0001193125-23-212472.txt : 20230814 0001193125-23-212472.hdr.sgml : 20230814 20230814170336 ACCESSION NUMBER: 0001193125-23-212472 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20230813 ITEM INFORMATION: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230814 DATE AS OF CHANGE: 20230814 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Discover Financial Services CENTRAL INDEX KEY: 0001393612 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 362517428 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33378 FILM NUMBER: 231171778 BUSINESS ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 BUSINESS PHONE: 224-405-0900 MAIL ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 8-K 1 d573571d8k.htm 8-K 8-K
false 0001393612 0001393612 2023-08-13 2023-08-13

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 14, 2023 (August 13, 2023)

 

 

DISCOVER FINANCIAL SERVICES

(Exact name of registrant as specified in its charter)

 

 

Commission File Number: 001-33378

 

Delaware   36-2517428
(State or Other Jurisdiction
of Incorporation)
  (IRS Employer
Identification No.)

2500 Lake Cook Road, Riverwoods, Illinois 60015

(Address of principal executive offices, including zip code)

(224) 405-0900

(Registrant’s telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 

 

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

 

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

 

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

 

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class

 

Trading

Symbol(s)

 

Name of Each Exchange

on Which Registered

Common Stock, par value $0.01 per share   DFS   New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter)or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

 

 


Item 5.02.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

(b)

On August 13, 2023, the Board of Directors (the “Board”) of Discover Financial Services (the “Company”) accepted the resignation of Roger C. Hochschild from his positions as Chief Executive Officer and President of the Company, a member of the Board and a director and officer of Discover Bank (the “Bank”), each effective August 14, 2023 (the “Effective Date”). To assist with the transition, Mr. Hochschild will continue to be employed by the Company as an advisor to the Chair of the Board from the Effective Date through December 31, 2023, pursuant to the terms of a transition employment letter (the “Transition Letter”), described below.

The Board has established a special search committee to conduct a search for a permanent successor to Mr. Hochschild.

(c)

On August 13, 2023, the Board appointed John B. Owen as Interim Chief Executive Officer and Interim President of the Company and as Interim President of the Bank, effective August 14, 2023. Mr. Owen will continue to serve as a director of the Company, but is resigning as a member of the Risk Oversight Committee of the Board during his term as Interim Chief Executive Officer and Interim President.

John Owen, a financial services veteran with more than 38 years of experience in banking and information technology that spans multiple industries including banking, insurance, airlines, and the defense industry, was elected to the Board and appointed to the Board’s Risk Oversight Committee on June 6, 2022. Prior to joining the Company, Mr. Owen retired from Regions Financial Corp., one of the nation’s largest full-service providers of consumer and commercial banking, wealth management and mortgage products and services, in March 2021, where he had been Chief Operating Officer since 2018. Prior thereto, Mr. Owen served in various senior management roles at the bank, including head of Operations and Technology, head of Consumer Services Group, head of Regional Banking group, and head of Enterprise Services and Consumer Banking. Active in the community, Mr. Owen has served on the board of directors for the Birmingham Business Alliance, Innovation Depot and the United Way of Central Alabama, as well as the advisory board for the UAB Collat School of Business. Under his leadership at Regions, the bank consistently evolved how it served its customers, such as unveiling an overhauled and upgraded mobile app for both iOS and Android devices. He brings valuable leadership experience and has a clear understanding of the overall governance structure associated with a highly regulated industry such as banking.

Mr. Owen has no family relationships with any director or executive officer of the Company. There are no arrangements or understandings between Mr. Owen and any other person pursuant to which Mr. Owen was selected as the Company’s Interim Chief Executive Officer and Interim President, and there are no transactions involving Mr. Owen that would be required to be reported under Item 404(a) of Regulation S-K.

In connection with his appointment, Mr. Owen will receive an annual base salary of $950,000, to be paid in accordance with the Company’s ordinary payroll practices beginning August 15, 2023. Mr. Owen will also receive a special restricted stock unit award with a value of $500,000, to vest on the earlier of (1) the date on which the Company’s permanent successor to Mr. Hochschild begins employment and (2) the one year anniversary of the award’s grant date.

