
	Three Months Ended October 31,				Nine Months Ended October 31,
(in thousands)	2022		2021		2022		2021
Interest income and fees	$	61,395	$	63,621	$	185,869	$	196,303
Insurance income	5,176		6,992		14,835		17,881
Other revenues	271		262		815		695
Total finance charges and other revenues	$	66,842	$	70,875	$	201,519	$	214,879

Interest income and fees and insurance income are derived from the credit segment operations, whereas other revenues are derived from the retail segment operations. Insurance income is comprised of sales commissions from third-party insurance companies that are recognized when coverage is sold and retrospective income paid by the insurance carrier if insurance claims are less than earned premiums.

During the three months ended October 31, 2022 and 2021, interest income and fees reflected provisions for uncollectible interest of $19.1 million and $10.5 million, respectively. The amounts included in interest income and fees related to TDR accounts for the three months ended October 31, 2022 and 2021 were $3.6 million and $5.8 million, respectively. During the nine months ended October 31, 2022 and 2021, interest income and fees reflected provisions for uncollectible interest and fees of $38.6 million and $25.5 million, respectively. The amounts included in interest income and fees related to TDR accounts for the nine months ended October 31, 2022 and 2021 were $11.5 million and $20.0 million, respectively.