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Significant Accounting Policies and Consolidated Financial Statement Components (Tables)
 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Accounting Policies [Abstract]    
Components of our aggregated categories of loans and fees receivable, net
Components of our loans and fees receivable, net (in millions) are as follows:
 
Balance at December 31, 2015
 
Additions
 
Subtractions
 
Balance at June 30, 2016
Loans and fees receivable, gross
$
180.1

 
$
227.3

 
$
(164.7
)
 
$
242.7

Deferred revenue
(16.7
)
 
(23.5
)
 
19.9

 
(20.3
)
Allowance for uncollectible loans and fees receivable
(21.5
)
 
(15.5
)
 
12.8

 
(24.2
)
Loans and fees receivable, net
$
141.9

 
$
188.3

 
$
(132.0
)
 
$
198.2
 
 
Balance at December 31, 2014
 
Additions
 
Subtractions
 
Balance at June 30, 2015
Loans and fees receivable, gross
$
141.6

 
$
159.2

 
$
(146.2
)
 
$
154.6

Deferred revenue
(15.7
)
 
(21.4
)
 
18.9

 
(18.2
)
Allowance for uncollectible loans and fees receivable
(20.0
)
 
(9.1
)
 
12.8

 
(16.3
)
Loans and fees receivable, net
$
105.9

 
$
128.7

 
$
(114.5
)
 
$
120.1
Roll-forward of allowance for uncollectible loans and fees receivable, net
A roll-forward (in millions) of our allowance for uncollectible loans and fees receivable by class of receivable is as follows: 
For the Three Months Ended June 30, 2016

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(1.3
)

$
(1.8
)

$
(16.8
)

$
(19.9
)
Provision for loan losses

0.4


(0.8
)

(10.4
)

(10.8
)
Charge offs

0.6


0.9


6.6


8.1

Recoveries

(0.8
)

(0.3
)

(0.5
)

(1.6
)
Balance at end of period

$
(1.1
)

$
(2.0
)

$
(21.1
)

$
(24.2
)









For the Six Months Ended June 30, 2016

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(1.2
)

$
(1.7
)

$
(18.6
)

$
(21.5
)
Provision for loan losses

0.6


(1.4
)

(14.7
)

(15.5
)
Charge offs

1.0


1.7


13.2


15.9

Recoveries

(1.5
)

(0.6
)

(1.0
)

(3.1
)
Balance at end of period

$
(1.1
)

$
(2.0
)

$
(21.1
)

$
(24.2
)
As of June 30, 2016
 
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
Allowance for uncollectible loans and fees receivable:
 
 
 
 
 
 
 
 
Balance at end of period individually evaluated for impairment
 
$
—

 
$
(0.2
)
 
$
(0.7
)
 
$
(0.9
)
Balance at end of period collectively evaluated for impairment
 
$
(1.1
)
 
$
(1.8
)
 
$
(20.4
)
 
$
(23.3
)
Loans and fees receivable:
 
 

 
 

 
 

 
 

Loans and fees receivable, gross
 
$
5.4

 
$
78.6

 
$
158.7

 
$
242.7

Loans and fees receivable individually evaluated for impairment
 
$
—

 
$
0.3

 
$
0.8

 
$
1.1

Loans and fees receivable collectively evaluated for impairment
 
$
5.4

 
$
78.3

 
$
157.9

 
$
241.6
For the Three Months Ended June 30, 2015

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(1.9
)

$
(1.2
)

$
(12.5
)

$
(15.6
)
Provision for loan losses

(0.4
)

(0.4
)

(5.2
)

(6.0
)
Charge offs

0.9


0.4


4.4


5.7

Recoveries

(0.1
)

(0.1
)

(0.2
)

(0.4
)
Balance at end of period

$
(1.5
)

$
(1.3
)

$
(13.5
)

$
(16.3
)









For the Six Months Ended June 30, 2015

Credit Cards

Auto Finance

Other Unsecured Lending Products

Total
Allowance for uncollectible loans and fees receivable:

 

 

 

 
Balance at beginning of period

$
(2.7
)

$
(1.2
)

$
(16.1
)

