	13.7	%	$	4,407	≥6.0%	$	5,876	≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services	$	11,153	12.8	%	$	3,493	≥4.0%	$	4,366	≥5.0%
Discover Bank	$	10,061	11.6	%	$	3,459	≥4.0%	$	4,323	≥5.0%
CET1 capital (to risk-weighted assets) (Basel III transition)
Discover Financial Services	$	10,593	14.3	%	$	3,339	≥4.5%	$	4,823	≥6.5%
Discover Bank	$	10,061	13.7	%	$	3,305	≥4.5%	$	4,774	≥6.5%

December 31, 2015⁽¹⁾
Total capital (to risk-weighted assets)
Discover Financial Services	$	12,497	16.5	%	$	6,052	≥8.0%	$	7,565	≥10.0%
Discover Bank	$	11,905	15.9	%	$	5,991	≥8.0%	$	7,488	≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services	$	11,126	14.7	%	$	4,539	≥6.0%	$	6,052	≥8.0%
Discover Bank	$	9,941	13.3	%	$	4,493	≥6.0%	$	5,991	≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services	$	11,126	12.9	%	$	3,446	≥4.0%	$	4,307	≥5.0%
Discover Bank	$	9,941	11.7	%	$	3,410	≥4.0%	$	4,263	≥5.0%
CET1 capital (to risk-weighted assets) (Basel III transition)
Discover Financial Services	$	10,566	14.0	%	$	3,404	≥4.5%	$	4,917	≥6.5%
Discover Bank	$	9,941	13.3	%	$	3,370	≥4.5%	$	4,867	≥6.5%


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Commitments, Contingencies and Guarantees (Tables)

3 Months Ended

Mar. 31, 2016

Guarantor Obligations [Line Items]

Schedule of Lease Commitments

The Company leases various office space and equipment under capital and non-cancelable operating leases, which expire at various dates through 2028. Future minimum payments on capital leases were not material at March 31, 2016. The following table shows future minimum payments on non-cancelable operating leases with original terms in excess of one year (dollars in millions):

	March 31, 2016
2016	$	11
2017	12
2018	11
2019	9
2020	7
Thereafter	34
Total minimum lease payments	$	84

Schedule of Settlement Withholdings and Escrow Deposits

The table below provides information regarding escrow deposits and settlement withholdings, which are recorded in interest-bearing deposit accounts and accrued expenses and other liabilities on the Company’s condensed consolidated statements of financial condition, respectively (dollars in millions):

	March 31, 2016		December 31, 2015
Settlement withholdings and escrow deposits	$	6	$	7

Counterparty Settlement Guarantees [Member]

Guarantor Obligations [Line Items]

Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee

While the Company has some contractual remedies to offset these counterparty settlement exposures (such as letters of credit or pledged deposits), in the event that all licensees and/or issuers were to become unable to settle their transactions, the Company estimates its maximum potential counterparty exposures to these settlement guarantees, based on historical transaction volume, would be as follows (dollars in millions):

	March 31, 2016
Diners Club:
Merchant guarantee	$	142
PULSE:
ATM guarantee	$	1

Merchant Chargeback Guarantees [Member]

Guarantor Obligations [Line Items]

Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee

The table below summarizes certain information regarding merchant chargeback guarantees (in millions):

	For the Three Months Ended March 31,
	2016		2015
Aggregate sales transaction volume⁽¹⁾	$	31,281	$	29,498


(1)	Represents period transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.

Fair Value Measurements and Disclosures (Tables)

3 Months Ended

Mar. 31, 2016

Fair Value Disclosures [Abstract]

Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis

Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):

	Quoted Price in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Balance at March 31, 2016
Assets
U.S. Treasury securities	$	1,180	$	—	$	—	$	1,180
U.S. government agency securities	492		—		—		492
Residential mortgage-backed securities - Agency	—		1,152		—		1,152
Available-for-sale investment securities	$	1,672	$	1,152	$	—	$	2,824

Derivative financial instruments	$	—	$	58	$	—	$	58

Liabilities
Derivative financial instruments	$	—	$	78	$	—	$	78

Balance at December 31, 2015
Assets
U.S. Treasury securities	$	1,272	$	—	$	—	$	1,272
U.S. government agency securities	494		—		—		494
Residential mortgage-backed securities - Agency	—		1,197		—		1,197
Available-for-sale investment securities	$	1,766	$	1,197	$	—	$	2,963

Derivative financial instruments	$	—	$	22	$	—	$	22

Liabilities
Derivative financial instruments	$	—	$	38	$	—	$	38

Schedule of Financial Instruments Measured at Other Than Fair Value

The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total		Carrying Value
Balance at March 31, 2016
Assets
U.S Treasury securities	$	1	$	—	$	—	$	1	$	1
States and political subdivisions of states	—		5		—		5		5
Residential mortgage-backed securities - Agency	—		129		—		129		126
Held-to-maturity investment securities	$	1	$	134	$	—	$	135	$	132

Cash and cash equivalents	$	12,135	$	—	$	—	$	12,135	$	12,135
Restricted cash	$	1,010	$	—	$	—	$	1,010	$	1,010
Net loan receivables	$	—	$	—	$	69,473	$	69,473	$	68,399
Accrued interest receivables	$	—	$	666	$	—	$	666	$	666

Liabilities
Deposits	$	—	$	48,775	$	—	$	48,775	$	48,465
Long-term borrowings - owed to securitization investors	$	—	$	15,849	$	1,131	$	16,980	$	16,779
Other long-term borrowings	$	—	$	8,444	$	—	$	8,444	$	7,973
Accrued interest payables	$	—	$	172	$	—	$	172	$	172

Balance at December 31, 2015
Assets
U.S Treasury securities	$	1	$	—	$	—	$	1	$	1
States and political subdivisions of states	—		7		—		7		7
Residential mortgage-backed securities - Agency	—		114		—		114		113
Held-to-maturity investment securities	$	1	$	121	$	—	$	122	$	121

Cash and cash equivalents	$	9,572	$	—	$	—	$	9,572	$	9,572
Restricted cash	$	99	$	—	$	—	$	99	$	99
Net loan receivables	$	—	$	—	$	71,455	$	71,455	$	70,516
Accrued interest receivables	$	—	$	660	$	—	$	660	$	660

Liabilities
Deposits⁽¹⁾	$	—	$	47,714	$	—	$	47,714	$	47,531
Long-term borrowings - owed to securitization investors⁽¹⁾	$	—	$	15,634	$	1,220	$	16,854	$	16,735
Other long-term borrowings⁽¹⁾	$	—	$	8,355	$	—	$	8,355	$	7,915
Accrued interest payables	$	—	$	158	$	—	$	158	$	158


(1)	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Derivatives and Hedging Activities (Tables)

3 Months Ended

Mar. 31, 2016

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances

The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):

	March 31, 2016									December 31, 2015
	Notional Amount		Number of Outstanding Derivative Contracts	Derivative Assets			Derivative Liabilities			Notional Amount		Derivative Assets			Derivative Liabilities
Derivatives designated as hedges
Interest rate swaps—cash flow hedge	$	4,100	8	$	—		$	78		$	4,100	$	—		$	35
Interest rate swaps—fair value hedge	$	4,854	105	58			—			$	4,110	22			3
Derivatives not designated as hedges
Foreign exchange forward contracts⁽¹⁾	$	32	6	—			—			$	32	—			—
Interest rate swap⁽²⁾	$	198	1	—			—			$	217	—			—
Total gross derivative assets/liabilities⁽³⁾				58			78					22			38
Less: Collateral held/posted⁽⁴⁾				(21		)	(63		)			(8		)	(33		)
Total net derivative assets/liabilities				$	37		$	15				$	14		$	5


(1)	The foreign exchange forward contracts have notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of March 31, 2016, and notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of December 31, 2015.


(2)	Interest rate swaps not designated as hedges do not have associated master netting arrangements.

(3)


(4)	Collateral amounts, which consist of both cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.

Schedule of Impact of the Derivative Instruments on Income and Other Comprehensive Income

The following tables summarize the impact of the derivative instruments on income and OCI and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):

		Amount of Loss Recognized in OCI
		For the Three Months Ended March 31,
	Location	2016			2015
Derivatives designated as hedges
Interest rate swaps - cash flow/net investment hedges
Total loss recognized in OCI after amounts reclassified into earnings, pre-tax	OCI	$	(43	)	$	(35	)
Total loss recognized in OCI		$	(43	)	$	(35	)


		Amount of (Loss) Gain Recognized in Income
		For the Three Months Ended March 31,
	Location	2016			2015
Derivatives designated as hedges
Interest rate swaps - cash flow hedges
Amount reclassified from OCI into income	Interest Expense	$	(9	)	$	(12	)
Total amount reclassified from OCI into income		(9		)	(12		)

Interest rate swaps - fair value hedges
Adjustments - ineffectiveness		31			5
Adjustments - other		9			8
Gain on interest rate swaps	Interest Expense	40			13

Adjustments - ineffectiveness		(29		)	(3		)
Adjustments - other		(2		)	(1		)
Loss on hedged item	Interest Expense	(31		)	(4		)

Total loss on derivatives designated as hedges recognized in income		$	—		$	(3	)

Derivatives not designated as hedges
Total (loss) gain on derivatives not designated as hedges recognized in income⁽¹⁾	Other Income	$	(1	)	$	49


(1)	Amount as of March 31, 2015 includes $2 million gain on forward delivery contracts and $44 million gain on interest rate lock commitments related to the mortgage loan business that was closed during 2015. See Note 2: Business Dispositions.