(d)

On August 13, 2023, the Board appointed J. Michael Shepherd as a director of the Company and as a member of the Board of Directors of the Bank, effective August 14, 2023. In connection with his appointment to the Board, Mr. Shepherd is being named to the Risk Oversight Committee of the Board.

 


The Board has determined that Mr. Shepherd has no material relationship with the Company or the Bank (either directly or as a partner, shareholder or officer of an organization that has a relationship with the company) and is independent for purposes of the New York Stock Exchange listing standards applicable to the Company. There are no arrangements or understandings between Mr. Shepherd and any other person pursuant to which Mr. Shepherd was selected as a director, and there are no transactions involving Mr. Shepherd that would be required to be reported under Item 404(a) of Regulation S-K.

In connection with his appointment, Mr. Shepherd’s compensation will be consistent with the Company’s previously disclosed standard compensatory arrangements for non-employee directors, which are described in the Company’s most recent proxy statement filed with the Securities and Exchange Commission on March 17, 2023, under the heading “Director Compensation.” Mr. Shepherd’s compensation will be prorated to reflect the commencement date of his Board service.

(e)

Mr. Hochschild and the Company entered into the Transition Letter on August 13, 2023. Pursuant to the terms of the Transition Letter, Mr. Hochschild will serve as an advisor to the Chair of the Board and will continue to receive his base salary through December 31, 2023, but he will not participate in the Company’s short-term incentive program with respect to the fiscal year ending December 31, 2023, will not be eligible for additional equity grants from the Company and will not receive severance in connection with his resignation. Mr. Hochschild’s equity awards that are outstanding on the Effective Date shall continue to vest through December 31, 2023 and will continue to be eligible for retirement treatment, except that the Company and Mr. Hochschild have agreed that equity awards previously granted during 2023 will be cancelled as of the Effective Date.

The foregoing description of the Transition Letter does not purport to be complete and is qualified in its entirety by reference to the full text of the Transition Letter, which is attached hereto as Exhibit 10.1, and incorporated herein by reference.

 

Item 8.01.

Other Events.

Copies of the press releases announcing these changes are attached as Exhibits 99.1 and 99.2 to this report.

 

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits

 

Exhibit
No.

  

Description

10.1    Transition Letter, dated as of August 13, 2023 between Discover Financial Services and Roger C. Hochschild.
99.1    Press Release of the Company dated August 14, 2023.
99.2    Press Release of the Company dated August 14, 2023.
104    Cover Page Interactive Data File – the cover page from this Current Report on Form 8-K, formatted as Inline XBRL (included as Exhibit 101).

 


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

    DISCOVER FINANCIAL SERVICES
Date: August 14, 2023     By:  

/s/ Hope D. Mehlman

    Name:   Hope D. Mehlman
    Title:   Executive Vice President, Chief Legal Officer, General Counsel and Secretary
EX-10.1 2 d573571dex101.htm EX-10.1 EX-10.1

Exhibit 10.1

August 13, 2023

Roger C. Hochschild,

    at the address on file with

       Discover Financial Services.

Dear Roger,

This letter agreement (this “Agreement”) sets forth the terms we have agreed regarding your transition from Discover Financial Services (the “Company”), including your service as an Advisor to the Chair of the Company’s Board of Directors (the “Board”) through December 31, 2023 to support the Company’s transition to new leadership.

 

1.

Your Resignation

This letter confirms your resignation, effective August 14, 2023 (the “Effective Date”), as the Company’s Chief Executive Officer and President, as well as a member of the Board. It also confirms your resignation as a director and officer of Discover Bank (the “Bank”) and any other role you have at the Company, the Bank or their affiliates, other than your continuing role as an Advisor, as of the Effective Date.

 

2.

