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ALLOWANCE FOR CREDIT LOSSES, NONACCRUING LOANS AND LEASES, AND CONCENTRATIONS OF CREDIT RISK - Summary of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2021 | Jun. 30, 2020 | Jun. 30, 2021 | Jun. 30, 2020
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  |  | $ 2,443 |
Charge-offs |  |  | (236) |
Provision charged to income | $ (213) | $ 464 | (353) | $ 1,064
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,947 |  | 1,947 |
Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 2,194 | 2,171 | 2,443 | 1,252
Charge-offs | (125) | (180) | (352) | (354)
Recoveries | 47 | 33 | 116 | 70
Net charge-offs | (78) | (147) | (236) | (284)
Provision charged to income | (169) | 424 | (260) | 1,027
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,947 | 2,448 | 1,947 | 2,448
Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 178 | 39 | 227 | 44
Provision for unfunded lending commitments | (44) | 40 | (93) | 37
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 134 | 79 | 134 | 79
Commercial |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Charge-offs |  |  | (30) |
Commercial | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 1,146 | 752 | 1,233 | 674
Charge-offs | (45) | (74) | (179) | (121)
Recoveries | 4 | 3 | 34 | 6
Net charge-offs | (41) | (71) | (145) | (115)
Provision charged to income | (152) | 554 | (135) | 852
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 953 | 1,235 | 953 | 1,235
Commercial | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 165 | 38 | 186 | 44
Provision for unfunded lending commitments | (44) | 31 | (65) | 28
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 121 | 69 | 121 | 69
Retail | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 1,048 | 1,419 | 1,210 | 578
Charge-offs | (80) | (106) | (173) | (233)
Recoveries | 43 | 30 | 82 | 64
Net charge-offs | (37) | (76) | (91) | (169)
Provision charged to income | (17) | (130) | (125) | 175
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 994 | 1,213 | 994 | 1,213
Retail | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 13 | 1 | 41 | 0
Provision for unfunded lending commitments | 0 | 9 | (28) | 9
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | $ 13 | 10 | $ 13 | 10
Cumulative Effect, Period Of Adoption, Adjustment | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 0 |  | 453
Cumulative Effect, Period Of Adoption, Adjustment | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 0 |  | (2)
Cumulative Effect, Period Of Adoption, Adjustment | Commercial | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 0 |  | (176)
Cumulative Effect, Period Of Adoption, Adjustment | Commercial | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 0 |  | (3)
Cumulative Effect, Period Of Adoption, Adjustment | Retail | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 0 |  | 629
Cumulative Effect, Period Of Adoption, Adjustment | Retail | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 0 |  | 1
Cumulative Effect, Period Of Adoption, Adjusted Balance | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 2,171 |  | 1,705
Cumulative Effect, Period Of Adoption, Adjusted Balance | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 39 |  | 42
Cumulative Effect, Period Of Adoption, Adjusted Balance | Commercial | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 752 |  | 498
Cumulative Effect, Period Of Adoption, Adjusted Balance | Commercial | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 38 |  | 41
Cumulative Effect, Period Of Adoption, Adjusted Balance | Retail | Allowance for loan and lease losses |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | 1,419 |  | 1,207
Cumulative Effect, Period Of Adoption, Adjusted Balance | Retail | Reserve for unfunded lending commitments |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance |  | $ 1 |  | $ 1

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