v3.26.1
Finance Receivables and Loans, Net - Schedule of Loan Modifications (Details)
$ in Millions
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
loan
Jun. 30, 2025
USD ($)
loan
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Dec. 31, 2025
USD ($)
Financing Receivable, Troubled Debt Restructuring              
Trial modifications, term     3 months        
Trial modifications, amount $ 8   $ 8   $ 8   $ 8
Total 240 $ 249 $ 486 $ 382      
Percentage of total     0.30% 0.30%      
Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total 2 3 $ 5 $ 6      
Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total 235 160 474 286      
Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 3 2 5 2      
Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total 0 83 0 83      
Combination              
Financing Receivable, Troubled Debt Restructuring              
Total 0 1 2 5      
Consumer              
Financing Receivable, Troubled Debt Restructuring              
Total 190 134 380 235 778 $ 459  
Consumer | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         604 365  
Consumer | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         113 60  
Consumer | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         40 22  
Consumer | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         21 12  
Consumer | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total 0 0 0 0      
Consumer | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total 187 131 373 229      
Consumer | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 3 2 5 2      
Consumer | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total 0 0 0 0      
Consumer | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total 0 1 2 4      
Consumer | Consumer automotive              
Financing Receivable, Troubled Debt Restructuring              
Total 187 132 $ 374 $ 231 766 454  
Number of loans redefaulted | loan     3,034 2,053      
Amortized cost of loans redefaulted     $ 68 $ 50      
Consumer | Consumer automotive | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         594 362  
Consumer | Consumer automotive | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         112 59  
Consumer | Consumer automotive | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         40 21  
Consumer | Consumer automotive | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         20 12  
Consumer | Consumer automotive | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 0      
Payment extensions, number of months extended/deferred 36 months 30 months 36 months 30 months      
Consumer | Consumer automotive | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 184 $ 130 $ 369 $ 228 756 447  
Consumer | Consumer automotive | Contractual maturity extensions | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         592 360  
Consumer | Consumer automotive | Contractual maturity extensions | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         112 59  
Consumer | Consumer automotive | Contractual maturity extensions | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         40 21  
Consumer | Consumer automotive | Contractual maturity extensions | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         12 7  
Consumer | Consumer automotive | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 3 2 5 2 9 5  
Principal forgiveness, amount forgiven 1 0 1 1      
Consumer | Consumer automotive | Principal forgiveness | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         1 0  
Consumer | Consumer automotive | Principal forgiveness | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer automotive | Principal forgiveness | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer automotive | Principal forgiveness | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         8 5  
Consumer | Consumer automotive | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 0      
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 0.00%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 0.00%      
Consumer | Consumer automotive | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 1 1 2  
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 13.40%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 7.80%      
Payment extensions, initial term       67 months      
Payment extensions, revised term       90 months      
Consumer | Consumer automotive | Combination | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         1 2  
Consumer | Consumer automotive | Combination | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer automotive | Combination | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer automotive | Combination | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer mortgage              
Financing Receivable, Troubled Debt Restructuring              
Total $ 3 $ 2 $ 6 $ 4 12 5  
Consumer | Consumer mortgage | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         10 3  
Consumer | Consumer mortgage | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         1 1  
Consumer | Consumer mortgage | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 1  
Consumer | Consumer mortgage | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         1 0  
Consumer | Consumer mortgage | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 0      
Payment extensions, number of months extended/deferred 162 months 167 months 168 months 175 months      
Consumer | Consumer mortgage | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 3 $ 1 $ 4 $ 1 6 2  
Consumer | Consumer mortgage | Contractual maturity extensions | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         5 0  
Consumer | Consumer mortgage | Contractual maturity extensions | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         1 1  
Consumer | Consumer mortgage | Contractual maturity extensions | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 1  
Consumer | Consumer mortgage | Contractual maturity extensions | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer mortgage | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 0 0 0 0      
Principal forgiveness, amount forgiven 0 0 0 0      
Consumer | Consumer mortgage | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 0 1    
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 0.00%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 0.00%      
Consumer | Consumer mortgage | Interest rate concessions | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         0    
Consumer | Consumer mortgage | Interest rate concessions | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0    
Consumer | Consumer mortgage | Interest rate concessions | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0    
Consumer | Consumer mortgage | Interest rate concessions | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         1    
Consumer | Consumer mortgage | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 1 $ 2 $ 3 5 3  
Payment extensions, number of months extended/deferred   155 months 159 months 155 months      
Interest rate concessions, initial rate 0.00% 2.90% 3.80% 3.60%      
Interest rate concessions, revised rate 0.00% 2.00% 2.00% 2.30%      
Payment extensions, initial term   317 months 291 months 305 months      
Payment extensions, revised term   420 months 402 months 447 months      
Consumer | Consumer mortgage | Combination | Current              
Financing Receivable, Troubled Debt Restructuring              
Total         5 3  
Consumer | Consumer mortgage | Combination | 30–59 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer mortgage | Combination | 60–89 days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Consumer | Consumer mortgage | Combination | 90 or more days past due              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial              
Financing Receivable, Troubled Debt Restructuring              
Total $ 50 $ 115 $ 106 $ 147 234 187  
Commercial | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         98 39  
Commercial | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         112 29  
Commercial | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         21 118  
Commercial | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         3 1  
Commercial | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total $ 2 $ 3 $ 5 $ 6      
Payment extensions, number of months extended/deferred 37 months 12 months 27 months 14 months      
Commercial | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 48 $ 29 $ 101 $ 57      
Commercial | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 0 0 0 0      