Your Continuing Service as Advisor

From and including the Effective Date through December 31, 2023, you will continue as an employee of the Company and serve as Advisor to the Chair of the Board. As Advisor, you will report to the Chair, with responsibility for providing transition services and advising the Chair, in each case as reasonably requested by the Chair, and providing such other services as may be reasonably agreed between you and the Board. Your services may be performed at such location as you reasonably determine appropriate, which may include the Company’s offices as mutually agreed with the Chair from time to time. You shall continue to maintain your administrative assistant through December 31, 2023, any required travel during this period shall be at the same class level as in effect as of the date hereof, and the Company agrees to indemnify you for acts and omissions as Advisor through December 31, 2023 on the same basis as you are currently indemnified.

At the close of business on December 31, 2023, your employment with the Company will end automatically without further action by you or the Company. You agree to execute any further documentation the Company reasonably may request to evidence your resignation and transition of authority in Section 1 of this Agreement or the termination of your service as Advisor in this Section 2. Following your termination, you shall receive all vested accrued amounts to which you are entitled under the Company’s benefit plans and arrangements and shall be eligible for COBRA health continuation benefits if you timely elect such coverage for yourself and your eligible dependents. Your entitlement to your Company equity awards is provided in Section 4 of this Agreement. The Company shall not terminate your service as Advisor before December 31, 2023 without “Cause” (as defined in your Company equity awards).


Mr. Roger C. Hochschild    Page 2

 

3.

Your Compensation

During your employment as Advisor, you will continue to receive your base salary in effect prior to the Effective Date. For the avoidance of doubt, you will not be eligible to participate in the Company’s Short-Term Incentive Program with respect to the fiscal year ending December 31, 2023, eligible for additional equity grants from the Company or eligible for severance under the Company Severance Plan in connection with your separation from the Company.

 

4.

Your Long-Term Equity Awards

Your Company equity awards that are outstanding on the Effective Date shall continue to vest during your employment as Advisor and will be subject to retirement treatment on your termination of service as Advisor in accordance with Section 2 of this Agreement, in each case in accordance with and subject to their current terms. For avoidance of doubt, your 2007 Founders Grant will continue to be subject to its current terms, and nothing herein shall be interpreted to change any rights or entitlements thereunder. Exhibit A sets forth the applicable vesting and payment schedule of such equity awards. You have agreed that, notwithstanding the foregoing, the Company equity awards (e.g. restricted stock units and performance stock units) granted to you during the fiscal year ending December 31, 2023 are cancelled as of the Effective Date and that all obligations of the Company with respect to such awards shall be extinguished at the Effective Date. With respect to your continuing Company equity awards, the Company has no intention to exercise its clawback or forfeiture rights on the basis of facts considered by the Board to date including in connection with its review of the incorrect classification of certain credit card accounts or its review of the Company’s compliance management system.

 

5.

Cooperation

You agree that, following the Effective Date, at the Company’s request, you shall assist and advise the Company in any investigation which may be performed by the Company or any government agency and any litigation in which the Company may become involved. Such assistance shall include you making yourself reasonably available for interviews by the Company or its counsel, depositions and/or court appearances at the Company’s request. The Company shall attempt to schedule such assistance at mutually convenient times and places. The Company shall reimburse you for reasonable expenses incurred by you at the Company’s request, consistent with the Company’s practices applicable to you during your employment (including fees reasonably incurred by independent legal counsel selected by you if in good faith you believe such counsel to be appropriate). Nothing in this Section 5, however, requires you to act against your own legal interests or the legal interests of any future employer or business partner.

 

6.

Governing Law

This Agreement shall be interpreted for all purposes in accordance with the laws of the State of Illinois.

 

7.

Protected Disclosures

You understand that nothing contained in this Agreement or any other agreement with the Company, the Bank or its affiliates shall (a) prohibit you from making reports of possible violations of law or regulation to any governmental agency or entity in accordance with the


Mr. Roger C. Hochschild    Page 3

 

provisions of and rules promulgated under Section 21F of the Securities Exchange Act of 1934 or Section 806 of the Sarbanes-Oxley Act of 2002, or of any other whistleblower protection provisions of state or federal law or regulation; or (b) require notification or prior approval by the Company of any reporting described in clause (a).

We look forward to your contributions to the Company’s continued success.

