Other Operating Expenses (Tables)

12 Months Ended

Dec. 31, 2015

Operating Expenses [Abstract]

Schedule of Other Operating Cost and Expense, by Component [Table Text Block]

Details of other operating expenses were as follows.

Year ended December 31, ($ in millions)	2015			2014			2013
Insurance commissions	$	378		$	374		$	370
Technology and communications	267			334			346
Lease and loan administration	126			122			173
Advertising and marketing	107			111			136
Professional services	93			100			176
Premises and equipment depreciation	82			81			81
Regulatory and licensing fees	79			87			116
Vehicle remarketing and repossession	78			83			60
Occupancy	50			47			44
Provision for legal and regulatory settlements (a)	45			4			105
Non-income taxes	29			40			35
Mortgage representation and warranty obligation, net	(13		)	(10		)	104
Other	184			218			235
Total other operating expenses	$	1,505		$	1,591		$	1,981

(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.