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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Millions
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Operating activities:    
Income from continuing operations, net of tax $ 1,404 $ 1,280
Net income 1,404 1,280
Adjustments to reconcile net income to net cash from operating activities:    
Provision for credit losses 2,369 2,683
Depreciation and amortization, net 812 806
Deferred tax provision 262 116
Loss (gain) on sales of loans (3) 13
Stock-based compensation expense 177 193
Other 48 31
Loans held for sale:    
Originations and purchases (1,208) (1,477)
Proceeds from sales and paydowns 724 610
Changes in operating assets and liabilities:    
Changes in interest receivable (67) (36)
Changes in other assets (9) (670)
Changes in interest payable (20) 113
Changes in other liabilities 178 (652)
Net cash from operating activities 4,667 3,010
Securities available for sale:    
Purchases (2,839) (2,732)
Proceeds from paydowns and maturities 3,073 2,397
Net changes in loans originated as held for investment 321 1,906
Principal recoveries of loans previously charged off 956 657
Changes in premises and equipment (348) (247)
Net cash used in other investing activities (318) (306)
Net cash from investing activities 845 1,675
Financing activities:    
Changes in deposits 4,678 2,620
Maturities and paydowns of securitized debt obligations (2,626) (367)
Issuance of senior and subordinated notes 1,742 1,992
Maturities and paydowns of senior and subordinated notes (3,447) (750)
Changes in other borrowings 7 27
Common stock:    
Net proceeds from issuances 93 80
Dividends paid (234) (235)
Preferred stock:    
Dividends paid (57) (57)
Purchases of treasury stock (375) (249)
Proceeds from share-based payment activities 1 1
Net cash from (used in) financing activities (218) 3,062
Changes in cash, cash equivalents and restricted cash for securitization investors 5,294 7,747
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period 43,671 43,755
Cash, cash equivalents and restricted cash for securitization investors, end of the period 48,965 51,502
Supplemental cash flow information:    
Interest paid 3,211 3,108
Income tax paid $ 3 $ 47