Other Operating Expenses

12 Months Ended

Dec. 31, 2013

Operating Expenses [Abstract]

Other Operating Expenses [Text Block]

Other Operating Expenses

Details of other operating expenses were as follows.

Year ended December 31, ($ in millions)	2013		2012		2011
Insurance commissions	$	370	$	382	$	431
Technology and communications	346		317		342
Professional services	176		149		171
Lease and loan administration	173		325		201
Advertising and marketing	136		145		150
Regulatory and licensing fees	116		118		124
Provision for legal and regulatory settlements (a)	105		6		2
Mortgage representation and warranty obligation, net	104		171		—
Premises and equipment depreciation	81		76		70
Vehicle remarketing and repossession	60		52		84
Occupancy	44		50		47
Other	270		271		361
Total other operating expenses	$	1,981	$	2,062	$	1,983

(a) Results for the year ended December 31, 2013 include a $98 million settlement charge related to Consent Orders issued by the Consumer Financial Protection Bureau (CFPB) and the U.S. Department of Justice (DOJ) pertaining to the allegation of disparate impact in the automotive finance business. Refer to Note 29 for additional details.