Other Operating Expenses

9 Months Ended

Sep. 30, 2012

Other Cost and Expense Disclosure, Operating [Abstract]

Other Operating Expenses [Text Block]

Other Operating Expenses

Details of other operating expenses were as follows.

	Three months ended September 30,				Nine months ended September 30,
($ in millions)	2012		2011		2012			2011
Insurance commissions	$	106	$	116	$	325		$	350
Lease and loan administration	94		47		204			136
Technology and communications	86		127		321			361
Professional services	69		83		278			226
Advertising and marketing	38		46		114			141
Regulatory and licensing fees	33		32		101			102
Mortgage representation and warranty obligation, net	30		70		67			280
Premises and equipment depreciation	24		24		73			73
Vehicle remarketing and repossession	20		32		65			104
State and local non-income taxes	23		29		52			95
Occupancy	17		25		62			69
Impairment and accruals related to ResCap deconsolidation	—		—		1,192		(a)	—
Other	79		123		414			455
Total other operating expenses	$	619	$	754	$	3,268		$	2,392

(a) This charge consists of the $442 million total impairment of our investment in ResCap and a $750 million cash contribution to be made by us to the Debtors' estate. Refer to Note 1 for more information regarding the Debtors' bankruptcy, deconsolidation, and this charge.