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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Operating activities:    
Income from continuing operations, net of tax $ 3,654,000,000 $ 4,181,000,000
Net income 3,654,000,000 4,181,000,000
Adjustments to reconcile net income to net cash from operating activities:    
Provision for credit losses 9,074,000,000 7,569,000,000
Depreciation and amortization, net 2,423,000,000 2,428,000,000
Deferred tax benefit (501,000,000) (513,000,000)
Net securities losses 35,000,000 0
Loss on sales of loans 27,000,000 1,000,000
Stock-based compensation expense 425,000,000 372,000,000
Other 37,000,000 (46,000,000)
Loans held for sale:    
Originations and purchases (2,603,000,000) (3,990,000,000)
Proceeds from sales and paydowns 2,887,000,000 3,847,000,000
Changes in operating assets and liabilities:    
Changes in interest receivable (99,000,000) (350,000,000)
Changes in other assets 913,000,000 (483,000,000)
Changes in interest payable 56,000,000 158,000,000
Changes in other liabilities (617,000,000) 301,000,000
Net cash from operating activities 15,711,000,000 13,475,000,000
Securities available for sale:    
Purchases (11,677,000,000) (7,334,000,000)
Proceeds from paydowns and maturities 8,732,000,000 6,663,000,000
Proceeds from sales 175,000,000 0
Net changes in loans originated as held for investment (9,984,000,000) (8,827,000,000)
Principal recoveries of loans previously charged off 2,197,000,000 1,715,000,000
Changes in premises and equipment (848,000,000) (700,000,000)
Net cash used in acquisitions 0 (2,785,000,000)
Net cash used in other investing activities (756,000,000) (962,000,000)
Net cash used in investing activities (12,161,000,000) (12,230,000,000)
Financing activities:    
Changes in deposits 4,987,000,000 13,080,000,000
Issuance of securitized debt obligations 997,000,000 2,443,000,000
Maturities and paydowns of securitized debt obligations (3,434,000,000) (2,003,000,000)
Issuance of senior and subordinated notes 3,985,000,000 5,728,000,000
Maturities and paydowns of senior and subordinated notes (2,911,000,000) (4,886,000,000)
Changes in other borrowings (21,000,000) (369,000,000)
Common stock:    
Net proceeds from issuances 251,000,000 235,000,000
Dividends paid (700,000,000) (698,000,000)
Preferred stock:    
Dividends paid (171,000,000) (171,000,000)
Purchases of treasury stock (573,000,000) (560,000,000)
Proceeds from share-based payment activities 4,000,000 4,000,000
Net cash from financing activities 2,414,000,000 12,803,000,000
Changes in cash, cash equivalents and restricted cash for securitization investors 5,964,000,000 14,048,000,000
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period 43,755,000,000 31,256,000,000
Cash, cash equivalents and restricted cash for securitization investors, end of the period 49,719,000,000 45,304,000,000
Supplemental cash flow information:    
Interest paid 9,831,000,000 10,196,000,000
Income tax paid $ 563,000,000 $ 871,000,000