v3.26.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details)
$ in Millions
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 24, 2026
USD ($)
Jul. 20, 2026
USD ($)
Sep. 30, 2026
USD ($)
payment
Jun. 30, 2026
USD ($)
Mar. 31, 2026
Sep. 30, 2025
USD ($)
Sep. 30, 2026
USD ($)
payment
Sep. 30, 2025
USD ($)
Dec. 31, 2025
USD ($)
Loans Receivable [Line Items]                  
Net LHFI     $ 135,058       $ 135,058   $ 76,891
Financing receivable, accrued interest after allowance for credit loss statement of financial position extensible list not disclosed flag         accrued interest receivable   accrued interest receivable    
Accrued interest receivable     833       $ 833   $ 588
Financing receivable, loans sold $ 294 $ 124              
Reduction in allowance for credit loss, loans sold     19 $ 31          
Reserve on purchased loans at acquisition     856     $ 0 $ 895 $ 0  
Loss on sales of loans     $ 21 $ 24          
Credit risk assumptions, historical period             3 years    
Loans receivable, basis spread on variable rate         215   211    
Loans receivable, unemployment rate     4.60%       4.60%   5.50%
Total ACL, end of period     $ 6,762     6,199 $ 6,762 6,199  
Financing receivable, excluding accrued interest, allowance for credit loss, period increase (decrease)             $ 709    
Percentage of payment needed on past due loans for qualification             90.00%    
Gross charge-offs     1,198     1,200 $ 3,435 3,477  
Clean-up call                  
Loans Receivable [Line Items]                  
Financing receivable, purchased seasoned loan and purchased with credit deterioration, gross purchase amount             205    
Reserve on purchased loans at acquisition             39    
Financing receivable, purchased with credit deterioration, gross purchase amount             23    
Reserve for PCD loans purchased at acquisition date             10    
Consumer:                  
Loans Receivable [Line Items]                  
Reserve on purchased loans at acquisition     86     0 125 0  
Total ACL, end of period     5,458     5,669 5,458 5,669  
Financing receivable, excluding accrued interest, allowance for credit loss, period increase (decrease)             (80)    
Gross charge-offs     $ 1,136     1,163 3,323 3,359  
Consumer: | RICs and auto loans                  
Loans Receivable [Line Items]                  
Gross charge-offs             $ 3,262   $ 4,396
Number of deferred payments allowed | payment     3       3    
Number of deferred payments per period | payment     1       1    
Number of payments required to be eligible for deferred payment | payment     8       8    
Consumer: | RICs and auto loans | Extended Maturity For Non-Natural Disasters                  
Loans Receivable [Line Items]                  
Term increase from modification (up to)             8 months    
Consumer: | RICs and auto loans | Extended Maturity For Natural Disasters                  
Loans Receivable [Line Items]                  
Term increase from modification (up to)             12 months    
Consumer: | RICs and auto loans | Payment Deferral Only                  
Loans Receivable [Line Items]                  
Term increase from modification (up to)             8 months    
Consumer: | RICs and auto loans | All Other Modifications                  
Loans Receivable [Line Items]                  
Term increase from modification (up to)             36 months    
Consumer: | Marine and RV contracts | Extended Maturity                  
Loans Receivable [Line Items]                  
Term increase from modification (up to)             12 months    
Commercial:                  
Loans Receivable [Line Items]                  
Reserve on purchased loans at acquisition     $ 770     0 $ 770 0  
Total ACL, end of period     1,304     530 1,304 530  
Financing receivable, excluding accrued interest, allowance for credit loss, period increase (decrease)             (789)    
Gross charge-offs     62     $ 37 112 $ 118 144
Asset Pledged as Collateral                  
Loans Receivable [Line Items]                  
Net LHFI     $ 70,100       $ 70,100   $ 50,100