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Finance Receivables and Loans, Net (Tables)
 3 Months Ended
Mar. 31, 2017
Loans and Leases Receivable, Net Amount [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
The composition of finance receivables and loans reported at gross carrying value was as follows.
($ in millions)
 
March 31, 2017
 
December 31, 2016
Consumer automotive (a)
 
$
65,663

 
$
65,793

Consumer mortgage
 
 
 
 
Mortgage Finance (b)
 
8,331

 
8,294

Mortgage — Legacy (c)
 
2,606

 
2,756

Total consumer mortgage
 
10,937

 
11,050

Total consumer
 
76,600

 
76,843

Commercial
 
 
 
 
Commercial and industrial
 
 
 
 
Automotive
 
34,911

 
35,041

Other
 
3,499

 
3,248

Commercial real estate — Automotive
 
3,992

 
3,812

Total commercial
 
42,402

 
42,101

Total finance receivables and loans (d)
 
$
119,002

 
$
118,944

(a)
Includes $34 million and $43 million of fair value adjustment for loans in hedge accounting relationships at March 31, 2017, and December 31, 2016, respectively. Refer to Note 19 for additional information.
(b)
Includes loans originated as interest-only mortgage loans of $26 million and $30 million at March 31, 2017, and December 31, 2016, respectively, 3% of which are expected to start principal amortization in 2017, none in 2018, 37% in 2019, 42% in 2020, and none thereafter.
(c)
Includes loans originated as interest-only mortgage loans of $653 million and $714 million at March 31, 2017, and December 31, 2016, respectively, 17% of which are expected to start principal amortization in 2017, 2% in 2018, none in 2019, none in 2020, and 1% thereafter.
(d)
Totals include net increases of $393 million and $359 million at March 31, 2017, and December 31, 2016, respectively, for unearned income, unamortized premiums and discounts, and deferred fees and costs.
Allowance for Credit Losses on Financing Receivables [Table Text Block]
The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans.
Three months ended March 31, 2017 ($ in millions)

Consumer automotive

Consumer mortgage

Commercial

Total
Allowance at January 1, 2017

$
932


$
91


$
121


$
1,144

Charge-offs (a)

(341
)

(9
)

—


(350
)
Recoveries

90


7


—


97

Net charge-offs

(251
)

(2
)

—


(253
)
Provision for loan losses

267


(3
)

7


271

Other (b)

(7
)

—


—


(7
)
Allowance at March 31, 2017

$
941

 
$
86

 
$
128


$
1,155

Allowance for loan losses at March 31, 2017








Individually evaluated for impairment

$
32


$
33


$
24


$
89

Collectively evaluated for impairment

909


53


104


1,066

Finance receivables and loans at gross carrying value

 
 
 
 
 
 
 
Ending balance

$
65,663


$
10,937


$
42,402


$
119,002

Individually evaluated for impairment

388


249


120


757

Collectively evaluated for impairment

65,275


10,688


42,282


118,245

(a)
Represents the amount of the gross carrying value directly written-off. For consumer and commercial loans, the loss from a charge-off is measured as the difference between the gross carrying value of a loan and the fair value of the collateral, less costs to sell. Refer to Note 1 to the Consolidated Financial Statements in our 2016 Annual Report on Form 10-K for more information regarding our charge-off policies.
(b)
Primarily related to the transfer of finance receivables and loans from held-for-investment to held-for-sale.
Three months ended March 31, 2016 ($ in millions)
 
Consumer automotive
 
Consumer mortgage
 
Commercial
 
Total
Allowance at January 1, 2016
 
$
834

 
$
114

 
$
106

 
$
1,054

Charge-offs (a)
 
(253
)
 
(10
)
 
—

 
(263
)
Recoveries
 
80

 
4

 
—

 
84

Net charge-offs
 
(173
)
 
(6
)
 
—

 
(179
)
Provision for loan losses
 
207

 
7

 
6

 
220

Other (b)
 
(18
)
 
