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Finance Receivables and Loans, Net (Tables) | 6 Months Ended
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Jun. 30, 2020
Financing Receivable, Credit Quality Indicator [Line Items] |
Schedule of Accounts, Notes, Loans and Financing Receivable | The composition of finance receivables and loans reported at amortized cost basis was as follows.
($ in millions) |  | June 30, 2020 |  | December 31, 2019
Consumer automotive (a) |  | $ | 72,712 |  |  | $ | 72,390 |
Consumer mortgage |  |  |  |
Mortgage Finance (b) |  | 16,429 |  |  | 16,181 |
Mortgage — Legacy (c) |  | 984 |  |  | 1,141 |
Total consumer mortgage |  | 17,413 |  |  | 17,322 |
Consumer other (d) |  | 240 |  |  | 212 |
Total consumer |  | 90,365 |  |  | 89,924 |
Commercial |  |  |  |
Commercial and industrial |  |  |  |
Automotive |  | 17,755 |  |  | 28,332 |
Other |  | 5,315 |  |  | 5,014 |
Commercial real estate |  | 4,799 |  |  | 4,961 |
Total commercial |  | 27,869 |  |  | 38,307 |
Total finance receivables and loans (e) (f) |  | $ | 118,234 |  |  | $ | 128,231 |
(a) | Certain finance receivables and loans are included in fair value hedging relationships. Refer to Note 18 for additional information.
(b) | Includes loans originated as interest-only mortgage loans of $8 million and $11 million at June 30, 2020, and December 31, 2019, respectively, 33% of which are expected to start principal amortization in 2020. The remainder of these loans have exited the interest-only period.
(c) | Includes loans originated as interest-only mortgage loans of $171 million and $212 million at June 30, 2020, and December 31, 2019, respectively, of which 99% have exited the interest-only period.
(d) | Includes $8 million and $11 million of finance receivables at June 30, 2020, and December 31, 2019, respectively, for which we have elected the fair value option.
(e) | Totals include net unearned income, unamortized premiums and discounts, and deferred fees and costs of $2.0 billion at June 30, 2020.
(f) Totals do not include accrued interest receivable, which was $995 million and $488 million at June 30, 2020, and December 31, 2019, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.
Allowance for Credit Losses on Financing Receivables | The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans for the three and six months ended June 30, 2020, and includes the cumulative effect of adopting ASU 2016-13.
Three months ended June 30, 2020 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Consumer other (a) |  | Commercial |  | Total
Allowance at April 1, 2020 |  | $ | 2,833 |  |  | $ | 39 |  |  | $ | 45 |  |  | $ | 328 |  |  | $ | 3,245 |
Charge-offs (b) |  | (245 | ) |  | (2 | ) |  | (4 | ) |  | (40 | ) |  | (291 | )
Recoveries |  | 108 |  |  | 4 |  |  | — |  |  | 1 |  |  | 113 |
Net charge-offs |  | (137 | ) |  | 2 |  |  | (4 | ) |  | (39 | ) |  | (178 | )
Provision for credit losses |  | 269 |  |  | 1 |  |  | 6 |  |  | 11 |  |  | 287 |
Other |  | (2 | ) |  | — |  |  | 2 |  |  | — |  |  | — |
Allowance at June 30, 2020 |  | $ | 2,963 |  |  | $ | 42 |  |  | $ | 49 |  |  | $ | 300 |  |  | $ | 3,354 |
(a) | Excludes $8 million of finance receivables at June 30, 2020, for which we have elected the fair value option.
(b) | Represents the amount of the amortized cost basis directly written off. For consumer and commercial loans, the loss from a charge-off is measured as the difference between the amortized cost basis of a loan and the fair value of the collateral, less costs to sell. Refer to Note 1 for more information regarding our charge-off policies.