Segment Disclosures (Tables)

3 Months Ended

Mar. 31, 2016

Segment Reporting [Abstract]

Schedule of Segment Disclosures

The following table presents segment data (dollars in millions):

	Direct Banking		Payment Services		Total
For the Three Months Ended March 31, 2016
Interest income
Credit card loans	$	1,733	$	—	$	1,733
Private student loans	107		—		107
PCI student loans	49		—		49
Personal loans	167		—		167
Other	28		—		28
Total interest income	2,084		—		2,084
Interest expense	334		—		334
Net interest income	1,750		—		1,750
Provision for loan losses	423		1		424
Other income	406		68		474
Other expense	851		35		886
Income before income tax expense	$	882	$	32	$	914

For the Three Months Ended March 31, 2015
Interest income
Credit card loans	$	1,606	$	—	$	1,606
Private student loans	90		—		90
PCI student loans	60		—		60
Personal loans	152		—		152
Other	21		—		21
Total interest income	1,929		—		1,929
Interest expense	300		—		300
Net interest income	1,629		—		1,629
Provision for loan losses	388		2		390
Other income	468		74		542
Other expense	828		45		873
Income before income tax expense	$	881	$	27	$	908

Background and Basis of Presentation (Narrative) (Details) - Accounting Standards Update 2015-03 [Member] $ in Millions	12 Months Ended
	Dec. 31, 2015 USD ($)
Other Assets [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Issuance Cost	$ (137)
Long-term Debt [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Issuance Cost	74
Deposits [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Issuance Cost	$ 63

Investments (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended
Investments (Narrative) (Details) - USD ($) $ in Millions	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Investment Holdings [Line Items]
Other than temporary impairment loss on investments	$ 0	$ 0
Affordable housing project equity method investments	233		$ 238
Contingent liabilities related to affordable housing project equity method investments	56		57
Community Reinvestment Act [Member] \| Other Assets [Member]
Investment Holdings [Line Items]
Equity method investments	315		328
Community Reinvestment Act [Member] \| Other Liabilities [Member]
Investment Holdings [Line Items]
Contingent liabilities related to equity method investments	$ 56		$ 57

Investments (Schedule of Investment Securities) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Investment Holdings [Line Items]

Investment securities

$ 2,956

$ 3,084

U.S. Treasury Securities [Member]

Investment Holdings [Line Items]

Investment securities

^[1]

1,181

1,273

Derivative collateral

U.S. Government Agency Securities [Member]

Investment Holdings [Line Items]

Investment securities

492

494

States and Political Subdivisions of States [Member]

Investment Holdings [Line Items]

Investment securities

Residential Mortgage-Backed Securities - Agency [Member]

Investment Holdings [Line Items]

Investment securities

^[2]

$ 1,278

$ 1,310

[1]	Includes $20 million and $7 million of U.S. Treasury securities pledged as swap collateral in lieu of cash as of March 31, 2016 and December 31, 2015, respectively.
[2]	Consists of residential mortgage-backed securities issued by Fannie Mae, Freddie Mac and Ginnie Mae.

Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Investment Holdings [Line Items]

Available-for-sale investment securities, amortized cost

^[1]

$ 2,802

$ 2,964

Available-for-sale investment securities, gross unrealized gains

^[1]

Available-for-sale investment securities, gross unrealized losses

^[1]

(10)

Available-for-sale investment securities, fair value

^[1]

2,824

2,963

Held-to-maturity investment securities, amortized cost

^[2]

132

121

Held-to-maturity investment securities, gross unrealized gains

^[2]

Held-to-maturity investment securities, gross unrealized losses

^[2]

Held-to-maturity investment securities, fair value

^[2]

135

122

U.S. Treasury Securities [Member]

Investment Holdings [Line Items]

Available-for-sale investment securities, amortized cost

^[1]

1,177

1,277

Available-for-sale investment securities, gross unrealized gains

^[1]

Available-for-sale investment securities, gross unrealized losses

^[1]

(6)

Available-for-sale investment securities, fair value

^[1]

1,180

1,272

Held-to-maturity investment securities, amortized cost

^[2],[3]

Held-to-maturity investment securities, gross unrealized gains

^[2],[3]

Held-to-maturity investment securities, gross unrealized losses

^[2],[3]

Held-to-maturity investment securities, fair value

^[2],[3]

U.S. Government Agency Securities [Member]

Investment Holdings [Line Items]

Available-for-sale investment securities, amortized cost

^[1]

491

492

Available-for-sale investment securities, gross unrealized gains

^[1]

Available-for-sale investment securities, gross unrealized losses

^[1]

Available-for-sale investment securities, fair value

^[1]

492

494

Residential Mortgage-Backed Securities - Agency [Member]

Investment Holdings [Line Items]

Available-for-sale investment securities, amortized cost

^[1]

1,134

1,195

Available-for-sale investment securities, gross unrealized gains

^[1]

Available-for-sale investment securities, gross unrealized losses

^[1]

(4)

Available-for-sale investment securities, fair value

^[1]

1,152

1,197

Held-to-maturity investment securities, amortized cost

^[2],[4]

126

113

Held-to-maturity investment securities, gross unrealized gains

^[2],[4]

Held-to-maturity investment securities, gross unrealized losses

^[2],[4]

Held-to-maturity investment securities, fair value

^[2],[4]

129

114

States and Political Subdivisions of States [Member]

Investment Holdings [Line Items]

Held-to-maturity investment securities, amortized cost

^[2]

Held-to-maturity investment securities, gross unrealized gains

^[2]

Held-to-maturity investment securities, gross unrealized losses

^[2]

Held-to-maturity investment securities, fair value

^[2]

$ 5

$ 7

[1]	Available-for-sale investment securities are reported at fair value.
[2]	Held-to-maturity investment securities are reported at amortized cost.
[3]	Amount represents securities pledged as collateral to a government-related merchant for which transaction settlement occurs beyond the normal 24-hour period.
[4]	Amounts represent residential mortgage-backed securities that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.

Investments (Schedule of Fair Value of Securities in a Continuous Unrealized Loss Position for Less Than 12 Months and More Than 12 Months) (Details) $ in Millions	Dec. 31, 2015 USD ($) securities
U.S. Treasury Securities [Member]
Investment Holdings [Line Items]
Available-for-sale investment securities, number of securities in a loss position (in securities) \| securities	1
Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, fair value	$ 670
Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, unrealized losses	(6)
Available-for-sale investment securities, continuous unrealized loss position, more than 12 months, fair value	0
Available-for-sale investment securities, continuous unrealized loss position, more than 12 months, unrealized losses	$ 0
Residential Mortgage-Backed Securities - Agency [Member]
Investment Holdings [Line Items]
Available-for-sale investment securities, number of securities in a loss position (in securities) \| securities	15
Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, fair value	$ 486
Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, unrealized losses	(4)
Available-for-sale investment securities, continuous unrealized loss position, more than 12 months, fair value	0
Available-for-sale investment securities, continuous unrealized loss position, more than 12 months, unrealized losses	$ 0

Investments (Schedule of Proceeds, Recognized Gains and Losses and Net Unrealized Gains and Losses) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Proceeds from the sales of available-for-sale investment securities	$ 0	$ 899
Gain on sales of available-for-sale investment securities	0	8
Net unrealized gain recorded in other comprehensive income, before-tax	23	0
Net unrealized gain recorded in other comprehensive income, after-tax	$ 14	$ 0

Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Investment Holdings [Line Items]

Available-for-sale investment securities, debt maturities, one year or less, amortized cost

$ 991

Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost

677

Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost

359

Available-for-sale investment securities, debt maturities, after ten years, amortized cost

775

Available-for-sale investment securities, amortized cost

^[1]

2,802

$ 2,964

Held-to-maturity investment securities, debt maturities, one year or less, amortized cost

Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost

Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost

Held-to-maturity investment securities, debt maturities, after ten years, amortized cost

131

Held-to-maturity investment securities, amortized cost

^[2]

132

121

Available-for-sale investment securities, debt maturities, one year or less, fair value

993

Available-for-sale investment securities, debt maturities, after one year through five years, fair value

679

Available-for-sale investment securities, debt maturities, after five years through ten years, fair value

363

Available-for-sale investment securities, debt maturities, after ten years, fair value

789

Available-for-sale investment securities, fair value

^[1]

2,824

2,963

Held-to-maturity investment securities, debt maturities, one year or less, fair value

Held-to-maturity investment securities, debt maturities, after one year through five years, fair value

Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value

Held-to-maturity investment securities, debt maturities, after ten years, fair value

134

Held-to-maturity investment securities, fair value

^[2]

135

122

U.S. Treasury Securities [Member]

Investment Holdings [Line Items]

Available-for-sale investment securities, debt maturities, one year or less, amortized cost

500

Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost

677

Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost

Available-for-sale investment securities, debt maturities, after ten years, amortized cost

Available-for-sale investment securities, amortized cost

^[1]

1,177

1,277

Held-to-maturity investment securities, debt maturities, one year or less, amortized cost

Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost

Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost

Held-to-maturity investment securities, debt maturities, after ten years, amortized cost

Held-to-maturity investment securities, amortized cost

^[2],[3]

Available-for-sale investment securities, debt maturities, one year or less, fair value

501

Available-for-sale investment securities, debt maturities, after one year through five years, fair value

679

Available-for-sale investment securities, debt maturities, after five years through ten years, fair value

Available-for-sale investment securities, debt maturities, after ten years, fair value

Available-for-sale investment securities, fair value

^[1]

1,180

1,272

Held-to-maturity investment securities, debt maturities, one year or less, fair value

Held-to-maturity investment securities, debt maturities, after one year through five years, fair value

Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value

Held-to-maturity investment securities, debt maturities, after ten years, fair value

Held-to-maturity investment securities, fair value

^[2],[3]

U.S. Government Agency Securities [Member]

Investment Holdings [Line Items]

Available-for-sale investment securities, debt maturities, one year or less, amortized cost

491

Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost

Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost

Available-for-sale investment securities, debt maturities, after ten years, amortized cost

Available-for-sale investment securities, amortized cost

^[1]

491

492

Available-for-sale investment securities, debt maturities, one year or less, fair value

492

Available-for-sale investment securities, debt maturities, after one year through five years, fair value

Available-for-sale investment securities, debt maturities, after five years through ten years, fair value

Available-for-sale investment securities, debt maturities, after ten years, fair value

Available-for-sale investment securities, fair value

^[1]

492

494

Residential Mortgage-Backed Securities - Agency [Member]

Investment Holdings [Line Items]

Available-for-sale investment securities, debt maturities, one year or less, amortized cost

Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost

Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost

359

Available-for-sale investment securities, debt maturities, after ten years, amortized cost

775

Available-for-sale investment securities, amortized cost

^[1]

