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Revenue from Contracts with Customers (Tables)
 12 Months Ended
Dec. 31, 2022
Revenue from Contract with Customer [Abstract]  
Disaggregation of Revenue
The following table presents a disaggregated view of our revenue from contracts with customers included in other revenue that falls within the scope of the revenue recognition principles of ASC Topic 606, Revenue from Contracts with Customers.
Year ended December 31, ($ in millions)
Automotive Finance operationsInsurance operationsMortgage Finance operationsCorporate Finance operationsCorporate and OtherConsolidated
2022
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)$— $655 $— $— $— $655 
Remarketing fee income107 — — — — 107 
Brokerage commissions and other revenue— — — — 64 64 
Banking fees and interchange income (d) (e)— — — — 44 44 
Brokered/agent commissions— 14 — — — 14 
Other20 — — — 4 24 
Total revenue from contracts with customers
127 669 — — 112 908 
All other revenue
179 354 27 122 (12)670 
Total other revenue (f)$306 $1,023 $27 $122 $100 $1,578 
2021
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)$— $627 $— $— $— $627 
Remarketing fee income107 — — — — 107 
Brokerage commissions and other revenue— — — — 58 58 
Banking fees and interchange income (d) (e)— — — — 18 18 
Brokered/agent commissions— 16 — — — 16 
Other22 — — — 4 26 
Total revenue from contracts with customers
129 643 — — 80 852 
All other revenue122 702 94 128 141 1,187 
Total other revenue (f)$251 $1,345 $94 $128 $221 $2,039 
2020
Revenue from contracts with customers
Noninsurance contracts (a) (b) (c)$— $584 $— $— $— $584 
Remarketing fee income73 — — — — 73 
Brokerage commissions and other revenue— — — — 52 52 
Banking fees and interchange income— — — — 12 12 
Brokered/agent commissions— 16 — — — 16 
Other15 1 — — — 16 
Total revenue from contracts with customers
88 601 — — 64 753 
All other revenue116 733 102 45 234 1,230 
Total other revenue (f)$204 $1,334 $102 $45 $298 $1,983 
(a)We had opening balances of $3.1 billion, $3.0 billion, and $2.9 billion in unearned revenue associated with outstanding contracts at January 1, 2022, 2021, and 2020 respectively, and $939 million, $909 million, and $866 million of these balances were recognized as insurance premiums and service revenue earned in our Consolidated Statement of Income during the years ended December 31, 2022, 2021, and 2020, respectively.
(b)At December 31, 2022, we had unearned revenue of $3.0 billion associated with outstanding contracts, and with respect to this balance we expect to recognize revenue of $883 million in 2023, $747 million in 2024, $565 million in 2025, $384 million in 2026, and $402 million thereafter. We had unearned revenue of $3.1 billion and $3.0 billion associated with outstanding contracts at December 31, 2021, and 2020, respectively.
(c)We had deferred insurance assets of $1.8 billion at both December 31, 2022, and 2020, and $1.9 billion at December 31, 2021. We recognized $564 million, $537 million, and $498 million of expense during the years ended December 31, 2022, 2021, and 2020, respectively.
(d)Effective May 25, 2021, we eliminated all overdraft fees for Ally Bank deposit accounts.
(e)Interchange income is reported net of customer rewards. Customer rewards expense was $14 million and $1 million for the years ended December 31, 2022, and 2021, respectively.
(f)Represents a component of total net revenue. Refer to Note 26 for further information on our reportable operating segments.