—

 
—

 
(18
)
Allowance at March 31, 2016
 
$
850

 
$
115

 
$
112

 
$
1,077

Allowance for loan losses at March 31, 2016








Individually evaluated for impairment

$
25


$
43


$
18


$
86

Collectively evaluated for impairment

825


72


94


991

Finance receivables and loans at gross carrying value

 
 
 
 
 



Ending balance

$
63,013


$
10,675


$
37,188


$
110,876

Individually evaluated for impairment

337


261


90


688

Collectively evaluated for impairment

62,676


10,414


37,098


110,188

(a)
Represents the amount of the gross carrying value directly written-off. For consumer and commercial loans, the loss from a charge-off is measured as the difference between the gross carrying value of a loan and the fair value of the collateral, less costs to sell. Refer to Note 1 to the Consolidated Financial Statements in our 2016 Annual Report on Form 10-K for more information regarding our charge-off policies.
(b)
Primarily related to the transfer of finance receivables and loans from held-for-investment to held-for-sale.
Schedule Of Sales Of Financing Receivables And Loans [Table Text Block]
The following table presents information about significant sales of finance receivables and loans and transfers of finance receivables and loans from held-for-investment to held-for-sale.
 
 
Three months ended March 31,
($ in millions)

2017

2016
Consumer automotive

$
1,213


$
2,599

Consumer mortgage

3


2

Total sales and transfers

$
1,216


$
2,601
Schedule of Purchases of Financing Receivables and Loans [Table Text Block]
The following table presents information about significant purchases of finance receivables and loans.
 
 
Three months ended March 31,
($ in millions)
 
2017
 
2016
Consumer automotive

$
68


$
—

Consumer mortgage

327


1,370

Total purchases of finance receivables and loans

$
395

 
$
1,370
Past Due Financing Receivables [Table Text Block]

The following table presents an analysis of our past due finance receivables and loans recorded at gross carrying value.
($ in millions)
 
30–59 days past due
 
60–89 days past due
 
90 days or more past due
 
Total past due
 
Current
 
Total finance receivables and loans
March 31, 2017
 
 
 
 
 
 
 
 
 
 
 
 
Consumer automotive
 
$
1,346

 
$
308

 
$
263

 
$
1,917

 
$
63,746

 
$
65,663

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
 
30

 
2

 
7

 
39

 
8,292

 
8,331

Mortgage — Legacy
 
33

 
14

 
57

 
104

 
2,502

 
2,606

Total consumer mortgage
 
63

 
16

 
64

 
143

 
10,794

 
10,937

Total consumer
 
1,409

 
324

 
327

 
2,060

 
74,540

 
76,600

Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
 
Automotive
 
—

 
—

 
6

 
6

 
34,905

 
34,911

Other
 
—

 
—

 
—

 
—

 
3,499

 
3,499

Commercial real estate — Automotive
 
—

 
—

 
—

 
—

 
3,992

 
3,992

Total commercial
 
—


—


6


6


42,396


42,402

Total consumer and commercial
 
$
1,409


$
324


$
333


$
2,066


$
116,936


$
119,002

December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
Consumer automotive
 
$
1,850

 
$
428

 
$
302

 
$
2,580

 
$
63,213

 
$
65,793

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
 
39

 
6

 
4

 
49

 
8,245

 
8,294

Mortgage — Legacy
 
45

 
18

 
57

 
120

 
2,636

 
2,756

Total consumer mortgage
 
84

 
24

 
61

 
169

 
10,881

 
11,050

Total consumer
 
1,934

 
452

 
363

 
2,749

 
74,094

 
76,843

Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
 
Automotive
 
3

 
—

 
7

 
10

 
35,031

 
35,041

Other
 
—

 
—

 
—

 
—

 
3,248

 
3,248

Commercial real estate — Automotive
 
—

 
—

 
—

 
—

 
3,812

 
3,812

Total commercial
 
3


—


7


10


42,091


42,101

Total consumer and commercial
 
$
1,937


$
452


$
370


$
2,759


$
116,185


$
118,944
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table presents the gross carrying value of our finance receivables and loans on nonaccrual status.
($ in millions)
 
March 31, 2017
 
December 31, 2016
Consumer automotive
 
$
573

 
$
598

Consumer mortgage
 
 
 