1,134

1,195

Held-to-maturity investment securities, debt maturities, one year or less, amortized cost

Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost

Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost

Held-to-maturity investment securities, debt maturities, after ten years, amortized cost

126

Held-to-maturity investment securities, amortized cost

^[2],[4]

126

113

Available-for-sale investment securities, debt maturities, one year or less, fair value

Available-for-sale investment securities, debt maturities, after one year through five years, fair value

Available-for-sale investment securities, debt maturities, after five years through ten years, fair value

363

Available-for-sale investment securities, debt maturities, after ten years, fair value

789

Available-for-sale investment securities, fair value

^[1]

1,152

1,197

Held-to-maturity investment securities, debt maturities, one year or less, fair value

Held-to-maturity investment securities, debt maturities, after one year through five years, fair value

Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value

Held-to-maturity investment securities, debt maturities, after ten years, fair value

129

Held-to-maturity investment securities, fair value

^[2],[4]

129

114

States and Political Subdivisions of States [Member]

Investment Holdings [Line Items]

Held-to-maturity investment securities, debt maturities, one year or less, amortized cost

Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost

Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost

Held-to-maturity investment securities, debt maturities, after ten years, amortized cost

Held-to-maturity investment securities, amortized cost

^[2]

Held-to-maturity investment securities, debt maturities, one year or less, fair value

Held-to-maturity investment securities, debt maturities, after one year through five years, fair value

Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value

Held-to-maturity investment securities, debt maturities, after ten years, fair value

Held-to-maturity investment securities, fair value

^[2]

$ 5

$ 7

[1]	Available-for-sale investment securities are reported at fair value.
[2]	Held-to-maturity investment securities are reported at amortized cost.
[3]	Amount represents securities pledged as collateral to a government-related merchant for which transaction settlement occurs beyond the normal 24-hour period.
[4]	Amounts represent residential mortgage-backed securities that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.

Loan Receivables (Narrative) (Details)
$ in Millions

3 Months Ended

12 Months Ended

Mar. 31, 2016

USD ($)

segment

Mar. 31, 2015

USD ($)

Dec. 31, 2015

USD ($)

Dec. 31, 2014

USD ($)

Accounts, Notes, Loans and Financing Receivable [Line Items]

Number of loan portfolio segments (in segments) | segment

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

$ 476

$ 460

Private student loan forbearance lifetime cap (in months)

12 months

Private student loans including PCI in forbearance

$ 31

Private student loans in forbearance as a percentage of student loans in repayment and forbearance (in percent)

0.50%

Percentage of defaulted loans that were charged off at the end of the month in which they defaulted (in percent)

37.00%

43.00%

Provision for loan losses on PCI loans

$ 424

$ 390

Allowance for loan losses on PCI loans

$ 1,921

$ 1,776

$ 1,869

$ 1,746

Net charge-off rate on PCI student loans (in percent)

2.11%

2.14%

Student Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Maximum period of payment reduction for the temporary reduced payment program (in months)

12 months

Maximum forbearance period for student loan borrowers (in months)

12 months

Period triggering TDR accounting for the temporary reduced payment program (in months)

12 months

Provision for loan losses on PCI loans

^[1]

$ 17

$ 20

Allowance for loan losses on PCI loans

^[1]

$ 148

^[2]

142

143

^[2]

135

Personal Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Maximum period of payment reduction for the temporary reduced payment program (in months)

12 months

Maximum repayment term for temporary modification programs (in years)

9 years

Maximum repayment term for permanent modification programs (in years)

9 years

Total Other Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

$ 49

Total Other Loans [Member] | Personal Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

^[3]

Provision for loan losses on PCI loans

Allowance for loan losses on PCI loans

165

123

155

120

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

^[4]

Credit Card Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

^[5]

$ 427

422

Maximum period of payment reduction for the temporary reduced payment program (in months)

12 months

Permanent workout program maturity (in months)

60 months

Interest and fees forgiven due to credit card loan modification program

$ 9

Provision for loan losses on PCI loans

362

337

Allowance for loan losses on PCI loans

1,590

1,492

1,554

$ 1,474

PCI Student Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Purchased credit-impaired loans outstanding balance

3,200

3,300

Purchased credit-impaired loans

^[6]

2,965

3,116

Provision for loan losses on PCI loans

$ 0

Allowance for loan losses on PCI loans

$ 36

Threshold Period Past Due for Write-off of Financing Receivable

120 days

Net charge-off rate on PCI student loans (in percent)

0.43%

0.50%

PCI Student Loans [Member] | 30 or More Days Delinquent [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Delinquency rate on PCI student loans (in percent)

2.18%

2.53%

PCI Student Loans [Member] | 90 or More Days Delinquent [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Delinquency rate on PCI student loans (in percent)

0.73%

0.88%

Entity Loan Modification Program [Member] | Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

$ 3

Internal And External Loan Modification Programs [Member] | Total Other Loans [Member] | Personal Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

Internal And External Loan Modification Programs [Member] | Credit Card Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing

$ 44

$ 42

[1]	Includes both PCI and non-PCI private student loans.
[2]	Includes both PCI and non-PCI private student loans.
[3]	Personal loans that are 90 or more days delinquent and accruing interest include $4 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.
[4]	Private student loans that are 90 or more days delinquent and accruing interest include $3 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.
[5]	Credit card loans that are 90 or more days delinquent and accruing interest include $44 million and $42 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015, respectively.
[6]	Amounts include $1.6 billion and $1.7 billion of loans pledged as collateral against the notes issued from the Student Loan Corporation ("SLC") securitization trusts at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities.

Loan Receivables (Schedule of Loan Receivables) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Mar. 31, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loan receivables

$ 70,320

$ 72,385

Allowance for loan losses

(1,921)

(1,869)

$ (1,776)

$ (1,746)

Net loan receivables

68,399

70,516

Variable Interest Entity, Primary Beneficiary [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loan receivables

28,761

30,551

Allowance for loan losses

(811)

Credit Card Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Credit card loans

^[1]

27,165

28,873

Allowance for loan losses

^[1]

(783)

Sellers' interest

6,241

7,231

Student Loan Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Purchased credit-impaired loans

^[2]

1,596

1,678

Allowance for loan losses

^[2]

(28)

Credit Card Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Credit card loans

^[3]

55,620

57,896

Allowance for loan losses

(1,590)

(1,554)

(1,492)

(1,474)

Credit Card Loans [Member] | Credit Card Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Investors' interest

20,900

21,600

Total Other Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total other loans

11,735

11,373

Total Other Loans [Member] | Personal Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total other loans

5,534

5,490

Allowance for loan losses

(165)

(155)

(123)

(120)

Total Other Loans [Member] | Private Student Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total other loans

5,949

5,647

Total Other Loans [Member] | Other Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total other loans

252

236

Allowance for loan losses

(18)

^[4]

(17)

^[4]

$ (19)

$ (17)

Purchase Credit-Impaired Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Purchased credit-impaired loans

^[5]

2,965

3,116

Allowance for loan losses

(36)

Purchase Credit-Impaired Loans [Member] | Student Loan Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans pledged as collateral

$ 1,600

$ 1,700

[1]	The Company maintains its allowance for loan losses at an amount sufficient to absorb probable losses inherent in all loan receivables, which includes all loan receivables in the trusts. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company’s balance sheet in accordance with GAAP.
[2]	The Company maintains its allowance for loan losses on PCI loans sufficient to absorb probable decreases in cash flows that were previously expected. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company's balance sheet in accordance with GAAP.
[3]	Amounts include $20.9 billion and $21.6 billion underlying investors’ interest in trust debt at March 31, 2016 and December 31, 2015 and $6.2 billion and $7.2 billion in seller's interest at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities for further information.
[4]	Certain other loans, including non-performing Diners Club licensee loans, are individually evaluated for impairment.
[5]	Amounts include $1.6 billion and $1.7 billion of loans pledged as collateral against the notes issued from the Student Loan Corporation ("SLC") securitization trusts at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities.

Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Dec. 31, 2015

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

$ 1,105

$ 1,153

Loan receivables, 90 or more days delinquent and accruing

476

460

Loan receivables, total non-accruing

216

224

30-89 Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

574

623

90 or More Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

531

530

Credit Card Loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

934

995

Loan receivables, 90 or more days delinquent and accruing

^[1]

427

422

Loan receivables, total non-accruing

^[2]

190

198

Estimated gross interest income that would have been recorded based on original terms

$ 7

Credit Card Loans [Member] | Internal And External Loan Modification Programs [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, 90 or more days delinquent and accruing

Credit Card Loans [Member] | 30-89 Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

454

505

Credit Card Loans [Member] | 90 or More Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

480

490

Total Other Loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

171

158

Loan receivables, 90 or more days delinquent and accruing

Loan receivables, total non-accruing

Total Other Loans [Member] | 30-89 Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

120

118

Total Other Loans [Member] | 90 or More Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Total Other Loans [Member] | Personal Loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Loan receivables, 90 or more days delinquent and accruing

^[3]

Loan receivables, total non-accruing

Total Other Loans [Member] | Personal Loans [Member] | Internal And External Loan Modification Programs [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, 90 or more days delinquent and accruing

Total Other Loans [Member] | Personal Loans [Member] | 30-89 Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Total Other Loans [Member] | Personal Loans [Member] | 90 or More Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

114

108

Loan receivables, 90 or more days delinquent and accruing

^[4]

Loan receivables, total non-accruing

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member] | Entity Loan Modification Program [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, 90 or more days delinquent and accruing

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member] | 30-89 Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member] | 90 or More Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Total Other Loans [Member] | Other Loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Loan receivables, 90 or more days delinquent and accruing

Loan receivables, total non-accruing

Total Other Loans [Member] | Other Loans [Member] | 30-89 Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

Total Other Loans [Member] | Other Loans [Member] | 90 or More Days Delinquent [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Loan receivables, past due

$ 1

[1]	Credit card loans that are 90 or more days delinquent and accruing interest include $44 million and $42 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015, respectively.
[2]	The Company estimates that the gross interest income that would have been recorded in accordance with the original terms of non-accruing credit card loans was $8 million and $7 million for the three months ended March 31, 2016 and 2015, respectively. The Company does not separately track the amount of gross interest income that would have been recorded in accordance with the original terms of loans. This amount was estimated based on customers' current balances and most recent interest rates.
[3]	Personal loans that are 90 or more days delinquent and accruing interest include $4 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.
[4]	Private student loans that are 90 or more days delinquent and accruing interest include $3 million of loans accounted for as troubled debt restructurings at March 31, 2016 and December 31, 2015.