Six months ended June 30, 2020 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Consumer other (a) |  | Commercial |  | Total
Allowance at December 31, 2019 |  | $ | 1,075 |  |  | $ | 46 |  |  | $ | 9 |  |  | $ | 133 |  |  | $ | 1,263 |
Cumulative effect of the adoption of Accounting Standards Update 2016-13 |  | 1,334 |  |  | (6 | ) |  | 16 |  |  | 2 |  |  | 1,346 |
Allowance at January 1, 2020 |  | 2,409 |  |  | 40 |  |  | 25 |  |  | 135 |  |  | 2,609 |
Charge-offs (b) |  | (618 | ) |  | (5 | ) |  | (9 | ) |  | (43 | ) |  | (675 | )
Recoveries |  | 219 |  |  | 9 |  |  | 1 |  |  | 2 |  |  | 231 |
Net charge-offs |  | (399 | ) |  | 4 |  |  | (8 | ) |  | (41 | ) |  | (444 | )
Provision for credit losses |  | 954 |  |  | (2 | ) |  | 31 |  |  | 207 |  |  | 1,190 |
Other |  | (1 | ) |  | — |  |  | 1 |  |  | (1 | ) |  | (1 | )
Allowance at June 30, 2020 |  | $ | 2,963 |  |  | $ | 42 |  |  | $ | 49 |  |  | $ | 300 |  |  | $ | 3,354 |
(a) | Excludes $8 million and $11 million of finance receivables at June 30, 2020, and December 31, 2019, respectively, for which we have elected the fair value option.
(b) | Represents the amount of the amortized cost basis directly written off. For consumer and commercial loans, the loss from a charge-off is measured as the difference between the amortized cost basis of a loan and the fair value of the collateral, less costs to sell. Refer to Note 1 for more information regarding our charge-off policies.
The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans for the three and six months ended June 30, 2019, prior to the adoption of ASU 2016-13, as defined by the previous accounting guidance in effect at that time.
Three months ended June 30, 2019 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Commercial |  | Total
Allowance at April 1, 2019 |  | $ | 1,070 |  |  | $ | 52 |  |  | $ | 166 |  |  | $ | 1,288 |
Charge-offs (a) |  | (301 | ) |  | (5 | ) |  | (12 | ) |  | (318 | )
Recoveries |  | 129 |  |  | 7 |  |  | — |  |  | 136 |
Net charge-offs |  | (172 | ) |  | 2 |  |  | (12 | ) |  | (182 | )
Provision for loan losses |  | 180 |  |  | (5 | ) |  | 2 |  |  | 177 |
Other |  | — |  |  | — |  |  | (1 | ) |  | (1 | )
Allowance at June 30, 2019 |  | $ | 1,078 |  |  | $ | 49 |  |  | $ | 155 |  |  | $ | 1,282 |
(a) | Represents the amount of the amortized cost basis directly written off. For consumer and commercial loans, the loss from a charge-off is measured as the difference between the amortized cost basis of a loan and the fair value of the collateral, less costs to sell. Refer to Note 1 to the Consolidated Financial Statements in our 2019 Annual Report on Form 10-K for more information regarding our charge-off policies.
Six months ended June 30, 2019 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Commercial |  | Total
Allowance at January 1, 2019 |  | $ | 1,048 |  |  | $ | 53 |  |  | $ | 141 |  |  | $ | 1,242 |
Charge-offs (a) |  | (653 | ) |  | (8 | ) |  | (17 | ) |  | (678 | )
Recoveries |  | 247 |  |  | 12 |  |  | — |  |  | 259 |
Net charge-offs |  | (406 | ) |  | 4 |  |  | (17 | ) |  | (419 | )
Provision for credit losses |  | 437 |  |  | (8 | ) |  | 30 |  |  | 459 |
Other |  | (1 | ) |  | — |  |  | 1 |  |  | — |
Allowance at June 30, 2019 |  | $ | 1,078 |  |  | $ | 49 |  |  | $ | 155 |  |  | $ | 1,282 |
Allowance for loan losses at June 30, 2019 |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 42 |  |  | $ | 20 |  |  | $ | 49 |  |  | $ | 111 |
Collectively evaluated for impairment |  | 1,036 |  |  | 29 |  |  | 106 |  |  | 1,171 |
Finance receivables and loans at gross carrying value |  |  |  |  |  |  |  |
Ending balance |  | $ | 72,898 |  |  | $ | 17,800 |  |  | $ | 38,512 |  |  | $ | 129,210 |
Individually evaluated for impairment |  | 496 |  |  | 220 |  |  | 196 |  |  | 912 |
Collectively evaluated for impairment |  | 72,402 |  |  | 17,580 |  |  | 38,316 |  |  | 128,298 |
(a) Represents the amount of the amortized cost basis directly written off. For consumer and commercial loans, the loss from a charge-off is measured as the difference between the amortized cost basis of a loan and the fair value of the collateral, less costs to sell. Refer to Note 1 to the Consolidated Financial Statements in our 2019 Annual Report on Form 10-K for more information regarding our charge-off policies.
