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v3.25.0.1

COMMITMENTS AND CONTINGENCIES (Details) | 1 Months Ended | 12 Months Ended
--- | --- | ---
Jan. 31, 2025 USD ($) | Dec. 31, 2024 USD ($) | Dec. 31, 2023 USD ($) | Dec. 31, 2022 USD ($) | Dec. 31, 2017 claim consumer
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Change in control event, voting stock acquired (or more) |  | 20.00% |  |  |
Conditional payment for unrecognized severance benefit for key executives |  | $ 37,100,000 |  |  |
Relative total shareholder return, period |  | 3 years |  |  |
Conditional payout percentage of target award |  | 100.00% |  |  |
Accrual related to indemnifications |  | $ 0 | $ 0 |  |
Subsequent Event |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Civil money penalty | $ 15,000,000 |  |  |  |
Google Agreement |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Expected future year's minimum contractual obligation |  | 840,000,000 |  |  |
Expected future year's minimum contractual obligation within any annual period |  | 228,000,000 |  |  |
Cash paid for data processing, outsourcing services and other agreements |  | $ 198,000,000 | $ 171,000,000 | $ 152,000,000 |
Minimum |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Benefit continuation period |  | 2 years |  |  |
Maximum |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Debt instrument, term |  | 1 year |  |  |
Data Processing, Outsourcing Services And Other Agreements | Minimum |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Data processing, outsourcing services and other agreements, expiration year |  | 2025 |  |  |
Data processing, outsourcing services and other agreements, estimated aggregate contractual obligation |  | $ 1,400,000,000 |  |  |
Non cancelable contractual obligations within any annual period |  | $ 521,000,000 |  |  |
Data Processing, Outsourcing Services And Other Agreements | Maximum |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Data processing, outsourcing services and other agreements, expiration year |  | 2030 |  |  |
Canada |  |  |  |  |
Commitments and Contingencies Disclosure [Line Items] |  |  |  |  |
Pending claims, number | claim |  |  |  |  | 5
Pending national claims, number | claim |  |  |  |  | 4
Loss contingency, number of plaintiffs | consumer |  |  |  |  | 19,000

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