 
Mortgage Finance
 
10

 
10

Mortgage — Legacy
 
95

 
89

Total consumer mortgage
 
105

 
99

Total consumer
 
678

 
697

Commercial
 
 
 
 
Commercial and industrial
 
 
 
 
Automotive
 
34

 
33

Other
 
81

 
84

Commercial real estate — Automotive
 
5

 
5

Total commercial
 
120

 
122

Total consumer and commercial finance receivables and loans
 
$
798


$
819
Financing Receivable Credit Quality Indicators - Performing and Nonperforming [Table Text Block]
The following table presents performing and nonperforming credit quality indicators in accordance with our internal accounting policies for our consumer finance receivables and loans recorded at gross carrying value. Nonperforming loans include finance receivables and loans on nonaccrual status when the principal or interest has been delinquent for 90 days or when full collection is not expected. Refer to Note 1 to the Consolidated Financial Statements in our 2016 Annual Report on Form 10-K for additional information.
 
 
March 31, 2017
 
December 31, 2016
($ in millions)
 
Performing
 
Nonperforming
 
Total
 
Performing
 
Nonperforming
 
Total
Consumer automotive
 
$
65,090

 
$
573

 
$
65,663

 
$
65,195

 
$
598

 
$
65,793

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
 
8,321

 
10

 
8,331

 
8,284

 
10

 
8,294

Mortgage — Legacy
 
2,511

 
95

 
2,606

 
2,667

 
89

 
2,756

Total consumer mortgage
 
10,832

 
105

 
10,937

 
10,951

 
99

 
11,050

Total consumer
 
$
75,922

 
$
678

 
$
76,600

 
$
76,146

 
$
697

 
$
76,843
Schedule Of Pass And Criticized Credit Quality Indicators Of Finance Receivables [Table Text Block]
The following table presents pass and criticized credit quality indicators based on regulatory definitions for our commercial finance receivables and loans recorded at gross carrying value.
 
 
March 31, 2017
 
December 31, 2016
($ in millions)
 
Pass
 
Criticized (a)
 
Total
 
Pass
 
Criticized (a)
 
Total
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
 
Automotive
 
$
32,878

 
$
2,033

 
$
34,911

 
$
33,160

 
$
1,881

 
$
35,041

Other
 
2,814

 
685

 
3,499

 
2,597

 
651

 
3,248

Commercial real estate — Automotive
 
3,816

 
176

 
3,992

 
3,653

 
159

 
3,812

Total commercial
 
$
39,508

 
$
2,894

 
$
42,402


$
39,410

 
$
2,691

 
$
42,101

(a)
Includes loans classified as special mention, substandard, or doubtful. These classifications are based on regulatory definitions and generally represent loans within our portfolio that have a higher default risk or have already defaulted.
Impaired Financing Receivables [Table Text Block]
The following table presents information about our impaired finance receivables and loans.
($ in millions)
 
Unpaid principal balance (a)
 
Gross carrying value
 
Impaired with no allowance
 
Impaired with an allowance
 
Allowance for impaired loans
March 31, 2017
 
 
 
 
 
 
 
 
 
 
Consumer automotive
 
$
422

 
$
388

 
$
124

 
$
264

 
$
32

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
 
8

 
8

 
4

 
4

 
—

Mortgage — Legacy
 
245

 
241

 
56

 
185

 
33

Total consumer mortgage
 
253

 
249

 
60

 
189

 
33

Total consumer
 
675

 
637

 
184

 
453

 
65

Commercial
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
Automotive
 
34

 
34

 
7

 
27

 
2

Other
 
98

 
81

 
19

 
62

 
21

Commercial real estate — Automotive
 
5

 
5

 
—

 
5

 
1

Total commercial
 
137

 
120

 
26

 
94

 
24

Total consumer and commercial finance receivables and loans
 
$
812


$
757


$
210


$
547


$
89

December 31, 2016
 
 
 
 
 
 
 
 
 
