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Income Taxes (Tables) | 12 Months Ended
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Dec. 31, 2015
Income Tax Disclosure [Abstract] |
Schedule Of Income Tax Provision | The income tax provision consists of the following:
(In millions) | For the Years Ended December 31,
| 2015 |  | 2014 |  | 2013
Income before provision for income taxes: | $ | 474.5 |  |  | $ | 420.9 |  |  | $ | 398.2 |
Current provision for income taxes: |  |  |  |  |
Federal | 127.9 |  |  | 90.9 |  |  | 128.4 |
State | 10.6 |  |  | 7.3 |  |  | 7.4 |
| 138.5 |  |  | 98.2 |  |  | 135.8 |
Deferred provision for income taxes: |  |  |  |  |
Federal | 33.7 |  |  | 52.0 |  |  | 8.7 |
State | 1.9 |  |  | 4.1 |  |  | 0.1 |
| 35.6 |  |  | 56.1 |  |  | 8.8 |
Interest and penalties expense: |  |  |  |  |
Interest | 0.7 |  |  | 0.4 |  |  | 0.5 |
Penalties | — |  |  | — |  |  | — |
| 0.7 |  |  | 0.4 |  |  | 0.5 |
Provision for income taxes | $ | 174.8 |  |  | $ | 154.7 |  |  | $ | 145.1 |
Schedule Of Deferred Tax Assets And Liabilities | The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities consist of the following:
(In millions) | As of December 31,
| 2015 |  | 2014
Deferred tax assets: |  |  |
Allowance for credit losses | $ | 89.8 |  |  | $ | 76.4 |
Stock-based compensation | 18.8 |  |  | 14.8 |
Deferred state net operating loss | 5.1 |  |  | 3.9 |
Other, net | 11.3 |  |  | 9.2 |
Total deferred tax assets | 125.0 |  |  | 104.3 |
Deferred tax liabilities: |  |  |
Valuation of Loans receivable | 364.2 |  |  | 306.5 |
Deferred Loan origination costs | 2.5 |  |  | 2.7 |
Other, net | 7.2 |  |  | 8.5 |
Total deferred tax liabilities | 373.9 |  |  | 317.7 |
Net deferred tax liability | $ | 248.9 |  |  | $ | 213.4 |
Schedule Of Reconciliation Of The U.S. Federal Statutory Rate To Effective Tax Rate | A reconciliation of the U.S. federal statutory rate to our effective tax rate is as follows:
| For the Years Ended December 31,
| 2015 |  | 2014 |  | 2013
U.S. federal statutory rate | 35.0 | % |  | 35.0 | % |  | 35.0 | %
State income taxes | 1.6 | % |  | 1.7 | % |  | 1.1 | %
Other | 0.2 | % |  | 0.1 | % |  | 0.3 | %
Effective tax rate | 36.8 | % |  | 36.8 | % |  | 36.4 | %
Schedule Of Unrecognized Tax Benefits | The following table is a summary of changes in gross unrecognized tax benefits:
(In millions) | For the Years Ended December 31,
| 2015 |  | 2014 |  | 2013
Unrecognized tax benefits at January 1, | $ | 16.6 |  |  | $ | 13.2 |  |  | $ | 11.0 |
Additions based on tax positions related to current year | 7.4 |  |  | 5.5 |  |  | 3.6 |
Reductions for tax positions of prior years | — |  |  | (0.2 | ) |  | — |
Settlements | — |  |  | — |  |  | — |
Reductions as a result of a lapse of the statute of limitations | (2.2 | ) |  | (1.9 | ) |  | (1.4 | )
Unrecognized tax benefits at December 31, | $ | 21.8 |  |  | $ | 16.6 |  |  | $ | 13.2 |

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