$
(20.0
)
Provision for loan losses

(0.9
)

(0.6
)

(7.6
)

(9.1
)
Charge offs

2.3


0.9


10.9


14.1

Recoveries

(0.2
)

(0.4
)

(0.7
)

(1.3
)
Balance at end of period

$
(1.5
)

$
(1.3
)

$
(13.5
)

$
(16.3
)


As of December 31, 2015
 
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
Allowance for uncollectible loans and fees receivable:
 
 
 
 
 
 
 
 
Balance at end of period individually evaluated for impairment
 
$
—

 
$
(0.1
)
 
$
(1.3
)
 
$
(1.4
)
Balance at end of period collectively evaluated for impairment
 
$
(1.2
)
 
$
(1.6
)
 
$
(17.3
)
 
$
(20.1
)
Loans and fees receivable:
 
 

 
 

 
 

 
 

Loans and fees receivable, gross
 
$
5.2

 
$
76.0

 
$
98.9

 
$
180.1

Loans and fees receivable individually evaluated for impairment
 
$
—

 
$
0.2

 
$
1.5

 
$
1.7

Loans and fees receivable collectively evaluated for impairment
 
$
5.2

 
$
75.8

 
$
97.4

 
$
178.4
Components of loans and fees receivable, net
The components (in millions) of loans and fees receivable, gross as of the date of each of our consolidated balance sheets are as follows:
 
June 30, 2016
 
December 31, 2015
Current loans receivable
$
213.2

 
$
150.0

Current fees receivable
4.9

 
4.5

Delinquent loans and fees receivable
24.6

 
25.6

Loans and fees receivable, gross
$
242.7

 
$
180.1

  
Delinquent loans and fees receivable, gross
An aging of our delinquent loans and fees receivable, gross (in millions) by class of receivable as of June 30, 2016 and December 31, 2015 is as follows:
Balance at June 30, 2016
 
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
30-59 days past due
 
$
0.1

 
$
6.8

 
$
5.0

 
$
11.9

60-89 days past due
 
0.1

 
1.9

 
3.3

 
5.3

90 or more days past due
 
0.5

 
1.3

 
5.6

 
7.4

Delinquent loans and fees receivable, gross
 
0.7

 
10.0

 
13.9

 
24.6

Current loans and fees receivable, gross
 
4.7

 
68.6

 
144.8

 
218.1

Total loans and fees receivable, gross
 
$
5.4

 
$
78.6

 
$
158.7

 
$
242.7

Balance of loans 90 or more days past due and still accruing interest and fees
 
$
—

 
$
1.0

 
$
—

 
$
1.0
Balance at December 31, 2015
Credit Cards
 
Auto Finance
 
Other Unsecured Lending Products
 
Total
30-59 days past due
$
0.2

 
$
6.9

 
$
4.4

 
$
11.5

60-89 days past due
0.1

 
2.2

 
3.1

 
5.4

90 or more days past due
0.4

 
1.8

 
6.5

 
8.7

Delinquent loans and fees receivable, gross
0.7

 
10.9

 
14.0

 
25.6

Current loans and fees receivable, gross
4.5

 
65.1

 
84.9

 
154.5

Total loans and fees receivable, gross
$
5.2

 
$
76.0

 
$
98.9

 
$
180.1

Balance of loans 90 or more days past due and still accruing interest and fees
$
—

 
$
1.5

 
$
—

 
$
1.5
Components of fees and related income on earning assets
The components (in thousands) of our fees and related income on earning assets are as follows:
 
Three months ended June 30,
 
Six months ended June 30,
 
2016
 
2015
 
2016
 
2015
Fees on credit products
$
856

 
$
1,891

 
$
1,655

 
$
4,065

Changes in fair value of loans and fees receivable recorded at fair value
527

 
1,981

 
2,425

 
3,212

Changes in fair value of notes payable associated with structured financings recorded at fair value
939

 
(420
)
 
2,104

 
(782
)
Rental revenue
3,119

 
9,278

 
7,333

 
19,387

Other
437

 
21

 
248

 
88

Total fees and related income on earning assets
$
5,878

 
$
12,751

 
$
13,765

 
$
25,970