CONSOLIDATED STATEMENT OF CASH FLOWS (USD $) In Millions, unless otherwise specified	12 Months Ended
	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Cash flows from operating activities
Net income (loss)	$ 523		$ 536		$ (845)
Income (loss) from discontinued operations	(24)		(177)		1,560
Income (loss) from continuing operations	547		713		(2,405)
Adjustments to reconcile income to net cash used in operating activities:
Provision for credit losses	(365)		(21)		2,224	[1]
Lower of amortized cost or fair value adjustment on receivables held for sale	(201)		(536)		1,529
(Gain) loss on sale of real estate owned, including lower of amortized cost or fair value adjustments	(20)		8		44
Depreciation and amortization	9		8		7
Mark-to-market on debt designated at fair value and related derivatives	59		90		852
Foreign exchange and derivative movements on long-term debt and net change in non-fair value option related derivative assets and liabilities	(799)		(445)		(621)
Deferred income tax (benefit) provision	116		1,242		(448)
Net change in other assets	328		(72)		(77)
Net change in other liabilities	(136)		(109)		(333)
Other, net	68		121		331
Cash provided by (used in) operating activities – continuing operations	(394)		999		1,103
Cash provided by (used in) operating activities – discontinued operations	41		(239)		2,161
Cash provided by (used in) operating activities	(353)		760		3,264
Securities:
Purchased	0		0		(46)
Matured	0		0		89
Sold	0		0		124
Net change in short-term securities available-for-sale	0		80		(56)
Net change in securities purchased under agreements to resell	3,060		(4,763)		(1,240)
Net change in interest bearing deposits with banks	(2,000)		1,371		(231)
Receivables:
Net collections	2,046		2,872		3,085
Proceeds from sales of receivables	2,242		6,095		0
Proceeds from sales of real estate owned	442		640		579
Purchases of properties and equipment	0		(6)		(3)
Cash provided by investing activities – continuing operations	5,790		6,289		2,301
Cash provided by investing activities – discontinued operations	0		215		9,508
Cash provided by investing activities	5,790		6,504		11,809
Debt:
Net change in commercial paper	0		0		(4,026)
Net change in due to affiliates	(1,813)		(329)		759
Long-term debt retired	(3,524)		(7,011)		(11,408)
Shareholders’ dividends	(123)		(123)		(123)
Cash used in financing activities – continuing operations	(5,460)		(7,463)		(14,798)
Cash used in financing activities – discontinued operations	0		0		(196)
Cash used in financing activities	(5,460)		(7,463)		(14,994)
Net change in cash	(23)		(199)		79
Cash at beginning of period	198	[2],[3]	397	[2],[3]	318	[2]
Cash at end of period	175	[3]	198	[2],[3]	397	[2],[3]
Supplemental Cash Flow Information:
Interest paid	1,099		1,420		1,913
Income taxes paid during period	32		8		2,226
Income taxes refunded during period	278		889		1,498
Supplemental Noncash Investing and Capital Activities:
Fair value of properties added to real estate owned	258		744		551
Transfer of receivables to held for sale	$ 909		$ 2,130		$ 6,756

[1] Provision for credit losses during 2012 includes $112 million related to the lower of amortized cost or fair value attributable to credit for personal non-credit card receivables transferred to held for sale at June 30, 2012. See Note 7, "Receivables Held for Sale," for additional information.

[2] Cash at beginning of period includes $23 million, $200 million and $103 million for discontinued operations as of January 1, 2014, 2013 and 2012, respectively.

[3] Cash at end of period includes $18 million, $23 million and $200 million for discontinued operations as of December 31, 2014, 2013 and 2012, respectively.