Schedule Of Sales Of Financing Receivables And Loans | The following table presents information about significant sales of finance receivables and loans and transfers of finance receivables and loans from held-for-investment to held-for-sale based on net carrying value.
|  | Three months ended June 30, |  | Six months ended June 30,
($ in millions) |  | 2020 |  | 2019 |  | 2020 |  | 2019
Consumer automotive |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |
Total sales and transfers (a) |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |
(a) During the six months ended June 30, 2019, we also sold $131 million of loans held-for-sale that were initially classified as finance receivables and loans held-for-investment and were transferred to held-for-sale during 2018, and transferred $79 million of finance receivables from held-for-sale to held-for-investment, both relating to equipment finance receivables from our commercial automotive business.
Schedule of Purchases of Financing Receivables and Loans | The following table presents information about significant purchases of finance receivables and loans based on unpaid principal balance at the time of purchase.
|  | Three months ended June 30, |  | Six months ended June 30,
($ in millions) |  | 2020 |  | 2019 |  | 2020 |  | 2019
Consumer automotive |  | $ | 635 |  |  | $ | 218 |  |  | $ | 995 |  |  | $ | 317 |
Consumer mortgage |  | 1,870 |  |  | 678 |  |  | 2,354 |  |  | 1,913 |
Commercial |  | 1 |  |  | 3 |  |  | 1 |  |  | 3 |
Total purchases of finance receivables and loans |  | $ | 2,506 |  |  | $ | 899 |  |  | $ | 3,350 |  |  | $ | 2,233 |
Schedule of Financing Receivables, Non Accrual Status | The following table presents the amortized cost of our finance receivables and loans on nonaccrual status as of the beginning or end of the three months and six months ended June 30, 2020. All consumer or commercial finance receivables and loans that were 90 days or more past due were on nonaccrual status as of June 30, 2020, and December 31, 2019.
|  |  |  |  |  | June 30, 2020
($ in millions) |  | Nonaccrual status at Jan. 1, 2020 |  | Nonaccrual status at April 1, 2020 |  | Nonaccrual status |  | Nonaccrual with no allowance (a)
Consumer automotive |  | $ | 762 |  |  | $ | 1,077 |  |  | $ | 1,250 |  |  | $ | 633 |
Consumer mortgage |  |  |  |  |  |  |  |
Mortgage Finance |  | 17 |  |  | 22 |  |  | 27 |  |  | 6 |
Mortgage — Legacy |  | 40 |  |  | 40 |  |  | 36 |  |  | 28 |
Total consumer mortgage |  | 57 |  |  | 62 |  |  | 63 |  |  | 34 |
Consumer other |  | 2 |  |  | 1 |  |  | 1 |  |  | — |
Total consumer |  | 821 |  |  | 1,140 |  |  | 1,314 |  |  | 667 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |
Automotive |  | 73 |  |  | 86 |  |  | 80 |  |  | 13 |
Other |  | 138 |  |  | 162 |  |  | 132 |  |  | 78 |
Commercial real estate |  | 4 |  |  | 8 |  |  | 6 |  |  | 6 |
Total commercial |  | 215 |  |  | 256 |  |  | 218 |  |  | 97 |
Total consumer and commercial finance receivables and loans |  | $ | 1,036 |  |  | $ | 1,396 |  |  | $ | 1,532 |  |  | $ | 764 |
(a) Represents a component of nonaccrual status at end of period.