 

Very truly yours,

/s/ Thomas G. Maheras

Name:   Thomas G. Maheras
Title:   Independent Chairman

I accept the terms and conditions of this letter.

 

Date:  

August 13, 2023

 

    /s/ Roger C. Hochschild

  Roger C. Hochschild
EX-99.1 3 d573571dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

DISCOVER FINANCIAL SERVICES ANNOUNCES LEADERSHIP TRANSITION

Roger Hochschild Steps Down as Chief Executive Officer and President

John Owen Appointed Interim CEO and President

RIVERWOODS, Ill., August 14, 2023 – Discover Financial Services (NYSE: DFS) today announced that the Discover Board of Directors and Roger Hochschild have agreed that Hochschild will step down as Chief Executive Officer and President and as a member of the Board. Hochschild will serve in an advisory role at the Company through the end of the year to ensure a smooth transition. John Owen, a member of the Board, has been appointed Interim CEO and President. These changes are effective immediately.

The Board has engaged a leading global executive search firm to commence a process to identify a permanent CEO and President.

Tom Maheras, Chair of the Board, said, “The Board and Roger have agreed that now is the right time to transition leadership, and we thank Roger for his 25 years of service to the Company. The Board is continuously focused on Discover reaching its full potential across the business, including our commitment to enhancing compliance, risk management and corporate governance. We will continue to take actions to advance Discover’s strategic priorities and generate high returns and capital.”

Owen said, “Since joining the Board in 2022, I have been impressed by Discover’s dedicated employee base and all the potential that lies ahead for the business. I look forward to working alongside the management executive committee and Board throughout this transition to continue driving organization-wide excellence and sustainable, long-term performance.”

Hochschild said, “It has been a privilege to spend 25 years with the people of Discover at this amazing company. I know that the Company will enjoy continued success.”

About John Owen

John Owen joined the Discover Board of Directors in June 2022. Owen brings 38 years of experience in consumer banking and information technology that spans multiple industries, including banking, insurance, airlines and the defense industry. He retired from Regions Financial Corp., one of the nation’s largest full-service providers of consumer and commercial banking, wealth management and mortgage products and services, in March 2021, where he had been Chief Operating Officer since 2018.

Previously, Owen served in various senior management roles at the bank, including Head of Operations and Technology, Head of Consumer Services Group, Head of Regional Banking group, and Head of Enterprise Services and Consumer Banking.

Prior to joining Regions Financial, Owen was CEO of Assurant Specialty Property, a Fortune 500 company based in Atlanta. Prior to that, Owen was Senior Vice President of Global Systems Development for Citicorp Credit Services, Chief Information Officer of North American Operations for Arrow Electronics and Senior Vice President of Technology for American Airlines. He began his career in information systems with McDonnell-Douglas.


About Discover

Discover Financial Services (NYSE: DFS) is a digital banking and payment services company with one of the most recognized brands in U.S. financial services. Since its inception in 1986, the company has become one of the largest card issuers in the United States. The company issues the Discover® card, America’s cash rewards pioneer, and offers private student loans, personal loans, home loans, checking and savings accounts and certificates of deposit through its banking business. It operates the Discover Global Network® comprised of Discover Network, with millions of merchants and cash access locations; PULSE®, one of the nation’s leading ATM/debit networks; and Diners Club International®, a global payments network with acceptance around the world. For more information, visit www.discover.com/company.

Media Contact

Matthew Towson

224-405-5649

matthewtowson@discover.com

@Discover_News

Investor Relations

Eric Wasserstrom

224-405-4555

investorrelations@discover.com

EX-99.2 4 d573571dex992.htm EX-99.2 EX-99.2

Exhibit 99.2

DISCOVER FINANCIAL SERVICES NAMES J. MICHAEL SHEPHERD TO ITS BOARD OF DIRECTORS

RIVERWOODS, Ill., August 14, 2023 – Discover Financial Services (DFS) announced today that J. Michael Shepherd will join the Company’s Board of Directors, effective immediately, and will serve on the Board’s Risk Oversight Committee. Shepherd brings a unique set of skills developed over his distinguished career in financial services that includes leadership roles in banking, government, and law with deep experience in the areas of compliance, risk management and corporate governance.

