Other Operating Expenses

12 Months Ended

Dec. 31, 2014

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)	2014			2013		2012
Insurance commissions	$	374		$	370	$	382
Technology and communications	334			346		317
Lease and loan administration	122			173		325
Advertising and marketing	111			136		145
Professional services	100			176		149
Regulatory and licensing fees	87			116		118
Vehicle remarketing and repossession	83			60		52
Premises and equipment depreciation	81			81		76
Occupancy	47			44		50
Provision for legal and regulatory settlements (a)	4			105		6
Mortgage representation and warranty obligation, net	(10		)	104		171
Other	258			270		271
Total other operating expenses	$	1,591		$	1,981	$	2,062

(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 30 for additional details.