Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities
Net income	$ 371	$ 594
Reconciling adjustments:
Provision for finance receivable losses	1,186	836
Depreciation and amortization	196	203
Deferred income tax charge (benefit)	(72)	8
Net loss on repurchase and repayment of debt	38	35
Share-based compensation expense, net of forfeitures	13	10
Other	5	(8)
Cash flows due to changes in other assets and other liabilities	(108)	51
Net cash provided by operating activities	1,629	1,729
Cash flows from investing activities
Net principal originations of finance receivables held for investment and held for sale	(278)	(2,445)
Proceeds on sale of finance receivables held for sale originated as held for investment	0	19
Available-for-sale securities purchased	(341)	(499)
Available-for-sale securities called, sold, and matured	383	457
Other securities purchased	(11)	(13)
Other securities called, sold, and matured	11	26
Other, net	(21)	(1)
Net cash used for investing activities	(257)	(2,456)
Cash flows from financing activities
Proceeds from issuance of long-term debt, net of commissions	6,445	5,157
Repayment of long-term debt	(6,212)	(3,402)
Cash dividends	(745)	(374)
Common stock repurchased and retired	(45)	0
Withholding tax on share-based compensation	(6)	(5)
Net cash provided by (used in) financing activities	(563)	1,376
Net change in cash and cash equivalents and restricted cash and restricted cash equivalents	809	649
Cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period	1,632	1,178
Cash and cash equivalents and restricted cash and restricted cash equivalents at end of period	2,441	1,827
Supplemental cash flow information
Total cash and cash equivalents and restricted cash and restricted cash equivalents	2,441	1,827
Cash paid for amounts included in the measurement of operating lease liabilities	44	44
Supplemental non-cash activities
Right-of-use assets obtained in exchange for operating lease obligations	34	221
Non-cash contribution of SCLH	0	22
OMFC
Cash flows from operating activities
Net income	371	597
Reconciling adjustments:
Provision for finance receivable losses	1,186	836
Depreciation and amortization	196	203
Deferred income tax charge (benefit)	(72)	9
Net loss on repurchase and repayment of debt	38	35
Share-based compensation expense, net of forfeitures	13	10
Other	5	(8)
Cash flows due to changes in other assets and other liabilities	(112)	77
Net cash provided by operating activities	1,625	1,759
Cash flows from investing activities
Net principal originations of finance receivables held for investment and held for sale	(278)	(2,445)
Proceeds on sale of finance receivables held for sale originated as held for investment	0	19
Available-for-sale securities purchased	(341)	(499)
Available-for-sale securities called, sold, and matured	383	457
Other securities purchased	(11)	(13)
Other securities called, sold, and matured	11	26
Other, net	(21)	(1)
Net cash used for investing activities	(257)	(2,456)
Cash flows from financing activities
Proceeds from issuance of long-term debt, net of commissions	6,445	5,157
Repayment of long-term debt	(6,212)	(3,402)
Cash dividends	(45)
Cash contribution from OMH	0	144
Payments on intercompany notes payable	0	(170)
Withholding tax on share-based compensation	(6)	(5)
Net cash provided by (used in) financing activities	(559)	1,362
Net change in cash and cash equivalents and restricted cash and restricted cash equivalents	809	665
Cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period	1,632	1,162
Cash and cash equivalents and restricted cash and restricted cash equivalents at end of period	2,441	1,827
Supplemental cash flow information
Total cash and cash equivalents and restricted cash and restricted cash equivalents	2,441	1,827
Cash paid for amounts included in the measurement of operating lease liabilities	44	44
Supplemental non-cash activities
Right-of-use assets obtained in exchange for operating lease obligations	34	221
Non-cash merger of SFI with OMFC	0	(408)
SCLH | OMFC
Cash flows from financing activities
Cash contribution of related party	0	12
Supplemental non-cash activities
Non-cash contribution of SCLH	0	22
OMH | OMFC
Cash flows from financing activities
Cash dividends	$ (786)	$ (374)