v3.26.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Consumer Lending Asset Quality Indicators-Credit Score (Details) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Dec. 31, 2025
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Total $ 141,755   $ 141,755   $ 82,891
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]          
Total 1,198 $ 1,200 3,435 $ 3,477  
Consumer          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Total 59,781   59,781   49,083
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]          
Total 1,136 $ 1,163 3,323 $ 3,359  
Consumer | RICs and auto loans          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year 14,896   14,896   15,956
Year Two 11,896   11,896   12,734
Year Three 8,943   8,943   6,677
Year Four 4,398   4,398   4,506
Year Five 2,640   2,640   1,955
Prior 1,261   1,261   908
Total $ 44,034   $ 44,034   $ 42,736
Total, percent 100.00%   100.00%   100.00%
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]          
Current Fiscal Year     $ 156   $ 436
Year Two     1,095   1,606
Year Three     951   1,143
Year Four     573   776
Year Five     325   271
Prior     162   164
Total     3,262   4,396
Consumer | RICs and auto loans | No FICO          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 1,187   1,187   1,295
Year Two 846   846   787
Year Three 500   500   338
Year Four 215   215   238
Year Five 137   137   88
Prior 52   52   44
Total $ 2,937   $ 2,937   $ 2,790
Total, percent 6.70%   6.70%   6.50%
Consumer | RICs and auto loans | Less than 600          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 5,854   $ 5,854   $ 6,495
Year Two 4,947   4,947   4,231
Year Three 2,991   2,991   2,372
Year Four 1,578   1,578   1,493
Year Five 892   892   614
Prior 424   424   348
Total $ 16,686   $ 16,686   $ 15,553
Total, percent 37.80%   37.80%   36.40%
Consumer | RICs and auto loans | 600-639          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 2,452   $ 2,452   $ 3,189
Year Two 2,380   2,380   2,411
Year Three 1,684   1,684   1,374
Year Four 903   903   900
Year Five 536   536   303
Prior 194   194   126
Total $ 8,149   $ 8,149   $ 8,303
Total, percent 18.50%   18.50%   19.40%
Consumer | RICs and auto loans | 640-679          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 1,369   $ 1,369   $ 1,867
Year Two 1,370   1,370   1,711
Year Three 1,193   1,193   864
Year Four 570   570   571
Year Five 340   340   176
Prior 114   114   70
Total $ 4,956   $ 4,956   $ 5,259
Total, percent 11.30%   11.30%   12.30%
Consumer | RICs and auto loans | 680-719          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 940   $ 940   $ 1,130
Year Two 822   822   1,148
Year Three 802   802   645
Year Four 425   425   395
Year Five 233   233   172
Prior 119   119   85
Total $ 3,341   $ 3,341   $ 3,575
Total, percent 7.60%   7.60%   8.40%
Consumer | RICs and auto loans | 720-759          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 580   $ 580   $ 616
Year Two 458   458   739
Year Three 524   524   418
Year Four 277   277   293
Year Five 169   169   166
Prior 109   109   75
Total $ 2,117   $ 2,117   $ 2,307
Total, percent 4.80%   4.80%   5.40%
Consumer | RICs and auto loans | >=760          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 2,514   $ 2,514   $ 1,364
Year Two 1,073   1,073   1,707
Year Three 1,249   1,249   666
Year Four 430   430   616
Year Five 333   333   436
Prior 249   249   160
Total $ 5,848   $ 5,848   $ 4,949
Total, percent 13.30%   13.30%   11.60%
Consumer | Personal unsecured loans          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 62   $ 62   $ 70
Year Two 56   56   59
Year Three 50   50   66
Year Four 52   52   65
Year Five 50   50   21
Prior 236   236   211
Total $ 506   $ 506   $ 492
Total, percent 100.00%   100.00%   100.00%
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]          
Current Fiscal Year     $ 0   $ 7
Year Two     7   38
Year Three     13   68
Year Four     13   31
Year Five     7   6
Prior     10   15
Total     50   165
Consumer | Personal unsecured loans | No FICO          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 24   24   13
Year Two 3   3   0
Year Three 4   4   0
Year Four 1   1   0
Year Five 0   0   0
Prior 2   2   0
Total $ 34   $ 34   $ 13
Total, percent 6.70%   6.70%   2.60%
Consumer | Personal unsecured loans | Less than 600          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 0   $ 0   $ 0
Year Two 0   0   0
Year Three 0   0   0
Year Four 0   0   0
Year Five 0   0   0
Prior 4   4   3
Total $ 4   $ 4   $ 3
Total, percent 0.80%   0.80%   0.60%
Consumer | Personal unsecured loans | 600-639          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 1   $ 1   $ 1
Year Two 1   1   1
Year Three 1   1   1
Year Four 1   1   1
Year Five 1   1   0
Prior 4   4   5
Total $ 9   $ 9   $ 9
Total, percent 1.80%   1.80%   1.80%
Consumer | Personal unsecured loans | 640-679          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 3   $ 3   $ 3
Year Two 4   4   5
Year Three 4   4   7
Year Four 5   5   7
Year Five 5   5   2
Prior 28   28   27
Total $ 49   $ 49   $ 51
Total, percent 9.70%   9.70%   10.40%
Consumer | Personal unsecured loans | 680-719          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 6   $ 6   $ 11
Year Two 11   11   16
Year Three 11   11   20
Year Four 14   14   16
Year Five 12   12   5
Prior 59   59   57
Total $ 113   $ 113   $ 125
Total, percent 22.30%   22.30%   25.40%
Consumer | Personal unsecured loans | 720-759          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 10   $ 10   $ 16
Year Two 15   15   17
Year Three 13   13   21
Year Four 15   15   22
Year Five 16   16   7
Prior 60   60   57
Total $ 129   $ 129   $ 140
Total, percent 25.50%   25.50%   28.50%
Consumer | Personal unsecured loans | >=760          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Current Fiscal Year $ 18   $ 18   $ 26
Year Two 22   22   20
Year Three 17   17   17
Year Four 16   16   19
Year Five 16   16   7
Prior 79   79   62
Total $ 168   $ 168   $ 151
Total, percent 33.20%   33.20%   30.60%