The changes in each component of Accumulated other comprehensive loss, net of tax effects, are as follows for the periods presented:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended September 30, 2026 | | Net Unrealized
Losses
on AFS Securities | | Net Unrealized
Gains on Cash
Flow Hedges | | | | Foreign
Currency
Translation
Adjustments | | Accumulated Other Comprehensive Loss | | (Millions) | | | | | | | | | | | | Balance as of June 30, 2026 | | $ | (15) | | | $ | 1 | | | | | $ | (3) | | | $ | (17) | | | Changes in other comprehensive loss | | (8) | | | — | | | | | — | | | (8) | | | Balance as of September 30, 2026 | | $ | (23) | | | $ | 1 | | | | | $ | (3) | | | $ | (25) | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended September 30, 2025 | | Net Unrealized
Losses
on AFS Securities | | Net Unrealized
Gains on Cash
Flow Hedges | | | | Foreign
Currency
Translation
Adjustments | | Accumulated Other Comprehensive Loss | | (Millions) | | | | | | | | | | | | Balance as of June 30, 2025 | | $ | (17) | | | $ | 1 | | | | | $ | (3) | | | $ | (19) | | | Changes in other comprehensive income | | 3 | | | — | | | | | — | | | 3 | | | Balance as of September 30, 2025 | | $ | (14) | | | $ | 1 | | | | | $ | (3) | | | $ | (16) | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Nine Months Ended September 30, 2026 | | Net Unrealized
Losses
on AFS Securities | | Net Unrealized
Gains on Cash
Flow Hedges | | | | Foreign
Currency
Translation
Adjustments | | Accumulated Other Comprehensive Loss | | (Millions) | | | | | | | | | | | | Balance as of December 31, 2025 | | $ | (14) | | | $ | 1 | | | | | $ | (3) | | | $ | (16) | | | Changes in other comprehensive loss | | (9) | | | — | | | | | — | | | (9) | | | Balance as of September 30, 2026 | | $ | (23) | | | $ | 1 | | | | | $ | (3) | | | $ | (25) | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Nine Months Ended September 30, 2025 | | Net Unrealized
Losses
on AFS Securities | | Net Unrealized
Gains on Cash
Flow Hedges | | | | Foreign
Currency
Translation
Adjustments | | Accumulated Other Comprehensive Loss | | (Millions) | | | | | | | | | | | | Balance as of December 31, 2024 | | $ | (19) | | | $ | — | | | | | $ | (3) | | | $ | (22) | | | Changes in other comprehensive income | | 5 | | | 1 | | | | | — | | | 6 | | | Balance as of September 30, 2025 | | $ | (14) | | | $ | 1 | | | | | $ | (3) | | | $ | (16) | |
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