Principal forgiveness, amount forgiven 0 0 0 0      
Commercial | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 83 $ 0 $ 83      
Interest rate concessions, initial rate 0.00% 11.80% 0.00% 11.80%      
Interest rate concessions, revised rate 0.00% 7.20% 0.00% 7.20%      
Commercial | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 1      
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 5.00%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 3.00%      
Payment extensions, initial term       29 months      
Payment extensions, revised term       34 months      
Commercial | Consumer automotive              
Financing Receivable, Troubled Debt Restructuring              
Total   $ 67 $ 3 $ 67 3 67  
Commercial | Consumer automotive | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Consumer automotive | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Consumer automotive | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         2 67  
Commercial | Consumer automotive | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         1 0  
Commercial | Consumer automotive | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total   $ 3 $ 3 $ 3 3 3  
Payment extensions, number of months extended/deferred   10 months 10 months 10 months      
Commercial | Consumer automotive | Payment deferrals | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Consumer automotive | Payment deferrals | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Consumer automotive | Payment deferrals | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         2 3  
Commercial | Consumer automotive | Payment deferrals | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         1 0  
Commercial | Consumer automotive | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total   $ 0 $ 0 $ 0      
Commercial | Consumer automotive | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total   0 0 0      
Principal forgiveness, amount forgiven   0 0 0      
Commercial | Consumer automotive | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total   $ 64 $ 0 $ 64   64  
Interest rate concessions, initial rate   12.10% 0.00% 12.10%      
Interest rate concessions, revised rate   7.60% 0.00% 7.60%      
Commercial | Consumer automotive | Interest rate concessions | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Consumer automotive | Interest rate concessions | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Consumer automotive | Interest rate concessions | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total           64  
Commercial | Consumer automotive | Interest rate concessions | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Consumer automotive | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total   $ 0 $ 0 $ 0      
Interest rate concessions, initial rate   0.00% 0.00% 0.00%      
Interest rate concessions, revised rate   0.00% 0.00% 0.00%      
Commercial | Other              
Financing Receivable, Troubled Debt Restructuring              
Total $ 48 $ 29 $ 101 $ 60 226 100  
Commercial | Other | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         98 39  
Commercial | Other | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         109 29  
Commercial | Other | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         19 32  
Commercial | Other | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Other | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 3 33 4  
Payment extensions, number of months extended/deferred 38 months 12 months 28 months 14 months      
Commercial | Other | Payment deferrals | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         33 0  
Commercial | Other | Payment deferrals | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Other | Payment deferrals | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         0 4  
Commercial | Other | Payment deferrals | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Other | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 48 $ 29 $ 101 $ 57 193 82  
Commercial | Other | Contractual maturity extensions | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         65 25  
Commercial | Other | Contractual maturity extensions | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         109 29  
Commercial | Other | Contractual maturity extensions | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         19 28  
Commercial | Other | Contractual maturity extensions | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Other | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 0 0 0 0      
Principal forgiveness, amount forgiven 0 0 0 0      
Commercial | Other | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 0      
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 0.00%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 0.00%      
Commercial | Other | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 0   14  
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 0.00%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 0.00%      
Commercial | Other | Combination | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total           14  
Commercial | Other | Combination | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Other | Combination | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Other | Combination | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate              
Financing Receivable, Troubled Debt Restructuring              
Total $ 2 $ 19 $ 2 $ 20 5 20  
Commercial | Commercial real estate | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         0 0  
Commercial | Commercial real estate | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         3 0  
Commercial | Commercial real estate | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         0 19  
Commercial | Commercial real estate | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         2 1  
Commercial | Commercial real estate | Payment deferrals              
Financing Receivable, Troubled Debt Restructuring              
Total $ 2 0 $ 2 0 5    
Payment extensions, number of months extended/deferred 8 months   8 months        
Commercial | Commercial real estate | Payment deferrals | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total         0    
Commercial | Commercial real estate | Payment deferrals | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total         3    
Commercial | Commercial real estate | Payment deferrals | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total         0    
Commercial | Commercial real estate | Payment deferrals | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total         $ 2    
Commercial | Commercial real estate | Contractual maturity extensions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 0 $ 0 0      
Commercial | Commercial real estate | Principal forgiveness              
Financing Receivable, Troubled Debt Restructuring              
Total 0 0 0 0      
Principal forgiveness, amount forgiven 0 0 0 0      
Commercial | Commercial real estate | Interest rate concessions              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 19 $ 0 $ 19   19  
Interest rate concessions, initial rate 0.00% 10.70% 0.00% 10.70%      
Interest rate concessions, revised rate 0.00% 5.70% 0.00% 5.70%      
Commercial | Commercial real estate | Interest rate concessions | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate | Interest rate concessions | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate | Interest rate concessions | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total           19  
Commercial | Commercial real estate | Interest rate concessions | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate | Combination              
Financing Receivable, Troubled Debt Restructuring              
Total $ 0 $ 0 $ 0 $ 1   1  
Interest rate concessions, initial rate 0.00% 0.00% 0.00% 5.00%      
Interest rate concessions, revised rate 0.00% 0.00% 0.00% 3.00%      
Payment extensions, initial term       29 months      
Payment extensions, revised term       34 months      
Commercial | Commercial real estate | Combination | Pass              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate | Combination | Special mention              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate | Combination | Substandard              
Financing Receivable, Troubled Debt Restructuring              
Total           0  
Commercial | Commercial real estate | Combination | Doubtful              
Financing Receivable, Troubled Debt Restructuring              
Total           $ 1