Shepherd is the former Chairman and CEO of BancWest Corporation and its subsidiary, Bank of the West, the U.S. retail arm of BNP Paribas Group. Bank of the West was acquired by BMO in February of 2023. He also served as Chairman and as a Director of BNP Paribas USA, Inc. from July 2016 to February 2023. Shepherd joined Bank of the West in 2004 and held a succession of positions, including General Counsel, Chief Administrative Officer and President. He served as CEO from January 2008 until June 2016, when he assumed the role of Chairman of BNP Paribas USA.

Before joining Bank of the West, Shepherd was General Counsel of The Bank of New York Company, Inc. and of Shawmut National Corporation. He served in government as Senior Deputy Comptroller of the Currency, Associate Counsel to the President of the United States and Deputy Assistant Attorney General. Shepherd is also a director of Pacific Mutual Holding Company and previously was a director of First Hawaiian Inc. and CoreLogic.

“We are delighted to welcome Michael to the Discover Board. He is an industry leader bringing significant expertise in financial services, decades of relevant banking industry experience and a valuable background in public affairs and regulatory matters to the bench of talent on our Board,” said Tom Maheras, Chair of the Board. “I am confident that we will benefit greatly from Michael’s insights and contributions as we continue advancing our ambitious goal of becoming a leading digital consumer bank.”

About Discover

Discover Financial Services (NYSE: DFS) is a digital banking and payment services company with one of the most recognized brands in U.S. financial services. Since its inception in 1986, the company has become one of the largest card issuers in the United States. The company issues the Discover® card, America’s cash rewards pioneer, and offers private student loans, personal loans, home loans, checking and savings accounts and certificates of deposit through its banking business. It operates the Discover Global Network® comprised of Discover Network, with millions of merchants and cash access locations; PULSE®, one of the nation’s leading ATM/debit networks; and Diners Club International®, a global payments network with acceptance around the world. For more information, visit www.discover.com/company.

Media Contact

Matthew Towson

224-405-5649

matthewtowson@discover.com

@Discover_News

Investor Relations

Eric Wasserstrom

224-405-4555

investorrelations@discover.com

EX-101.SCH 5 dfs-20230813.xsd XBRL TAXONOMY EXTENSION SCHEMA 100000 - Document - Document and Entity Information link:calculationLink link:presentationLink link:definitionLink EX-101.LAB 6 dfs-20230813_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Cover [Abstract] Cover [Abstract] Amendment Flag Amendment Flag Entity Central Index Key Entity Central Index Key Document Type Document Type Document Period End Date Document Period End Date Entity Registrant Name Entity Registrant Name Entity File Number Entity File Number Entity Incorporation State Country Code Entity Incorporation State Country Code Entity Tax Identification Number Entity Tax Identification Number Entity Address, Address Line One Entity Address, Address Line One Entity Address, City or Town Entity Address, City or Town Entity Address, State or Province Entity Address, State or Province Entity Address, Postal Zip Code Entity Address, Postal Zip Code City Area Code City Area Code Local Phone Number Local Phone Number Written Communications Written Communications Soliciting Material Soliciting Material Pre Commencement Tender Offer Pre Commencement Tender Offer Pre Commencement Issuer Tender Offer Pre Commencement Issuer Tender Offer Security 12b Title Security 12b Title Trading Symbol Trading Symbol Security Exchange Name Security Exchange Name Entity Emerging Growth Company Entity Emerging Growth Company EX-101.PRE 7 dfs-20230813_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 8 R1.htm IDEA: XBRL DOCUMENT v3.23.2
Document and Entity Information
Aug. 13, 2023
Cover [Abstract]  
Amendment Flag false
Entity Central Index Key 0001393612
Document Type 8-K
Document Period End Date Aug. 13, 2023
Entity Registrant Name DISCOVER FINANCIAL SERVICES
Entity File Number 001-33378
Entity Incorporation State Country Code DE
Entity Tax Identification Number 36-2517428
Entity Address, Address Line One 2500 Lake Cook Road
Entity Address, City or Town Riverwoods
Entity Address, State or Province IL
Entity Address, Postal Zip Code 60015
City Area Code (224)
Local Phone Number 405-0900
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Security 12b Title Common Stock, par value $0.01 per share
Trading Symbol DFS
Security Exchange Name NYSE
Entity Emerging Growth Company false
XML 9 d573571d8k_htm.xml IDEA: XBRL DOCUMENT 0001393612 2023-08-13 2023-08-13 false 0001393612 8-K 2023-08-13 DISCOVER FINANCIAL SERVICES 001-33378 DE 36-2517428 2500 Lake Cook Road Riverwoods IL 60015 (224) 405-0900 false false false false Common Stock, par value $0.01 per share DFS NYSE false EXCEL 10 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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

