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ALLOWANCE FOR CREDIT LOSSES, NONACCRUAL LOANS AND LEASES, AND CONCENTRATIONS OF CREDIT RISK - Summary of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2021 | Sep. 30, 2020 | Sep. 30, 2021 | Sep. 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 |  |  | (280) |
Provision charged to income | $ (33) | $ 428 | (386) | $ 1,492
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,855 |  | 1,855 |
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 | 1,947 | 2,448 | 2,443 | 1,252
Charge-offs | (87) | (257) | (439) | (611)
Recoveries | 43 | 38 | 159 | 108
Net charge-offs | (44) | (219) | (280) | (503)
Provision charged to income | (48) | 313 | (308) | 1,340
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,855 | 2,542 | 1,855 | 2,542
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 | 134 | 79 | 227 | 44
Provision for unfunded lending commitments | 15 | 115 | (78) | 152
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 149 | 194 | 149 | 194
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 | 953 | 1,235 | 1,233 | 674
Charge-offs | (17) | (171) | (196) | (292)
Recoveries | 3 | 1 | 37 | 7
Net charge-offs | (14) | (170) | (159) | (285)
Provision charged to income | (72) | 224 | (207) | 1,076
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 867 | 1,289 | 867 | 1,289
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 | 121 | 69 | 186 | 44
Provision for unfunded lending commitments | 9 | 83 | (56) | 111
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 130 | 152 | 130 | 152
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 | 994 | 1,213 | 1,210 | 578
Charge-offs | (70) | (86) | (243) | (319)
Recoveries | 40 | 37 | 122 | 101
Net charge-offs | (30) | (49) | (121) | (218)
Provision charged to income | 24 | 89 | (101) | 264
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 988 | 1,253 | 988 | 1,253
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 | 10 | 41 | 0
Provision for unfunded lending commitments | 6 | 32 | (22) | 41
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | $ 19 | 42 | $ 19 | 42
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 |  | 2,448 |  | 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 |  | 79 |  | 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 |  | 1,235 |  | 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 |  | 69 |  | 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 |  | 1,213 |  | 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 |  | $ 10 |  | $ 1

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