Impaired Financing Receivables | The following table presents information about our impaired finance receivables and loans at December 31, 2019, prior to the date of adoption of the amendments to the credit loss standard and as defined by the previous accounting guidance in effect at that time.
December 31, 2019 ($ in millions) |  | Unpaid principal balance (a) |  | Gross carrying value |  | Impaired with no allowance |  | Impaired with an allowance |  | Allowance for impaired loans
Consumer automotive |  | $ | 553 |  |  | $ | 538 |  |  | $ | 113 |  |  | $ | 425 |  |  | $ | 38 |
Consumer mortgage |  |  |  |  |  |  |  |  |  |
Mortgage Finance |  | 14 |  |  | 14 |  |  | 6 |  |  | 8 |  |  | — |
Mortgage — Legacy |  | 199 |  |  | 194 |  |  | 64 |  |  | 130 |  |  | 18 |
Total consumer mortgage |  | 213 |  |  | 208 |  |  | 70 |  |  | 138 |  |  | 18 |
Total consumer |  | 766 |  |  | 746 |  |  | 183 |  |  | 563 |  |  | 56 |
Commercial |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |
Automotive |  | 73 |  |  | 73 |  |  | 1 |  |  | 72 |  |  | 12 |
Other |  | 170 |  |  | 138 |  |  | 73 |  |  | 65 |  |  | 21 |
Commercial real estate |  | 4 |  |  | 4 |  |  | 4 |  |  | — |  |  | — |
Total commercial |  | 247 |  |  | 215 |  |  | 78 |  |  | 137 |  |  | 33 |
Total consumer and commercial finance receivables and loans |  | $ | 1,013 |  |  | $ | 961 |  |  | $ | 261 |  |  | $ | 700 |  |  | $ | 89 |
(a) Adjusted for charge-offs.
Schedule of Average Balance And Interest Income Of Impaired Finance Receivables | The following table presents average balance and interest income for our impaired finance receivables and loans for the three months and six months ended June 30, 2019, prior to the date of adoption of the amendments to the credit loss standard and as defined by the previous accounting guidance in effect at that time.
|  | Three months ended June 30, 2019 |  | Six months ended June 30, 2019
($ in millions) |  | Average balance |  | Interest income |  | Average balance |  | Interest income
Consumer automotive |  | $ | 498 |  |  | $ | 9 |  |  | $ | 498 |  |  | $ | 17 |
Consumer mortgage |  |  |  |  |  |  |  |
Mortgage Finance |  | 14 |  |  | — |  |  | 15 |  |  | — |
Mortgage — Legacy |  | 209 |  |  | 2 |  |  | 211 |  |  | 5 |
Total consumer mortgage |  | 223 |  |  | 2 |  |  | 226 |  |  | 5 |
Total consumer |  | 721 |  |  | 11 |  |  | 724 |  |  | 22 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |
Automotive |  | 113 |  |  | — |  |  | 143 |  |  | 1 |
Other |  | 108 |  |  | — |  |  | 117 |  |  | — |
Commercial real estate |  | 6 |  |  | — |  |  | 6 |  |  | — |
Total commercial |  | 227 |  |  | — |  |  | 266 |  |  | 1 |
Total consumer and commercial finance receivables and loans |  | $ | 948 |  |  | $ | 11 |  |  | $ | 990 |  |  | $ | 23 |
Schedule Of Pass And Criticized Credit Quality Indicators Of Finance Receivables | The following table presents historical credit quality indicators for our commercial finance receivables and loans at December 31, 2019, prior to the date of adoption of the amendments to the credit loss standard and as defined by the previous accounting guidance in effect at that time.
|  | December 31, 2019
($ in millions) |  | Pass |  | Criticized (a) |  | Total
Commercial and industrial |  |  |  |  |  |
Automotive |  | $ | 25,235 |  |  | $ | 3,097 |  |  | $ | 28,332 |
Other |  | 4,225 |  |  | 789 |  |  | 5,014 |
Commercial real estate |  | 4,620 |  |  | 341 |  |  | 4,961 |
Total commercial |  | $ | 34,080 |  |  | $ | 4,227 |  |  | $ | 38,307 |
(a) Includes loans classified as special mention, substandard, or doubtful. These classifications are based on regulatory definitions and generally represent loans within our portfolio that have a higher default risk or have already defaulted.