Loan Receivables (Schedule of Net Charge-offs) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Charge Offs [Line Items]
Net charge-offs	$ 372	$ 360
Net charge-off rate (in percent)	2.11%	2.14%
Excluding PCI Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 372	$ 360
Net charge-off rate (in percent)	2.21%	2.26%
Credit Card Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 326	$ 319
Credit Card Loans [Member] \| Excluding PCI Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 326	$ 319
Net charge-off rate (in percent)	2.34%	2.40%
Total Other Loans [Member] \| Excluding PCI Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 46	$ 41
Net charge-off rate (in percent)	1.59%	1.58%
Total Other Loans [Member] \| Personal Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 34	$ 28
Total Other Loans [Member] \| Personal Loans [Member] \| Excluding PCI Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 34	$ 28
Net charge-off rate (in percent)	2.45%	2.22%
Total Other Loans [Member] \| Private Student Loans (Excluding PCI) [Member] \| Excluding PCI Loans [Member]
Charge Offs [Line Items]
Net charge-offs	$ 12	$ 13
Net charge-off rate (in percent)	0.85%	1.03%

Loan Receivables (Schedule of Credit Risk Profile by FICO Score) (Details)

Mar. 31, 2016

Dec. 31, 2015

Credit Card Loans [Member] | FICO Score, 660 and Above [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

FICO scores as a percentage of class of loan receivables

82.00%

83.00%

Credit Card Loans [Member] | FICO Score, Less Than 660 Or No Score [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

FICO scores as a percentage of class of loan receivables

18.00%

17.00%

Total Other Loans [Member] | Personal Loans [Member] | FICO Score, 660 and Above [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

FICO scores as a percentage of class of loan receivables

96.00%

Total Other Loans [Member] | Personal Loans [Member] | FICO Score, Less Than 660 Or No Score [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

FICO scores as a percentage of class of loan receivables

4.00%

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member] | FICO Score, 660 and Above [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

FICO scores as a percentage of class of loan receivables

^[1]

96.00%

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member] | FICO Score, Less Than 660 Or No Score [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

FICO scores as a percentage of class of loan receivables

^[1]

4.00%

[1]	PCI loans are discussed under the heading "— Purchased Credit-Impaired Loans."

Loan Receivables (Schedule of Changes in the Allowance for Loan Losses) (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Allowance for Loan and Lease Losses [Roll Forward]

Balance at beginning of period

$ 1,869

$ 1,746

Provision for loan losses

424

390

Charge-offs

(493)

(474)

Recoveries

121

114

Net charge-offs

(372)

(360)

Balance at end of period

1,921

1,776

Student Loans [Member]

Allowance for Loan and Lease Losses [Roll Forward]

Balance at beginning of period

^[2]

143

^[1]

135

Provision for loan losses

^[2]

Charge-offs

^[2]

(15)

Recoveries

^[2]

Net charge-offs

^[2]

(12)

(13)

Balance at end of period

^[2]

148

^[1]

142

Credit Card Loans [Member]

Allowance for Loan and Lease Losses [Roll Forward]

Balance at beginning of period

1,554

1,474

Provision for loan losses

362

337

Charge-offs

(439)

(428)

Recoveries

113

109

Net charge-offs

(326)

(319)

Balance at end of period

1,590

1,492

Total Other Loans [Member] | Personal Loans [Member]

Allowance for Loan and Lease Losses [Roll Forward]

Balance at beginning of period

155

120

Provision for loan losses

Charge-offs

(39)

(31)

Recoveries

Net charge-offs

(34)

(28)

Balance at end of period

165

123

Total Other Loans [Member] | Other Loans [Member]

Allowance for Loan and Lease Losses [Roll Forward]

Balance at beginning of period

^[3]

Provision for loan losses

Charge-offs

Recoveries

Net charge-offs

Balance at end of period

$ 18

^[3]

$ 19

[1]	Includes both PCI and non-PCI private student loans.
[2]	Includes both PCI and non-PCI private student loans.
[3]	Certain other loans, including non-performing Diners Club licensee loans, are individually evaluated for impairment.

Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]
Interest and fees accrued subsequently charged off, net of recoveries (recorded as a reduction of interest income)	$ 69	$ 75
Fees accrued subsequently charged off, net of recoveries (recorded as a reduction to other income)	$ 17	$ 20

Loan Receivables (Schedule of Allowance for Loan Losses and Recorded Investment in its Loan Portfolio by Impairment Methodology) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Mar. 31, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses, collectively evaluated for impairment in accordance with ASC 450-20

$ 1,676

$ 1,627

Allowance for loan losses, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

209

206

Total allowance for loan losses

1,921

1,869

$ 1,776

$ 1,746

Recorded investment in loans, collectively evaluated for impairment in accordance with ASC 450-20

66,154

68,077

Recorded investment in loans, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

1,201

1,192

Total recorded investment

70,320

72,385

Receivables Acquired with Deteriorated Credit Quality [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loans losses, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

Recorded investment in loans, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

2,965

3,116

Student Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total allowance for loan losses

^[4]

148

^[3]

143

^[3]

142

135

Total recorded investment

^[3]

8,914

8,763

Credit Card Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses, collectively evaluated for impairment in accordance with ASC 450-20

1,430

1,394

Allowance for loan losses, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

160

Total allowance for loan losses

1,590

1,554

1,492

1,474

Recorded investment in loans, collectively evaluated for impairment in accordance with ASC 450-20

54,600

56,877

Recorded investment in loans, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

1,020

1,019

Total recorded investment

55,620

57,896

Unpaid principal balance of modified loans accounted for as troubled debt restructurings

873

869

Credit Card Loans [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loans losses, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

Recorded investment in loans, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

Total Other Loans [Member] | Personal Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses, collectively evaluated for impairment in accordance with ASC 450-20

149

140

Allowance for loan losses, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

Total allowance for loan losses

165

155

123

120

Recorded investment in loans, collectively evaluated for impairment in accordance with ASC 450-20

5,464

5,422

Recorded investment in loans, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

Total recorded investment

5,534

5,490

Unpaid principal balance of modified loans accounted for as troubled debt restructurings

Total Other Loans [Member] | Personal Loans [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loans losses, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

Recorded investment in loans, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

Total Other Loans [Member] | Private Student Loans (Excluding PCI) [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses, collectively evaluated for impairment in accordance with ASC 450-20

Allowance for loan losses, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

Recorded investment in loans, collectively evaluated for impairment in accordance with ASC 450-20

5,896

5,599

Recorded investment in loans, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2]

Unpaid principal balance of modified loans accounted for as troubled debt restructurings

Total Other Loans [Member] | Other Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan losses, collectively evaluated for impairment in accordance with ASC 450-20

^[5]

Allowance for loan losses, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2],[5]

Total allowance for loan losses

^[5]

$ 19

$ 17

Recorded investment in loans, collectively evaluated for impairment in accordance with ASC 450-20

^[5]

194

179

Recorded investment in loans, evaluated for impairment in accordance with ASC 310-10-35

^[1],[2],[5]

Total recorded investment

^[5]

252

236

Total Other Loans [Member] | Other Loans [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loans losses, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

^[5]

Recorded investment in loans, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

^[5]

PCI Student Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total allowance for loan losses

Recorded investment in loans, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

^[6]

2,965

3,116

PCI Student Loans [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loans losses, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

Recorded investment in loans, acquired with deteriorated credit quality, evaluated in accordance with ASC 310-30

$ 2,965

$ 3,116

[1]	Loan receivables evaluated for impairment in accordance with Accounting Standards Codification ("ASC") 310-10-35 include credit card loans, personal loans and student loans collectively evaluated for impairment in accordance with ASC Subtopic 310-40, Receivables, which consists of modified loans accounted for as troubled debt restructurings. Other loans are individually evaluated for impairment and generally do not represent troubled debt restructurings.
[2]	The unpaid principal balance of credit card loans was $873 million and $869 million at March 31, 2016 and December 31, 2015, respectively. The unpaid principal balance of personal loans was $69 million and $67 million at March 31, 2016 and December 31, 2015, respectively. The unpaid principal balance of student loans was $52 million and $47 million at March 31, 2016 and December 31, 2015, respectively. All loans accounted for as troubled debt restructurings have a related allowance for loan losses.
[3]	Includes both PCI and non-PCI private student loans.
[4]	Includes both PCI and non-PCI private student loans.
[5]	Certain other loans, including non-performing Diners Club licensee loans, are individually evaluated for impairment.
[6]	Amounts include $1.6 billion and $1.7 billion of loans pledged as collateral against the notes issued from the Student Loan Corporation ("SLC") securitization trusts at March 31, 2016 and December 31, 2015, respectively. See Note 5: Credit Card and Student Loan Securitization Activities.

Loan Receivables (Schedule of Troubled Debt Restructurings) (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Credit Card Loans [Member] | Modified Credit Card Loans [Member]

Financing Receivable, Modifications [Line Items]

Average recorded investment in loans

^[1]

$ 274

$ 255

Interest income recognized during period loans were impaired

^[1],[2]

Gross interest income that would have been recorded with original terms

^[1],[3]

Credit Card Loans [Member] | Internal Programs [Member]

Financing Receivable, Modifications [Line Items]

Average recorded investment in loans

464

452

Interest income recognized during period loans were impaired

^[2]

Gross interest income that would have been recorded with original terms

^[3]

Credit Card Loans [Member] | External Programs [Member]

Financing Receivable, Modifications [Line Items]

Average recorded investment in loans

283

323

Interest income recognized during period loans were impaired

^[2]

Gross interest income that would have been recorded with original terms

^[3]

Total Other Loans [Member] | Personal Loans [Member] | Internal And External Loan Modification Programs [Member]

Financing Receivable, Modifications [Line Items]

Average recorded investment in loans

Interest income recognized during period loans were impaired

^[2]

Gross interest income that would have been recorded with original terms

^[3]

Total Other Loans [Member] | Private Student Loans [Member] | Entity Loan Modification Program [Member]

Financing Receivable, Modifications [Line Items]

Average recorded investment in loans

Interest income recognized during period loans were impaired

^[2]

$ 1

[1]	This balance is considered impaired, but is excluded from the internal and external program amounts reflected in this table. Represents credit card loans that were modified in troubled debt restructurings, but are no longer enrolled in troubled debt restructuring program due to noncompliance with the terms of the modification or successful completion of a program.
[2]	The Company does not separately track interest income on loans in modification programs. Amounts shown are estimated by applying an average interest rate to the average loans in the various modification programs.
[3]	The Company does not separately track the amount of gross interest income that would have been recorded if the loans in modification programs had not been restructured and interest had instead been recorded in accordance with the original terms. Amounts shown are estimated by applying the difference between the average interest rate earned on non-impaired loans and the average interest rate earned on loans in the modification programs to the average loans in the modification programs.

Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2016 USD ($) accounts	Mar. 31, 2015 USD ($) accounts
Credit Card Loans [Member] \| Internal Programs [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts that entered a loan modification program during the period, number of accounts (in accounts) \| accounts	14,967	13,243
Accounts that entered a loan modification program during the period, balances \| $	$ 96	$ 86
Credit Card Loans [Member] \| External Programs [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts that entered a loan modification program during the period, number of accounts (in accounts) \| accounts	7,317	7,617
Accounts that entered a loan modification program during the period, balances \| $	$ 39	$ 39
Total Other Loans [Member] \| Personal Loans [Member] \| Internal And External Loan Modification Programs [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts that entered a loan modification program during the period, number of accounts (in accounts) \| accounts	1,061	986
Accounts that entered a loan modification program during the period, balances \| $	$ 12	$ 12
Total Other Loans [Member] \| Private Student Loans [Member] \| Entity Loan Modification Program [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts that entered a loan modification program during the period, number of accounts (in accounts) \| accounts	452	469
Accounts that entered a loan modification program during the period, balances \| $	$ 8	$ 7

Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details)
$ in Millions

3 Months Ended

Mar. 31, 2016

USD ($)

missed_payments

accounts

Mar. 31, 2015

USD ($)

accounts

Financing Receivable, Modifications [Line Items]

Amount of missed payments after which a customer defaults from a modification program (in payments) | missed_payments

Credit Card Loans [Member] | Internal Programs [Member]

Financing Receivable, Modifications [Line Items]

Troubled debt restructurings that subsequently defaulted, number of accounts (in accounts) | accounts

^[1],[2]

3,001

3,176

Troubled debt restructurings that subsequently defaulted, aggregated outstanding balances upon default | $

^[1],[2]

$ 18

$ 20

Credit Card Loans [Member] | External Programs [Member]

Financing Receivable, Modifications [Line Items]

Troubled debt restructurings that subsequently defaulted, number of accounts (in accounts) | accounts

^[1],[2]

1,699

1,643

Troubled debt restructurings that subsequently defaulted, aggregated outstanding balances upon default | $

^[1],[2]

$ 7

Total Other Loans [Member] | Personal Loans [Member] | Internal And External Loan Modification Programs [Member]

Financing Receivable, Modifications [Line Items]

Troubled debt restructurings that subsequently defaulted, number of accounts (in accounts) | accounts

^[1]

158

151

Troubled debt restructurings that subsequently defaulted, aggregated outstanding balances upon default | $

^[1]

$ 2

Total Other Loans [Member] | Private Student Loans [Member]

Financing Receivable, Modifications [Line Items]

Delinquency days to default (in days)

60 days

Total Other Loans [Member] | Private Student Loans [Member] | Entity Loan Modification Program [Member]

Financing Receivable, Modifications [Line Items]

Troubled debt restructurings that subsequently defaulted, number of accounts (in accounts) | accounts

^[3]

197

305

Troubled debt restructurings that subsequently defaulted, aggregated outstanding balances upon default | $

^[3]

$ 3

$ 4

[1]	A customer defaults from a modification program after two consecutive missed payments.
[2]	The outstanding balance upon default is the loan balance at the end of the month prior to default. Terms revert back to the pre-modification terms for customers who default from a temporary program and charging privileges remain revoked in most cases.
[3]	Student loan defaults have been defined as loans that are 60 or more days delinquent.

Loan Receivables (Schedule of Changes in Accretable Yield for the Acquired Loans) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Accretable yield, balance at beginning of period	$ 965	$ 1,341
Accretion into interest income	(49)	(59)
Other changes in expected cash flows	0	(101)
Accretable yield, balance at end of period	$ 916	$ 1,181

Credit Card and Student Loan Securitization Activities (Narrative) (Details)	3 Months Ended
	Mar. 31, 2016 classes trusts
Credit Card Securitization Trusts [Member]
Variable Interest Entity [Line Items]
Excess spread rate minimum	0.00%
Excess of the total investors' interests	7.00%
Student Loan Securitization Trusts [Member]
Variable Interest Entity [Line Items]
Number of trusts issuing securities (in trusts) \| trusts	3
Discover Card Execution Note Trust [Member] \| Credit Card Securitization Trusts [Member]
Variable Interest Entity [Line Items]
Number of classes of securities in debt structure (in classes) \| classes	4
Average excess spread rate calculation period (in months)	3 months

Credit Card and Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Mar. 31, 2015

Dec. 31, 2014

Variable Interest Entity [Line Items]

Restricted cash

$ 1,010

$ 99

Allowance for loan losses allocated to securitized loan receivables

(1,921)

(1,869)

$ (1,776)

$ (1,746)

Other

2,465

2,412

Variable Interest Entity, Primary Beneficiary [Member]

Variable Interest Entity [Line Items]

Restricted cash

1,010

Allowance for loan losses allocated to securitized loan receivables

(811)

Other

Variable Interest Entity, Primary Beneficiary [Member] | Credit Card Securitization Trusts [Member]

Variable Interest Entity [Line Items]

Restricted cash

921

Investors’ interests held by third-party investors

15,725

15,625

Investors’ interests held by wholly-owned subsidiaries of Discover Bank

5,199

6,017

Seller’s interest

6,241

7,231

Loan receivables

^[1]

27,165

28,873

Allowance for loan losses allocated to securitized loan receivables

^[1]

(783)

Net loan receivables

26,382

28,090

Other

^[2]

Carrying value of assets of consolidated variable interest entities

$ 27,309

$ 28,114

[1]	The Company maintains its allowance for loan losses at an amount sufficient to absorb probable losses inherent in all loan receivables, which includes all loan receivables in the trusts. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company’s balance sheet in accordance with GAAP.
[2]	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Credit Card and Student Loan Securitization Activities (Schedule of Investors' Interests and Related Excess Spreads) (Details) - Discover Card Execution Note Trust [Member]
$ in Millions

3 Months Ended

Mar. 31, 2016

USD ($)

series

Variable Interest Entity [Line Items]

Investors' interests | $

$ 20,924

^[1]

Number of series outstanding (in series) | series

Three month rolling average excess spread (in percent)

13.55%

[1]	Investors’ interests include third-party interests and subordinated interests held by wholly-owned subsidiaries of Discover Bank.

Credit Card and Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Mar. 31, 2015

Dec. 31, 2014

Variable Interest Entity [Line Items]

Restricted cash

$ 1,010

$ 99

Allowance for loan losses allocated to securitized loan receivables

(1,921)

(1,869)

$ (1,776)

$ (1,746)

Variable Interest Entity, Primary Beneficiary [Member]

Variable Interest Entity [Line Items]

Restricted cash

1,010

Allowance for loan losses allocated to securitized loan receivables

(811)

Variable Interest Entity, Primary Beneficiary [Member] | Student Loan Securitization Trusts [Member]

Variable Interest Entity [Line Items]

Restricted cash

Purchased credit-impaired loans

^[1]

1,596

1,678

Allowance for loan losses allocated to securitized loan receivables

^[1]

(28)

Net student loan receivables

1,568

1,650

Carrying value of assets of consolidated variable interest entities

$ 1,657

$ 1,730

[1]	The Company maintains its allowance for loan losses on PCI loans sufficient to absorb probable decreases in cash flows that were previously expected. Therefore, credit risk associated with the transferred receivables is fully reflected on the Company's balance sheet in accordance with GAAP.

Deposits (Narrative) (Details)	3 Months Ended
Deposits (Narrative) (Details)	Mar. 31, 2016 channels
Deposits [Abstract]
Deposits source channels (in number of channels)	2

Deposits (Schedule of Interest Bearing Deposit Accounts) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Deposits [Abstract]

Certificates of deposit in amounts less than $100,000

$ 19,728

$ 20,491

^[1]

Certificates of deposit in amounts $100,000 or greater

^[2]

5,516

5,228

Savings deposits, including money market deposit accounts

22,811

21,375

Total interest-bearing deposits

48,055

47,094

^[1]

Certificates of deposit greater than $250,000

$ 1,200

$ 1,100

[1]	(1)Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.
[2]	Includes $1.2 billion and $1.1 billion in certificates of deposit greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of March 31, 2016 and December 31, 2015, respectively.

Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Deposits [Abstract]

Three months or less

$ 530

Over three months through six months

742

Over six months through twelve months

1,536

Over twelve months

2,708

Total

^[1]

$ 5,516

$ 5,228

[1]	Includes $1.2 billion and $1.1 billion in certificates of deposit greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of March 31, 2016 and December 31, 2015, respectively.

