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BORROWINGS OF LONG-TERM AND OTHER DEBT - Schedule of Long Term Debt and Other Debt (Details) - USD ($) $ in Millions | Jun. 30, 2025 | Dec. 31, 2024 | Jan. 31, 2024 | Sep. 30, 2020
--- | --- | --- | --- | ---
Long-term and other debt: |  |  |  |
Total long-term and other debt | $ 1,138 | $ 999 |  |
Debt issued by consolidated VIEs: |  |  |  |
Debt issued by consolidated VIEs | 500 | 1,100 |  |
Total debt issued by consolidated VIEs | 3,089 | 4,558 |  |
Total borrowings of long-term and other debt | 4,227 | 5,557 |  |
Long-term and other debt |  |  |  |
Long-term and other debt: |  |  |  |
Long-term and other debt | 1,153 | 1,010 |  |
Less: Unamortized debt issuance costs | 15 | 11 |  |
Total long-term and other debt | 1,138 | 999 |  |
Convertible Debt |  |  |  |
Long-term and other debt: |  |  |  |
Long-term and other debt | $ 3 | 10 |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 4.25% |  |  |
Senior notes due 2026 | Senior Notes |  |  |  |
Long-term and other debt: |  |  |  |
Long-term and other debt | $ 0 | 100 |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 7.00% |  |  | 7.00%
Senior notes due 2029 | Senior Notes |  |  |  |
Long-term and other debt: |  |  |  |
Long-term and other debt | $ 750 | 900 |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 9.75% |  | 9.75% |
Subordinated notes due 2035 | Subordinated Debt |  |  |  |
Long-term and other debt: |  |  |  |
Long-term and other debt | $ 400 | 0 |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 8.38% |  |  |
Debt issued by consolidated VIEs |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Debt issued by consolidated VIEs | $ 3,093 | 4,563 |  |
Less: Unamortized debt issuance costs | 4 | 5 |  |
Total debt issued by consolidated VIEs | 3,089 | 4,558 |  |
Fixed rate asset-backed term note securities |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Debt issued by consolidated VIEs | $ 1,350 | 1,350 |  |
Fixed rate asset-backed term note securities | Minimum |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 4.62% |  |  |
Fixed rate asset-backed term note securities | Maximum |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 5.47% |  |  |
Conduit asset-backed securities |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Debt issued by consolidated VIEs | $ 1,743 | $ 3,213 |  |
Weighted average interest rate | 5.41% | 5.54% |  |
Conduit asset-backed securities | Minimum |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 5.41% | 5.48% |  |
Conduit asset-backed securities | Maximum |  |  |  |
Debt issued by consolidated VIEs: |  |  |  |
Interest Rates | 5.42% | 5.60% |  |
Revolving Credit Facility | Revolving line of credit | Line of Credit |  |  |  |
Long-term and other debt: |  |  |  |
Long-term and other debt | $ 0 | $ 0 |  |

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