Troubled Debt Restructurings on Financing Receivables | The following tables present information related to finance receivables and loans recorded at amortized cost modified in connection with a TDR during the period.
|  | 2020 |  | 2019
Three months ended June 30, ($ in millions) |  | Number of loans |  | Pre-modification amortized cost basis |  | Post-modification amortized cost basis |  | Number of loans |  | Pre-modification amortized cost basis |  | Post-modification amortized cost basis
Consumer automotive (a) |  | 21,293 |  |  | $ | 323 |  |  | $ | 297 |  |  | 5,598 |  |  | $ | 96 |  |  | $ | 85 |
Consumer mortgage |  |  |  |  |  |  |  |  |  |  |  |
Mortgage Finance (b) |  | 19 |  |  | 11 |  |  | 11 |  |  | 2 |  |  | — |  |  | — |
Mortgage — Legacy (c) |  | 23 |  |  | 3 |  |  | 3 |  |  | 18 |  |  | 3 |  |  | 3 |
Total consumer mortgage |  | 42 |  |  | 14 |  |  | 14 |  |  | 20 |  |  | 3 |  |  | 3 |
Total consumer |  | 21,335 |  |  | 337 |  |  | 311 |  |  | 5,618 |  |  | 99 |  |  | 88 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automotive |  | 2 |  |  | 31 |  |  | 26 |  |  | — |  |  | — |  |  | — |
Other |  | 1 |  |  | 23 |  |  | 7 |  |  | 1 |  |  | 22 |  |  | 6 |
Total commercial |  | 3 |  |  | 54 |  |  | 33 |  |  | 1 |  |  | 22 |  |  | 6 |
Total consumer and commercial finance receivables and loans |  | 21,338 |  |  | $ | 391 |  |  | $ | 344 |  |  | 5,619 |  |  | $ | 121 |  |  | $ | 94 |
(a) | Includes 13,615 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $191 million at June 30, 2020.
(b) | Includes 19 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $11 million at June 30, 2020.
(c) | Includes 20 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $2 million at June 30, 2020.
|  | 2020 |  | 2019
Six months ended June 30, ($ in millions) |  | Number of loans |  | Pre-modification amortized cost basis |  | Post-modification amortized cost basis |  | Number of loans |  | Pre-modification amortized cost basis |  | Post-modification amortized cost basis
Consumer automotive (a) |  | 44,093 |  |  | $ | 663 |  |  | $ | 615 |  |  | 13,025 |  |  | $ | 225 |  |  | $ | 196 |
Consumer mortgage |  |  |  |  |  |  |  |  |  |  |  |
Mortgage Finance (b) |  | 29 |  |  | 15 |  |  | 15 |  |  | 3 |  |  | — |  |  | — |
Mortgage — Legacy (c) |  | 55 |  |  | 7 |  |  | 7 |  |  | 38 |  |  | 6 |  |  | 6 |
Total consumer mortgage |  | 84 |  |  | 22 |  |  | 22 |  |  | 41 |  |  | 6 |  |  | 6 |
Total consumer |  | 44,177 |  |  | 685 |  |  | 637 |  |  | 13,066 |  |  | 231 |  |  | 202 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |
Automotive |  | 3 |  |  | 38 |  |  | 33 |  |  | 6 |  |  | 41 |  |  | 41 |
Other |  | 1 |  |  | 23 |  |  | 7 |  |  | 1 |  |  | 22 |  |  | 6 |
Total commercial |  | 4 |  |  | 61 |  |  | 40 |  |  | 7 |  |  | 63 |  |  | 47 |
Total consumer and commercial finance receivables and loans |  | 44,181 |  |  | $ | 746 |  |  | $ | 677 |  |  | 13,073 |  |  | $ | 294 |  |  | $ | 249 |
(a) | Includes 30,382 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $429 million at June 30, 2020.
