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v3.19.2

Loans Receivable (Summary of Changes in Accretable Yield) (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2019 | Jun. 30, 2018 | Jun. 30, 2019 | Jun. 30, 2018
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward] |  |  |  |  |
Balance, beginning of period |  | $ 2,226.2 | $ 1,844.9 | $ 2,065.5 | $ 1,665.5
New Consumer Loan assignments | [1] | 388.7 | 370.7 | 840.0 | 807.9
Accretion | [2] | (343.7) | (292.0) | (667.8) | (564.4)
Provision for credit losses |  | 15.4 | 1.8 | 29.9 | 25.2
Forecast changes |  | 13.0 | 28.2 | 29.7 | 17.4
Transfers | [3] | 2.7 | 1.4 | 5.0 | 3.4
Balance, end of period |  | 2,302.3 | 1,955.0 | 2,302.3 | 1,955.0
Dealer Loans [Member] |  |  |  |  |
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward] |  |  |  |  |
Balance, beginning of period |  | 1,361.2 | 1,191.1 | 1,283.0 | 1,088.6
New Consumer Loan assignments | [1] | 244.6 | 250.9 | 535.9 | 540.3
Accretion | [2] | (224.8) | (202.6) | (440.5) | (394.9)
Provision for credit losses |  | 14.5 | 3.2 | 26.1 | 21.9
Forecast changes |  | 3.4 | 9.7 | 3.9 | 3.6
Transfers | [3] | (8.5) | (5.7) | (18.0) | (12.9)
Balance, end of period |  | 1,390.4 | 1,246.6 | 1,390.4 | 1,246.6
Purchased Loans [Member] |  |  |  |  |
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward] |  |  |  |  |
Balance, beginning of period |  | 865.0 | 653.8 | 782.5 | 576.9
New Consumer Loan assignments | [1] | 144.1 | 119.8 | 304.1 | 267.6
Accretion | [2] | (118.9) | (89.4) | (227.3) | (169.5)
Provision for credit losses |  | 0.9 | (1.4) | 3.8 | 3.3
Forecast changes |  | 9.6 | 18.5 | 25.8 | 13.8
Transfers | [3] | 11.2 | 7.1 | 23.0 | 16.3
Balance, end of period |  | $ 911.9 | $ 708.4 | $ 911.9 | $ 708.4
[1] | The Dealer Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Portfolio Program, less the related advances paid to Dealers. The Purchased Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Purchase Program, less the related one-time payments made to Dealers.
[2] | Represents finance charges excluding the amortization of deferred direct origination costs for Dealer Loans.
[3] | Under our Portfolio Program, certain events may result in Dealers forfeiting their rights to Dealer Holdback. We transfer the Dealer’s outstanding Dealer Loan balance, the related allowance for credit losses balance and related expected future net cash flows to Purchased Loans in the period this forfeiture occurs.

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- Definition Change in the estimate of cash flows expected to be collected, after acquisition of a loan, which results in an increase in accretable yield (for example, if actual cash flows are significantly greater than previously expected). This relates to loans with evidence of deterioration of credit quality since origination that was acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. + References No definition available. + Details
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- Definition Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers + References No definition available. + Details
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- Definition Amount of the excess of a loan's cash flows expected to be collected over the investor's initial investment in acquired loans not accounted for as debt securities with evidence of deterioration of credit quality. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 15 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82894507&loc=d3e13503-111538 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=82894903&loc=d3e15032-111544 + Details
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- Definition Amount of accretion recognized for the excess of a loan's cash flows expected to be collected over the investor's initial investment in acquired loans not accounted for as debt securities, with evidence of deterioration of credit quality. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 15 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82894507&loc=d3e13503-111538 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=82894903&loc=d3e15032-111544 + Details
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- Definition Amount of additions to the excess of a loan's cash flows expected to be collected over the investor's initial investment in acquired loans not accounted for as debt securities with evidence of deterioration of credit quality. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 15 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82894507&loc=d3e13503-111538 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=82894903&loc=d3e15032-111544 + Details
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- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
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- Definition Amount of reclassification (to) from nonaccretable difference (from) to the excess of a loan's cash flows expected to be collected over the investor's initial investment in acquired loans not accounted for as debt securities with evidence of deterioration of credit quality. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=82894903&loc=d3e15032-111544 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 15 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82894507&loc=d3e13503-111538 + Details
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