Deposits (Schedule of Certificates of Deposit Maturities) (Details) $ in Millions	Mar. 31, 2016 USD ($)
Deposits [Abstract]
2016	$ 8,335
2017	6,792
2018	3,607
2019	1,966
2020	1,938
Thereafter	2,606
Total	$ 25,244

Long-Term Borrowings (Narrative) (Details) - Discover Card Master Trust I and Discover Card Execution Note Trust [Member] - Secured Debt [Member] $ in Millions	Mar. 31, 2016 USD ($)
Debt Instrument [Line Items]
Total commitment of secured credit facilities	$ 6,000
Total used commitment of secured credit facilities	$ 0

Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2016

Dec. 31, 2015

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

$ 24,752

$ 24,650

^[1]

Variable Interest Entity, Primary Beneficiary [Member]

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

16,779

16,735

^[1]

Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member]

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

$ 15,709

15,592

^[1]

Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Fixed-Rate Asset-Backed Securities [Member]

Debt Instrument [Line Items]

Interest rate minimum

1.04%

Interest rate maximum

5.65%

Weighted-average interest rate

2.05%

Long-term borrowings (in dollars)

^[2]

$ 9,268

9,152

^[1]

Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member]

Debt Instrument [Line Items]

Interest rate minimum

0.62%

Interest rate maximum

0.89%

Weighted-average interest rate

0.79%

Long-term borrowings (in dollars)

^[3],[4]

$ 6,441

6,440

^[1]

Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating Rate Asset Backed Securities 1-Month LIBOR Plus Various Basis Points [Member]

Debt Instrument [Line Items]

Interest rate terms

1-month LIBOR + 18 to 45 basis points

Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating Rate Asset Backed Securities 1-Month LIBOR Plus Various Basis Points [Member] | Minimum [Member]

Debt Instrument [Line Items]

Basis spread on variable rate

0.18%

Debt Instrument [Line Items]

Basis spread on variable rate

0.45%

Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating Rate Asset Backed Securities 3-Month LIBOR Plus 20 Basis Points [Member]

Debt Instrument [Line Items]

Interest rate terms

3-month LIBOR + 20 basis points

Basis spread on variable rate

0.20%

Securitized Debt [Member] | SLC Private Student Loan Trust [Member]

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

$ 1,070

1,143

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating-Rate Asset-Backed Securities [Member]

Debt Instrument [Line Items]

Interest rate minimum

0.79%

Interest rate maximum

4.25%

Weighted-average interest rate

2.21%

Long-term borrowings (in dollars)

^[6],[8]

$ 1,070

^[5],[7]

1,143

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities 3-Month LIBOR Plus Various Basis Points [Member]

Debt Instrument [Line Items]

Interest rate terms

3-month LIBOR + 17 to 45 basis points

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities 3-Month LIBOR Plus Various Basis Points [Member] | Minimum [Member]

Debt Instrument [Line Items]

Basis spread on variable rate

0.17%

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities 3-Month LIBOR Plus Various Basis Points [Member] | Maximum [Member]

Debt Instrument [Line Items]

Basis spread on variable rate

0.45%

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities Prime Rate Plus 75 to 100 Basis Points [Member]

Debt Instrument [Line Items]

Interest rate terms

Prime rate + 75 to 100 basis points

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities Prime Rate Plus 75 to 100 Basis Points [Member] | Minimum [Member]

Debt Instrument [Line Items]

Basis spread on variable rate

0.75%

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities Prime Rate Plus 75 to 100 Basis Points [Member] | Maximum [Member]

Debt Instrument [Line Items]

Basis spread on variable rate

1.00%

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Floating Rate Asset Backed Securities 1-Month LIBOR Plus 350 Basis Points [Member]

Debt Instrument [Line Items]

Interest rate terms

1-month LIBOR + 350 basis points

Basis spread on variable rate

3.50%

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Senior Notes Maturing 2031 [Member]

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

$ 302

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Senior and Subordinated Notes Maturing 2036 [Member]

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

621

Securitized Debt [Member] | SLC Private Student Loan Trust [Member] | Senior Notes Maturing 2042 [Member]

Debt Instrument [Line Items]

Long-term borrowings (in dollars)

$ 147

Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Senior Notes [Member]

Debt Instrument [Line Items]

Interest rate minimum

3.75%

Interest rate maximum

10.25%

Weighted-average interest rate

4.75%

Long-term borrowings (in dollars)

^[2]

$ 2,073

2,066

^[1]

Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Retail Notes [Member]

Debt Instrument [Line Items]

Interest rate minimum

3.00%

Interest rate maximum

4.40%

Weighted-average interest rate

3.94%

Long-term borrowings (in dollars)

$ 77

^[1]

Senior Notes [Member] | Discover Bank [Member] | Fixed-Rate Senior Bank Notes [Member]

Debt Instrument [Line Items]

Interest rate minimum

2.00%

Interest rate maximum

4.25%

Weighted-average interest rate

3.16%

Long-term borrowings (in dollars)

^[2]

$ 5,128

5,115

^[1]

Subordinated Debt [Member] | Discover Bank [Member] | Fixed-Rate Subordinated Bank Notes [Member]

Debt Instrument [Line Items]

Interest rate minimum

7.00%

Interest rate maximum

8.70%

Weighted-average interest rate

7.49%

Long-term borrowings (in dollars)

$ 695

^[1]

[1]	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.
[2]	The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in London Interbank Offered Rate (“LIBOR”). Use of these interest rate swaps impacts carrying value of the debt.
[3]	Discover Card Execution Note Trust floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 18 to 45 basis points and 3-month LIBOR + 20 basis points as of March 31, 2016.
[4]	The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest payments on a portion of these long-term borrowings. There is no impact on debt carrying value from use of these interest rate swaps. See Note 15: Derivatives and Hedging Activities.
[5]	Includes $302 million of senior notes maturing in 2031, $621 million of senior and subordinated notes maturing in 2036 and $147 million of senior notes maturing in 2042 as of March 31, 2016.
[6]	Repayment of this debt is dependent upon the timing of principal and interest payments on the underlying student loans. The dates shown represent final maturity dates.
[7]	SLC Private Student Loan Trusts floating-rate asset-backed securities include issuances with the following interest rate terms: 3-month LIBOR + 17 to 45 basis points, Prime rate + 75 to 100 basis points and 1-month LIBOR + 350 basis points as of March 31, 2016.
[8]	The Company acquired an interest rate swap related to the securitized debt assumed in the SLC transaction. The swap does not qualify for hedge accounting and has no impact on debt carrying value. See Note 15: Derivatives and Hedging Activities.

Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

^[1]

Debt Disclosure [Abstract]

$ 2,150

5,099

5,273

4,270

3,094

4,866

$ 24,752

$ 24,650

[1]

Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), balance at beginning of period, net of tax	$ (160)	$ (138)
Net change in accumulated other comprehensive income (loss), net of tax	(12)	(23)
Accumulated other comprehensive income (loss), balance at end of period, net of tax	(172)	(161)
Unrealized Gain (Loss) on Available-for-Sale Investment Securities, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), balance at beginning of period, net of tax	0	23
Net change in accumulated other comprehensive income (loss), net of tax	14	0
Accumulated other comprehensive income (loss), balance at end of period, net of tax	14	23
(Loss) Gain on Cash Flow Hedges, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), balance at beginning of period, net of tax	(20)	(7)
Net change in accumulated other comprehensive income (loss), net of tax	(26)	(23)
Accumulated other comprehensive income (loss), balance at end of period, net of tax	(46)	(30)
Pension Plan Loss, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), balance at beginning of period, net of tax	(140)	(154)
Net change in accumulated other comprehensive income (loss), net of tax	0	0
Accumulated other comprehensive income (loss), balance at end of period, net of tax	$ (140)	$ (154)

Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Available-for-sale investment securities, net unrealized holding gain (loss) arising during the period, before tax	$ 23	$ 8
Available-for-sale investment securities, net unrealized holding gain (loss) arising during the period, tax benefit (expense)	(9)	(3)
Available-for-sale investment securities, net unrealized holding gain (loss) arising during the period, net of tax	14	5
Available-for-sale investment securities, amounts reclassified from AOCI, before tax	0	(8)
Available-for-sale investment securities, amounts reclassified from AOCI, tax benefit (expense)	0	3
Available-for-sale investment securities, amounts reclassified from AOCI, net of tax	0	(5)
Available-for-sale investment securities, net change, before tax	23	0
Available-for-sale investment securities, net change, tax benefit (expense)	(9)	0
Available-for-sale investment securities, net change, net of tax	14	0
Cash flow hedges, net unrealized gain (loss) arising during the period, before tax	(52)	(47)
Cash flow hedges, net unrealized gain (loss) arising during the period, tax benefit (expense)	21	17
Cash flow hedges, net unrealized gain (loss) arising during the period, net of tax	(31)	(30)
Cash flow hedges, amounts reclassified from AOCI, before tax	9	12
Cash flow hedges, amounts reclassified from AOCI, tax benefit (expense)	(4)	(5)
Cash flow hedges, amounts reclassified from AOCI, net of tax	5	7
Cash flow hedges, net change, before tax	(43)	(35)
Cash flow hedges, net change, tax benefit (expense)	17	12
Cash flow hedges, net change, net of tax	$ (26)	$ (23)

Income Taxes (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended
Income Taxes (Narrative) (Details) - USD ($) $ in Millions	Jun. 30, 2016	Mar. 31, 2016
Income Tax Disclosure [Abstract]
Change in income tax expense		$ 17
Change in effective income tax rate (in percent)		1.60%
Subsequent Event [Member] \| Settlement with Taxing Authority [Member]
Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]
Minimum reasonably possible reduction in the amount of unrecognized tax benefits	$ 337
Tax Adjustments, Settlements, and Unusual Provisions	$ 40

Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Income before income tax expense	$ 914	$ 908
Income tax expense	$ 339	$ 322
Effective income tax rate (in percent)	37.10%	35.50%

Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Numerator:
Net income	$ 575	$ 586
Preferred stock dividends	(9)	(9)
Net income available to common stockholders	566	577
Income allocated to participating securities	(4)	(4)
Net income allocated to common stockholders	562	573
Income allocated to participating securities, diluted	(4)	(4)
Net income allocated to common stockholders, diluted	$ 562	$ 573
Denominator:
Weighted-average shares of common stock outstanding (in shares)	417	448
Basic earnings per common share (in dollars per share)	$ 1.35	$ 1.28
Diluted earnings per common share (in dollars per share)	$ 1.35	$ 1.28

Capital Adequacy (Narrative) (Details)	Mar. 31, 2016
Regulatory Capital Requirements [Abstract]
Basel III minimum total capital ratio requirement	8.00%
Basel III minimum tier 1 capital ratio requirement	6.00%
Basel III minimum leverage ratio requirement	4.00%
Basel III minimum CET1 ratio requirement	4.50%

Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Compliance with Regulatory Capital Requirements [Line Items]

Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

8.00%

Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

6.00%

Tier I capital to average assets, minimum capital requirements, ratio (in percent)

4.00%

CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

4.50%

Parent Company [Member]

Compliance with Regulatory Capital Requirements [Line Items]

Total capital to risk-weighted assets, actual amount

$ 12,463

$ 12,497

^[1]

Total capital to risk-weighted assets, actual ratio (in percent)

16.80%

16.50%

Total capital to risk-weighted assets, minimum capital requirements, amount

$ 5,936

$ 6,052

^[1]

Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

8.00%

Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount

$ 7,421

$ 7,565

^[1]

Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)

10.00%

Tier I capital to risk-weighted assets, actual amount

$ 11,153

$ 11,126

Tier I capital to risk-weighted assets, actual ratio (in percent)

15.00%

14.70%

Tier I capital to risk-weighted assets, minimum capital requirements, amount

$ 4,452

$ 4,539

^[1]

Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

6.00%

Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount

$ 5,936

$ 6,052

^[1]

Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)

8.00%

Tier I capital to average assets, actual amount

$ 11,153

$ 11,126

Tier I capital to average assets, actual ratio (in percent)

12.80%

12.90%

Tier I capital to average assets, minimum capital requirements, amount

$ 3,493

$ 3,446

^[1]

Tier I capital to average assets, minimum capital requirements, ratio (in percent)

4.00%

Tier I capital to average assets, capital requirements to be classified as well-capitalized, amount

$ 4,366

$ 4,307

^[1]

Tier I capital to average assets, capital requirements to be classified as well-capitalized, ratio (in percent)

5.00%

Parent Company [Member] | Transition [Member]

Compliance with Regulatory Capital Requirements [Line Items]

CET1 capital to risk-weighted assets, actual amount

$ 10,593

$ 10,566

CET1 capital to risk-weighted assets, actual ratio (in percent)

14.30%

14.00%

^[1]

CET1 capital to risk-weighted assets, minimum capital requirements, amount

$ 3,339

$ 3,404

^[1]

CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

4.50%

CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount

$ 4,823

$ 4,917

^[1]

CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)

6.50%

Discover Bank [Member]

Compliance with Regulatory Capital Requirements [Line Items]

Total capital to risk-weighted assets, actual amount

$ 12,008

$ 11,905

^[1]

Total capital to risk-weighted assets, actual ratio (in percent)

16.40%

15.90%

Total capital to risk-weighted assets, minimum capital requirements, amount

$ 5,876

$ 5,991

^[1]

Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

8.00%

Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount

$ 7,345

$ 7,488

^[1]

Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)

10.00%

Tier I capital to risk-weighted assets, actual amount

$ 10,061

$ 9,941

Tier I capital to risk-weighted assets, actual ratio (in percent)

13.70%

13.30%

Tier I capital to risk-weighted assets, minimum capital requirements, amount

$ 4,407

$ 4,493

^[1]

Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

6.00%

Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount

$ 5,876

$ 5,991

^[1]

Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)

8.00%

Tier I capital to average assets, actual amount

$ 10,061

$ 9,941

Tier I capital to average assets, actual ratio (in percent)

11.60%

11.70%

^[1]

Tier I capital to average assets, minimum capital requirements, amount

$ 3,459

$ 3,410

^[1]

Tier I capital to average assets, minimum capital requirements, ratio (in percent)

4.00%

Tier I capital to average assets, capital requirements to be classified as well-capitalized, amount

$ 4,323

$ 4,263

^[1]

Tier I capital to average assets, capital requirements to be classified as well-capitalized, ratio (in percent)

5.00%

Discover Bank [Member] | Transition [Member]

Compliance with Regulatory Capital Requirements [Line Items]

CET1 capital to risk-weighted assets, actual amount

$ 10,061

$ 9,941

CET1 capital to risk-weighted assets, actual ratio (in percent)

13.70%

13.30%

CET1 capital to risk-weighted assets, minimum capital requirements, amount

$ 3,305

$ 3,370

^[1]

CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent)

4.50%

CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount

$ 4,774

$ 4,867

^[1]

CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)

6.50%

[1]

Commitments, Contingencies and Guarantees (Narrative) (Details) $ in Billions	3 Months Ended
	Mar. 31, 2016 USD ($)
Commitments, Contingencies and Guarantees [Line Items]
Period for disabling a counterparty settlement	1 month
Commitments to Extend Credit [Member]
Commitments, Contingencies and Guarantees [Line Items]
Unused commitments to extend credit for loans	$ 182.8

Commitments, Contingencies and Guarantees (Schedule of Lease Commitments) (Details) $ in Millions	Mar. 31, 2016 USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2016	$ 11
2017	12
2018	11
2019	9
2020	7
Thereafter	34
Total minimum lease payments	$ 84

Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees) (Details) $ in Millions	Mar. 31, 2016 USD ($)
Merchant Guarantee [Member] \| Diners Club [Member]
Guarantor Obligations [Line Items]
Maximum potential counterparty exposures to settlement guarantees	$ 142
ATM Guarantee [Member] \| PULSE [Member]
Guarantor Obligations [Line Items]
Maximum potential counterparty exposures to settlement guarantees	$ 1

Commitments, Contingencies and Guarantees (Schedule of Merchant Chargeback Guarantee) (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Merchant Chargebacks [Member]

Loss Contingencies [Line Items]

Aggregate sales transaction volume

^[1]

$ 31,281

$ 29,498

[1]	Represents period transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.

Commitments, Contingencies and Guarantees (Schedule of Settlement Withholdings and Escrow Deposits) (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Commitments Contingencies and Guarantees [Abstract]
Settlement withholdings and escrow deposits	$ 6	$ 7

Litigation and Regulatory Matters (Narrative) (Details) - USD ($)		3 Months Ended
	Jul. 22, 2015	Mar. 31, 2015	Mar. 31, 2016	Jul. 09, 2015
Loss Contingencies [Line Items]
Litigation expense		$ 23,000,000
TCPA statutory damages for each violation				$ 500
TCPA statutory damages for each willful violation				$ 1,500
Unfavorable Regulatory Action [Member] \| CFPB Consent Order [Member]
Loss Contingencies [Line Items]
Amount of redress for CFPB consent order	$ 16,000,000
Amount of civil money penalty for CFPB consent order	$ 2,500,000
Pending and Threatened Litigation [Member]
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses			$ 160,000,000

Fair Value Measurements and Disclosures (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Residential Mortgage-Backed Securities - Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities, par value	$ 1,100
Available for sale securities, weighted average coupon rate (in percent)	2.81%
Available for sale securities, weighted average remaining maturity (in years)	3 years
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset transfers from level 1 to level 2 within the fair value hierarchy	$ 0	$ 0
Asset transfers from level 2 to level 1 within the fair value hierarchy	0	0
Liability transfers from level 1 to level 2 within the fair value hierarchy	0	0
Liability transfers from level 2 to level 1 within the fair value hierarchy	$ 0	$ 0

Fair Value Measurements and Disclosures (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	$ 2,824	$ 2,963
Other Derivative Financial Instruments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments, assets, fair value	58	22
Derivative financial instruments, liabilities, fair value	78	38
U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	1,180	1,272
U.S. Government Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	492	494
Residential Mortgage-Backed Securities - Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	1,152	1,197
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	1,672	1,766
Level 1 [Member] \| Other Derivative Financial Instruments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments, assets, fair value	0	0
Derivative financial instruments, liabilities, fair value	0	0
Level 1 [Member] \| U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	1,180	1,272
Level 1 [Member] \| U.S. Government Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	492	494
Level 1 [Member] \| Residential Mortgage-Backed Securities - Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	0	0
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	1,152	1,197
Level 2 [Member] \| Other Derivative Financial Instruments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments, assets, fair value	58	22
Derivative financial instruments, liabilities, fair value	78	38
Level 2 [Member] \| U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	0	0
Level 2 [Member] \| U.S. Government Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	0	0
Level 2 [Member] \| Residential Mortgage-Backed Securities - Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	1,152	1,197
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	0	0
Level 3 [Member] \| Other Derivative Financial Instruments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments, assets, fair value	0	0
Derivative financial instruments, liabilities, fair value	0	0
Level 3 [Member] \| U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	0	0
Level 3 [Member] \| U.S. Government Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	0	0
Level 3 [Member] \| Residential Mortgage-Backed Securities - Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale investment securities, fair value	$ 0	$ 0

Fair Value Measurements and Disclosures (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details) - USD ($)
$ in Millions

Mar. 31, 2016

Dec. 31, 2015

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

^[1]

$ 135

$ 122

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

135

122

Cash and cash equivalents

12,135

9,572

Restricted cash

1,010

Net loan receivables

69,473

71,455

Accrued interest receivables

666

660

Deposits

48,775

47,714

Accrued interest payables

172

158

Fair Value, Measurements, Nonrecurring [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

16,980

16,854

Fair Value, Measurements, Nonrecurring [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

8,444

8,355

Fair Value, Measurements, Nonrecurring [Member] | U.S. Treasury Securities [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | States and Political Subdivisions of States [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Residential Mortgage-Backed Securities - Agency [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

129

114

Fair Value, Measurements, Nonrecurring [Member] | Carrying Value [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

132

121

Cash and cash equivalents

12,135

9,572

Restricted cash

1,010

Net loan receivables

68,399

70,516

Accrued interest receivables

666

660

Deposits

48,465

47,531

^[2]

Accrued interest payables

172

158

Fair Value, Measurements, Nonrecurring [Member] | Carrying Value [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

16,779

16,735

^[2]

Fair Value, Measurements, Nonrecurring [Member] | Carrying Value [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

7,973

7,915

^[2]

Fair Value, Measurements, Nonrecurring [Member] | Carrying Value [Member] | U.S. Treasury Securities [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Carrying Value [Member] | States and Political Subdivisions of States [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Carrying Value [Member] | Residential Mortgage-Backed Securities - Agency [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

126

113

Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Cash and cash equivalents

12,135

9,572

Restricted cash

1,010

Net loan receivables

Accrued interest receivables

Deposits

Accrued interest payables

Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member] | U.S. Treasury Securities [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member] | States and Political Subdivisions of States [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member] | Residential Mortgage-Backed Securities - Agency [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

134

121

Cash and cash equivalents

Restricted cash

Net loan receivables

Accrued interest receivables

666

660

Deposits

48,775

47,714

Accrued interest payables

172

158

Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

15,849

15,634

Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

8,444

8,355

Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member] | U.S. Treasury Securities [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member] | States and Political Subdivisions of States [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member] | Residential Mortgage-Backed Securities - Agency [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

129

114

Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Cash and cash equivalents

Restricted cash

Net loan receivables

69,473

71,455

Accrued interest receivables

Deposits

Accrued interest payables

Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member] | Variable Interest Entity, Primary Beneficiary [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

1,131

1,220

Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Long-term borrowings

Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member] | U.S. Treasury Securities [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member] | States and Political Subdivisions of States [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member] | Residential Mortgage-Backed Securities - Agency [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Held-to-maturity investment securities

$ 0

[1]	Held-to-maturity investment securities are reported at amortized cost.
[2]	Upon adoption of ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, certain balances as of December 31, 2015 have been restated to reflect the classification of debt issuance costs as a direct deduction of the related liability. See Note 1: Background and Basis of Presentation for additional information.