(b) | Includes 27 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $14 million at June 30, 2020.
(c) Includes 35 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $4 million at June 30, 2020.
Finance receivables and loans redefaulted during the period | loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $429 million at June 30, 2020.
(b) | Includes 27 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $14 million at June 30, 2020.
(c) | Includes 35 loans modified as a result of COVID-19 with both a pre-modification and post-modification amount of $4 million at June 30, 2020.
The following tables present information about finance receivables and loans recorded at amortized cost that have redefaulted during the reporting period and were within 12 months or less of being modified as a TDR. Redefault is when finance receivables and loans meet the requirements for evaluation under our charge-off policy (refer to Note 1 for additional information) except for commercial finance receivables and loans, where redefault is defined as 90 days past due.
|  | 2020 |  | 2019
Three months ended June 30, ($ in millions) |  | Number of loans |  | Amortized cost |  | Charge-off amount |  | Number of loans |  | Amortized cost |  | Charge-off amount
Consumer automotive |  | 1,119 |  |  | $ | 11 |  |  | $ | 8 |  |  | 1,752 |  |  | $ | 20 |  |  | $ | 12 |
Total consumer finance receivables and loans |  | 1,119 |  |  | $ | 11 |  |  | $ | 8 |  |  | 1,752 |  |  | $ | 20 |  |  | $ | 12 |
|  | 2020 |  | 2019
Six months ended June 30, ($ in millions) |  | Number of loans |  | Amortized cost |  | Charge-off amount |  | Number of loans |  | Amortized cost |  | Charge-off amount
Consumer automotive |  | 2,283 |  |  | $ | 24 |  |  | $ | 17 |  |  | 3,961 |  |  | $ | 46 |  |  | $ | 28 |
Total consumer finance receivables and loans |  | 2,283 |  |  | $ | 24 |  |  | $ | 17 |  |  | 3,961 |  |  | $ | 46 |  |  | $ | 28 |
Consumer portfolio segment |
Financing Receivable, Credit Quality Indicator [Line Items] |
Financing Receivable Credit Quality Indicators | The following table presents the amortized cost basis of our consumer finance receivables and loans by credit quality indicator based on delinquency status at June 30, 2020, and origination year.
| Origination year |  | Revolving loans converted to term |
June 30, 2020 ($ in millions) | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 and prior | Revolving loans | Total
Consumer automotive |  |  |  |  |  |  |  |  |
Current | $ | 13,963 |  | $ | 23,534 |  | $ | 15,405 |  | $ | 9,404 |  | $ | 5,152 |  | $ | 2,905 |  | $ | — |  | $ | — |  | $ | 70,363 |
30–59 days past due | 52 |  | 410 |  | 374 |  | 270 |  | 176 |  | 114 |  | — |  | — |  | 1,396 |
60–89 days past due | 17 |  | 122 |  | 120 |  | 87 |  | 59 |  | 39 |  | — |  | — |  | 444 |
90 or more days past due | 9 |  | 121 |  | 136 |  | 107 |  | 79 |  | 57 |  | — |  | — |  | 509 |
Total consumer automotive | 14,041 |  | 24,187 |  | 16,035 |  | 9,868 |  | 5,466 |  | 3,115 |  | — |  | — |  | 72,712 |