 
Consumer automotive
 
$
407

 
$
370

 
$
131

 
$
239

 
$
28

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
 
8

 
8

 
3

 
5

 
—

Mortgage — Legacy
 
243

 
239

 
56

 
183

 
34

Total consumer mortgage
 
251

 
247

 
59

 
188

 
34

Total consumer
 
658

 
617

 
190

 
427

 
62

Commercial
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
Automotive
 
33

 
33

 
7

 
26

 
3

Other
 
99

 
84

 
—

 
84

 
19

Commercial real estate — Automotive
 
5

 
5

 
2

 
3

 
1

Total commercial
 
137

 
122

 
9

 
113

 
23

Total consumer and commercial finance receivables and loans
 
$
795


$
739


$
199


$
540


$
85

(a)
Adjusted for charge-offs.
Schedule of Average Balance And Interest Income Of Impaired Finance Receivables [Table Text Block]
The following table presents average balance and interest income for our impaired finance receivables and loans.
 
 
2017
 
2016
Three months ended March 31, ($ in millions)
 
Average balance
 
Interest income
 
Average balance
 
Interest income
Consumer automotive
 
$
379

 
$
5

 
$
326

 
$
4

Consumer mortgage
 
 
 
 
 
 
 
 
Mortgage Finance
 
8

 
—

 
9

 
—

Mortgage — Legacy
 
241

 
2

 
255

 
2

Total consumer mortgage
 
249

 
2

 
264

 
2

Total consumer
 
628

 
7

 
590

 
6

Commercial
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
Automotive
 
33

 
—

 
23

 
—

Other
 
83

 
—

 
49

 
1

Commercial real estate — Automotive
 
5

 
—

 
6

 
—

Total commercial
 
121

 
—

 
78

 
1

Total consumer and commercial finance receivables and loans
 
$
749


$
7


$
668


$
7
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following table presents information related to finance receivables and loans recorded at gross carrying value modified in connection with a TDR during the period.
 
2017
 
2016
Three months ended March 31, ($ in millions)
Number of loans
 
Pre-modification gross carrying value 
 
Post-modification gross carrying value 
 
Number of loans
 
Pre-modification gross carrying value
 
Post-modification gross carrying value
Consumer automotive
6,447

 
$
115

 
$
99

 
5,622

 
$
89

 
$
76

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
1

 
—

 
—

 
1

 
1

 
1

Mortgage — Legacy
53

 
12

 
12

 
31

 
4

 
4

Total consumer mortgage
54

 
12

 
12

 
32

 
5

 
5

Total consumer
6,501

 
127

 
111

 
5,654

 
94

 
81

Commercial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Automotive
—

 
—

 
—

 
—

 
—

 
—

Other
1

 
23

 
23

 
—

 
—

 
—

Commercial real estate — Automotive
—

 
—

 
—

 
—

 
—

 
—

Total commercial
1

 
23

 
23

 
—

 
—

 
—

Total consumer and commercial finance receivables and loans
6,502

 
$
150

 
$
134

 
5,654

 
$
94

 
$
81
Finance receivables and loans redefaulted during the period [Table Text Block]
The following table presents information about finance receivables and loans recorded at gross carrying value that have redefaulted during the reporting period and were within 12 months or less of being modified as a TDR. Redefault is when finance receivables and loans meet the requirements for evaluation under our charge-off policy (refer to Note 1 to the Consolidated Financial Statements in our 2016 Annual Report on Form 10-K for additional information) except for commercial finance receivables and loans, where redefault is defined as 90 days past due.
 
 
2017
 
2016
Three months ended March 31, ($ in millions)
 
Number of loans
 
Gross carrying  value
 
Charge-off amount
 
Number of loans
 
Gross carrying value
 
Charge-off amount
Consumer automotive
 
1,989

 
$
24

 
$
16

 
1,800

 
$
23

 
$
12

Consumer mortgage
 
 
 
 
 
 
 
 
 
 
 
 
Mortgage Finance
 
1

 
1

 
—

 
—

 
—

 
—

Mortgage — Legacy
 
—

 
—

 
—

 
1

 
—

 
—

Total consumer finance receivables and loans
 
1,990

 
$
25

 
$
16

 
1,801

 
$
23

 
$
12