Derivatives and Hedging Activities (Narrative) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2016 USD ($)
Derivative [Line Items]
Cash collateral posted	$ 4
Additional collateral	69
Interest Expense [Member]
Derivative [Line Items]
Cash flow hedge loss to be reclassified to earnings within twelve months	$ 31
Securitized Debt [Member]
Derivative [Line Items]
Initial maximum period for cash flow hedges (in years)	5 years
Deposits [Member]
Derivative [Line Items]
Initial maximum period for cash flow hedges (in years)	7 years

Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details)
€ in Millions, £ in Millions, SGD in Millions, $ in Millions

Mar. 31, 2016

USD ($)

transactions

Mar. 31, 2016

SGD

transactions

Mar. 31, 2016

EUR (€)

transactions

Mar. 31, 2016

GBP (£)

transactions

Dec. 31, 2015

USD ($)

transactions

Dec. 31, 2015

SGD

transactions

Dec. 31, 2015

EUR (€)

transactions

Dec. 31, 2015

GBP (£)

transactions

Derivatives, Fair Value [Line Items]

Derivative assets

^[1]

$ 58

$ 22

Collateral held, derivative assets

^[2]

(21)

(8)

Total net derivative assets

Derivative liabilities

^[1]

Collateral posted, derivative liabilities

^[2]

(63)

(33)

Total net derivative liabilities

Designated as Hedges [Member] | Cash Flow Hedge [Member] | Interest Rate Swaps [Member]

Derivatives, Fair Value [Line Items]

Derivative, notional amount

$ 4,100

4,100

Derivative, number of outstanding derivative contracts (in transactions) | transactions

Derivative assets

$ 0

Derivative liabilities

Designated as Hedges [Member] | Fair Value Hedge [Member] | Interest Rate Swaps [Member]

Derivatives, Fair Value [Line Items]

Derivative, notional amount

$ 4,854

4,110

Derivative, number of outstanding derivative contracts (in transactions) | transactions

105

Derivative assets

$ 58

Derivative liabilities

Not Designated as Hedges [Member] | Interest Rate Swaps [Member]

Derivatives, Fair Value [Line Items]

Derivative, notional amount

^[3]

$ 198

217

Derivative, number of outstanding derivative contracts (in transactions) | transactions

^[3]

Derivative assets

^[3]

$ 0

Derivative liabilities

^[3]

Not Designated as Hedges [Member] | Foreign Exchange Forward Contracts [Member]

Derivatives, Fair Value [Line Items]

Derivative, notional amount

$ 32

^[4]

SGD 1

€ 19

£ 7

^[4]

SGD 1

€ 19

£ 7

Derivative, number of outstanding derivative contracts (in transactions) | transactions

Derivative assets

$ 0

Derivative liabilities

Not Designated as Hedges [Member] | When-Issued Forward Contracts [Member]

Derivatives, Fair Value [Line Items]

Derivative, notional amount

$ 36

$ 52

Derivative, number of outstanding derivative contracts (in transactions) | transactions

[1]	In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At March 31, 2016, the Company had one outstanding contract with a notional amount of $36 million and immaterial fair value. At December 31, 2015, the Company had one outstanding contract with a notional amount of $52 million and immaterial fair value.
[2]	Collateral amounts, which consist of both cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.
[3]	Interest rate swaps not designated as hedges do not have associated master netting arrangements.
[4]	The foreign exchange forward contracts have notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of March 31, 2016, and notional amounts of EUR 19 million, GBP 7 million and SGD 1 million as of December 31, 2015.

Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income and Other Comprehensive Income) (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Designated as Hedges [Member]

Derivative Instruments, Gain (Loss) [Line Items]

(Loss) gain on derivatives

$ 0

$ (3)

Designated as Hedges [Member] | Cash Flow and Net Investment Hedges [Member] | Interest Rate Swaps [Member] | Other Comprehensive Income [Member]

Derivative Instruments, Gain (Loss) [Line Items]

Total loss recognized in OCI after amounts reclassified into earnings, pre-tax

(43)

(35)

Designated as Hedges [Member] | Cash Flow Hedges [Member] | Interest Rate Swaps [Member] | Interest Expense [Member]

Derivative Instruments, Gain (Loss) [Line Items]

Amount reclassified from OCI into income

(9)

(12)

Designated as Hedges [Member] | Fair Value Hedges [Member] | Interest Rate Swaps [Member] | Interest Expense [Member]

Derivative Instruments, Gain (Loss) [Line Items]

Adjustments - ineffectiveness

Adjustments - other

Gain on interest rate swaps

Designated as Hedges [Member] | Fair Value Hedges [Member] | Hedged Item [Member] | Interest Expense [Member]

Derivative Instruments, Gain (Loss) [Line Items]

Adjustments - ineffectiveness

(29)

(3)

Adjustments - other

(2)

(1)

Loss on hedged item

(31)

(4)

Not Designated as Hedges [Member] | Other Income [Member]

Derivative Instruments, Gain (Loss) [Line Items]

(Loss) gain on derivatives

$ (1)

^[1]

Not Designated as Hedges [Member] | Forward Contracts [Member] | Other Income [Member]

Derivative Instruments, Gain (Loss) [Line Items]

(Loss) gain on derivatives

Not Designated as Hedges [Member] | Interest Rate Lock Commitments [Member] | Other Income [Member]

Derivative Instruments, Gain (Loss) [Line Items]

(Loss) gain on derivatives

$ 44

[1]	Amount as of March 31, 2015 includes $2 million gain on forward delivery contracts and $44 million gain on interest rate lock commitments related to the mortgage loan business that was closed during 2015. See Note 2: Business Dispositions.

Segment Disclosures (Narrative) (Details)	3 Months Ended
Segment Disclosures (Narrative) (Details)	Mar. 31, 2016 segment
Segment Reporting [Abstract]
Number of reportable segments (in number of segments)	2

Segment Disclosures (Schedule of Segment Disclosures) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Segment Reporting Information [Line Items]
Interest income	$ 2,084	$ 1,929
Interest expense	334	300
Net interest income	1,750	1,629
Provision for loan losses	424	390
Other income	474	542
Other expense	886	873
Income before income tax expense	914	908
Other [Member]
Segment Reporting Information [Line Items]
Interest income	28	21
Credit Card Loans [Member]
Segment Reporting Information [Line Items]
Interest income	1,733	1,606
Provision for loan losses	362	337
Total Other Loans [Member] \| Private Student Loans [Member]
Segment Reporting Information [Line Items]
Interest income	107	90
Total Other Loans [Member] \| Personal Loans [Member]
Segment Reporting Information [Line Items]
Interest income	167	152
Provision for loan losses	44	31
PCI Student Loans [Member]
Segment Reporting Information [Line Items]
Interest income	49	60
Provision for loan losses	0	0
Operating Segments [Member] \| Direct Banking [Member]
Segment Reporting Information [Line Items]
Interest income	2,084	1,929
Interest expense	334	300
Net interest income	1,750	1,629
Provision for loan losses	423	388
Other income	406	468
Other expense	851	828
Income before income tax expense	882	881
Operating Segments [Member] \| Direct Banking [Member] \| Other [Member]
Segment Reporting Information [Line Items]
Interest income	28	21
Operating Segments [Member] \| Direct Banking [Member] \| Credit Card Loans [Member]
Segment Reporting Information [Line Items]
Interest income	1,733	1,606
Operating Segments [Member] \| Direct Banking [Member] \| Total Other Loans [Member] \| Private Student Loans [Member]
Segment Reporting Information [Line Items]
Interest income	107	90
Operating Segments [Member] \| Direct Banking [Member] \| Total Other Loans [Member] \| Personal Loans [Member]
Segment Reporting Information [Line Items]
Interest income	167	152
Operating Segments [Member] \| Direct Banking [Member] \| PCI Student Loans [Member]
Segment Reporting Information [Line Items]
Interest income	49	60
Operating Segments [Member] \| Payment Services [Member]
Segment Reporting Information [Line Items]
Interest income	0	0
Interest expense	0	0
Net interest income	0	0
Provision for loan losses	1	2
Other income	68	74
Other expense	35	45
Income before income tax expense	32	27
Operating Segments [Member] \| Payment Services [Member] \| Other [Member]
Segment Reporting Information [Line Items]
Interest income	0	0
Operating Segments [Member] \| Payment Services [Member] \| Credit Card Loans [Member]
Segment Reporting Information [Line Items]
Interest income	0	0
Operating Segments [Member] \| Payment Services [Member] \| Total Other Loans [Member] \| Private Student Loans [Member]
Segment Reporting Information [Line Items]
Interest income	0	0
Operating Segments [Member] \| Payment Services [Member] \| Total Other Loans [Member] \| Personal Loans [Member]
Segment Reporting Information [Line Items]
Interest income	0	0
Operating Segments [Member] \| Payment Services [Member] \| PCI Student Loans [Member]
Segment Reporting Information [Line Items]
Interest income	$ 0	$ 0

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