Consumer mortgage |  |  |  |  |  |  |  |  |
Mortgage Finance |  |  |  |  |  |  |  |  |
Current | 2,047 |  | 3,006 |  | 2,380 |  | 3,151 |  | 1,375 |  | 4,364 |  | — |  | 1 |  | 16,324 |
30–59 days past due | 9 |  | 7 |  | 12 |  | 14 |  | 11 |  | 30 |  | — |  | — |  | 83 |
60–89 days past due | — |  | 1 |  | 3 |  | 1 |  | 4 |  | 3 |  | — |  | — |  | 12 |
90 or more days past due | — |  | — |  | 2 |  | 1 |  | 1 |  | 6 |  | — |  | — |  | 10 |
Total Mortgage Finance | 2,056 |  | 3,014 |  | 2,397 |  | 3,167 |  | 1,391 |  | 4,403 |  | — |  | 1 |  | 16,429 |
Mortgage — Legacy |  |  |  |  |  |  |  |  |
Current | — |  | — |  | — |  | — |  | — |  | 482 |  | 343 |  | 120 |  | 945 |
30–59 days past due | — |  | — |  | — |  | — |  | — |  | 8 |  | 2 |  | 2 |  | 12 |
60–89 days past due | — |  | — |  | — |  | — |  | — |  | 3 |  | 1 |  | — |  | 4 |
90 or more days past due | — |  | — |  | — |  | — |  | — |  | 17 |  | 5 |  | 1 |  | 23 |
Total Mortgage — Legacy | — |  | — |  | — |  | — |  | — |  | 510 |  | 351 |  | 123 |  | 984 |
Total consumer mortgage | 2,056 |  | 3,014 |  | 2,397 |  | 3,167 |  | 1,391 |  | 4,913 |  | 351 |  | 124 |  | 17,413 |
Consumer other |  |  |  |  |  |  |  |  |
Current | 109 |  | 86 |  | 25 |  | 7 |  | 1 |  | — |  | — |  | — |  | 228 |
30–59 days past due | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |
60–89 days past due | 1 |  | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | 2 |
90 or more days past due | — |  | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |
Total consumer other (a) | 111 |  | 88 |  | 25 |  | 7 |  | 1 |  | — |  | — |  | — |  | 232 |
Total consumer | $ | 16,208 |  | $ | 27,289 |  | $ | 18,457 |  | $ | 13,042 |  | $ | 6,858 |  | $ | 8,028 |  | $ | 351 |  | $ | 124 |  | $ | 90,357 |
(a) Excludes $8 million of finance receivables at June 30, 2020, for which we have elected the fair value option.
Past Due Financing Receivables | The following table presents an analysis of our past-due finance receivables and loans recorded at amortized cost basis at December 31, 2019.
($ in millions) |  | 30–59 days past due |  | 60–89 days past due |  | 90 days or more past due |  | Total past due |  | Current |  | Total finance receivables and loans
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Consumer automotive |  | $ | 2,185 |  |  | $ | 590 |  |  | $ | 367 |  |  | $ | 3,142 |  |  | $ | 69,248 |  |  | $ | 72,390 |
Consumer mortgage |  |  |  |  |  |  |  |  |  |  |  |
Mortgage Finance |  | 56 |  |  | 11 |  |  | 9 |  |  | 76 |  |  | 16,105 |  |  | 16,181 |
Mortgage — Legacy |  | 25 |  |  | 8 |  |  | 28 |  |  | 61 |  |  | 1,080 |  |  | 1,141 |
Total consumer mortgage |  | 81 |  |  | 19 |  |  | 37 |  |  | 137 |  |  | 17,185 |  |  | 17,322 |
Consumer other (a) |  | 3 |  |  | 2 |  |  | 2 |  |  | 7 |  |  | 194 |  |  | 201 |
Total consumer |  | $ | 2,269 |  |  | $ | 611 |  |  | $ | 406 |  |  | $ | 3,286 |  |  | $ | 86,627 |  |  | $ | 89,913 |
(a) Excludes $11 million of finance receivables at December 31, 2019, for which we have elected the fair value option.