&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;'-02P$" M% ,4 " !QB Y799!YDAD! #/ P $P @ &N$@ 6T-O F;G1E;G1?5'EP97-=+GAM;%!+!08 "0 ) #X" #X$P ! end XML 11 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 12 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 13 FilingSummary.xml IDEA: XBRL DOCUMENT 3.23.2 html 1 22 1 false 0 0 false 0 false false R1.htm 100000 - Document - Document and Entity Information Sheet http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation Document and Entity Information Cover 1 false false All Reports Book All Reports d573571d8k.htm d573571dex101.htm d573571dex991.htm d573571dex992.htm dfs-20230813.xsd dfs-20230813_lab.xml dfs-20230813_pre.xml http://xbrl.sec.gov/dei/2022 true false JSON 15 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "d573571d8k.htm": { "axisCustom": 0, "axisStandard": 0, "baseTaxonomies": { "http://xbrl.sec.gov/dei/2022": 22 }, "contextCount": 1, "dts": { "inline": { "local": [ "d573571d8k.htm" ] }, "labelLink": { "local": [ "dfs-20230813_lab.xml" ] }, "presentationLink": { "local": [ "dfs-20230813_pre.xml" ] }, "schema": { "local": [ "dfs-20230813.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd", "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://xbrl.sec.gov/dei/2022/dei-2022.xsd", "https://xbrl.sec.gov/naics/2022/naics-2022.xsd" ] } }, "elementCount": 23, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2022": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 22, "memberCustom": 0, "memberStandard": 0, "nsprefix": "dfs", "nsuri": "http://www.discovercard.com/20230813", "report": { "R1": { "firstAnchor": { "ancestors": [ "span", "p", "div", "div", "body", "html" ], "baseRef": "d573571d8k.htm", "contextRef": "duration_2023-08-13_to_2023-08-13", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "100000 - Document - Document and Entity Information", "menuCat": "Cover", "order": "1", "role": "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "p", "div", "div", "body", "html" ], "baseRef": "d573571d8k.htm", "contextRef": "duration_2023-08-13_to_2023-08-13", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag", "terseLabel": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code", "terseLabel": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Cover [Abstract]", "terseLabel": "Cover [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2022", "xbrltype": "stringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date", "terseLabel": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type", "terseLabel": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One", "terseLabel": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town", "terseLabel": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code", "terseLabel": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province", "terseLabel": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key", "terseLabel": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company", "terseLabel": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number", "terseLabel": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation State Country Code", "terseLabel": "Entity Incorporation State Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name", "terseLabel": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number", "terseLabel": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number", "terseLabel": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre Commencement Issuer Tender Offer", "terseLabel": "Pre Commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre Commencement Tender Offer", "terseLabel": "Pre Commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Security 12b Title", "terseLabel": "Security 12b Title" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name", "terseLabel": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material", "terseLabel": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol", "terseLabel": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications", "terseLabel": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2022", "presentation": [ "http://www.discovercard.com//20230813/taxonomy/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r5": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425", "role": "http://www.xbrl.org/2003/role/presentationRef" } }, "version": "2.2" } ZIP 16 0001193125-23-212472-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001193125-23-212472-xbrl.zip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end