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Customer Loans and Valuation Accounts | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Customer Loans and Valuation Accounts | CONSUMER LOANS AND RELATED VALUATION ALLOWANCE Consumer loans, net are composed of the following (in thousands):
December 31, 2019 |
Total consumer loans | $ | 785 |
Less allowance for doubtful accounts | (34 | )
Consumer loans, net | $ | 751 |
December 31, 2018 |
Total consumer loans | $ | 16,785 |
Less allowance for doubtful accounts | (883 | )
Consumer loans, net | $ | 15,902 |
Changes in the allowance for consumer loan credit losses are as follows (in thousands):
| Year Ended December 31,
| 2019 |  | 2018 |  | 2017
Balance at beginning of year | $ | 883 |  |  | $ | 1,815 |  |  | $ | 2,251 |
Provision for credit losses | 2,395 |  |  | 9,405 |  |  | 12,762 |
Charge-offs, net of recoveries from customers | (3,244 | ) |  | (10,337 | ) |  | (13,198 | )
Balance at end of year | $ | 34 |  |  | $ | 883 |  |  | $ | 1,815 |
Under the CSO Program, the Company assists customers in applying for a short-term extension of credit from an Independent Lender and issues the Independent Lender a guarantee for the repayment of the extension of credit. The Company is required to recognize, at the inception of the guarantee, a liability for the estimated fair value of the obligation undertaken by issuing the guarantee. The Company records the estimated fair value of the liability in accrued liabilities. Changes in the liability for credit services losses are as follows (in thousands):
| Year Ended December 31,
| 2019 |  | 2018 |  | 2017
Balance at beginning of year | $ | 252 |  |  | $ | 440 |  |  | $ | 582 |
Provision for credit losses | 1,764 |  |  | 8,056 |  |  | 7,057 |
Amounts paid to Independent Lenders under guarantees, net of recoveries from customers | (1,926 | ) |  | (8,244 | ) |  | (7,199 | )
Balance at end of year | $ | 90 |  |  | $ | 252 |  |  | $ | 440 |

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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- References No definition available. + Details
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