Commercial portfolio segment |
Financing Receivable, Credit Quality Indicator [Line Items] |
Financing Receivable Credit Quality Indicators | The following table presents the amortized cost basis of our commercial finance receivables and loans by credit quality indicator based on risk rating at June 30, 2020, and origination year.
| Origination year |  | Revolving loans converted to term |
June 30, 2020 ($ in millions) | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 and prior | Revolving loans | Total
Commercial and industrial |  |  |  |  |  |  |  |  |
Automotive |  |  |  |  |  |  |  |  |
Pass | $ | 785 |  | $ | 281 |  | $ | 107 |  | $ | 112 |  | $ | 72 |  | $ | 78 |  | $ | 13,802 |  | $ | — |  | $ | 15,237 |
Special mention | 61 |  | 18 |  | 54 |  | 65 |  | 33 |  | 14 |  | 2,157 |  | — |  | 2,402 |
Substandard | 1 |  | 2 |  | — |  | — |  | — |  | — |  | 82 |  | — |  | 85 |
Doubtful | — |  | — |  | 1 |  | 2 |  | — |  | — |  | 28 |  | — |  | 31 |
Total automotive | 847 |  | 301 |  | 162 |  | 179 |  | 105 |  | 92 |  | 16,069 |  | — |  | 17,755 |
Other |  |  |  |  |  |  |  |  |
Pass | 419 |  | 631 |  | 338 |  | 299 |  | 117 |  | 98 |  | 1,912 |  | 73 |  | 3,887 |
Special mention | — |  | 202 |  | 256 |  | 225 |  | 94 |  | 119 |  | 293 |  | 38 |  | 1,227 |
Substandard | — |  | — |  | — |  | 38 |  | — |  | 133 |  | 19 |  | 11 |  | 201 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total other | 419 |  | 833 |  | 594 |  | 562 |  | 211 |  | 350 |  | 2,224 |  | 122 |  | 5,315 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass | 386 |  | 1,058 |  | 873 |  | 619 |  | 712 |  | 803 |  | — |  | 2 |  | 4,453 |
Special mention | 16 |  | 71 |  | 62 |  | 69 |  | 84 |  | 31 |  | — |  | — |  | 333 |
Substandard | — |  | — |  | — |  | 3 |  | — |  | 7 |  | — |  | — |  | 10 |
Doubtful | — |  | — |  | — |  | — |  | 2 |  | 1 |  | — |  | — |  | 3 |
Total commercial real estate | 402 |  | 1,129 |  | 935 |  | 691 |  | 798 |  | 842 |  | — |  | 2 |  | 4,799 |
Total commercial | $ | 1,668 |  | $ | 2,263 |  | $ | 1,691 |  | $ | 1,432 |  | $ | 1,114 |  | $ | 1,284 |  | $ | 18,293 |  | $ | 124 |  | $ | 27,869 |
Past Due Financing Receivables | The following table presents an analysis of our past-due commercial finance receivables and loans recorded at amortized cost basis.
($ in millions) |  | 30–59 days past due |  | 60–89 days past due |  | 90 days or more past due |  | Total past due |  | Current |  | Total finance receivables and loans
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |
Automotive |  | $ | — |  |  | $ | 1 |  |  | $ | 48 |  |  | $ | 49 |  |  | $ | 17,706 |  |  | $ | 17,755 |
Other |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,315 |  |  | 5,315 |
Commercial real estate |  | — |  |  | — |  |  | 6 |  |  | 6 |  |  | 4,793 |  |  | 4,799 |
Total commercial |  | $ | — |  |  | $ | 1 |  |  | $ | 54 |  |  | $ | 55 |  |  | $ | 27,814 |  |  | $ | 27,869 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |
Automotive |  | $ | 34 |  |  | $ | — |  |  | $ | 28 |  |  | $ | 62 |  |  | $ | 28,270 |  |  | $ | 28,332 |
Other |  | — |  |  | — |  |  | 17 |  |  | 17 |  |  | 4,997 |  |  | 5,014 |
Commercial real estate |  | — |  |  | — |  |  | 4 |  |  | 4 |  |  | 4,957 |  |  | 4,961 |
Total commercial |  | $ | 34 |  |  | $ | — |  |  | $ | 49 |  |  | $ | 83 |  |  | $ | 38,224 |  |  | $ | 38,307 |

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