CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Operating activities
Net income (loss)	$ 781,408	$ 276,962
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses	(156,090)	413,145
Income tax expense	256,699	90,817
Amortization of brokered deposit placement fee	8,194	10,128
Amortization of Secured Borrowing Facility upfront fee	1,486	1,346
Amortization of deferred loan origination costs and loan premium/(discounts), net	7,983	16,220
Net amortization of discount on investments	4,079	2,551
Unrealized gain on investments	0	(1,710)
Reduction (increase) in tax indemnification receivable	5,649	(567)
Depreciation of premises and equipment	7,545	7,677
Stock-based compensation expense	17,568	21,009
Unrealized (gains) losses on derivatives and hedging activities, net	17,809	(34,752)
Gains on sales of loans, net	(402,790)	(238,566)
Gain on sale of Upromise subsidiary, net	0	(11,331)
Other adjustments to net income, net	(31,210)	3,812
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(369,343)	(464,291)
Increase in non-marketable securities	(8,611)	0
Decrease (increase) in other interest-earning assets	24,759	(22,338)
Increase in other assets	(96,253)	(62,497)
Decrease in income taxes payable, net	(232,124)	(23,597)
Decrease in accrued interest payable	(8,292)	(11,912)
Decrease in Upromise member accounts due to sale	0	(193,840)
Decrease in other liabilities	(8,399)	159,589
Total adjustments	(961,341)	(339,107)
Total net cash used in operating activities	(179,933)	(62,145)
Investing activities
Loans acquired and originated	(2,628,056)	(2,824,850)
Net proceeds from sales of loans held for investment	3,436,085	3,283,039
Proceeds from claim payments	9,275	17,308
Net decrease in loans held for investment	1,892,800	2,035,613
Purchases of available-for-sale securities	(505,004)	(1,556,084)
Proceeds from sales and maturities of available-for-sale securities	582,090	105,073
Proceeds from sale of Upromise subsidiary, net	0	16,922
Total net cash provided by investing activities	2,787,190	1,077,021
Financing activities
Brokered deposit placement fee	(713)	(3,305)
Net decrease in certificates of deposit	(2,312,940)	(1,059,731)
Net increase in other deposits	816,013	220,047
Borrowings collateralized by loans in securitization trusts - issued	529,253	633,305
Borrowings collateralized by loans in securitization trusts - repaid	(534,282)	(541,365)
Issuance costs for unsecured debt offering	(325)	0
Repayment of borrowings under Secured Borrowing Facility	0	(289,230)
Fees paid on Secured Borrowing Facility	(2,846)	(3,251)
Common stock dividends paid	(20,170)	(23,844)
Preferred stock dividends paid	(2,393)	(5,942)
Common stock repurchased	(1,027,298)	(558,167)
Total net cash used in financing activities	(2,555,701)	(1,631,483)
Net increase (decrease) in cash, cash equivalents and restricted cash	51,556	(616,607)
Cash, cash equivalents and restricted cash at beginning of period	4,609,709	5,720,760
Cash, cash equivalents and restricted cash at end of period	4,661,265	5,104,153
Cash disbursements made for:
Interest	192,939	304,119
Income taxes paid	232,285	27,661
Income taxes refunded	(1,049)	(4,016)
Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:
Cash and cash equivalents	4,497,310	4,988,961
Restricted cash	163,955	115,192
Total cash, cash equivalents and restricted cash	$ 4,661,265	$ 5,104,153