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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Amount      
U.S. Federal income tax expense $ 473 $ 459 $ 669
Increase (decrease) resulting from:      
Federal rate change 0 (34) (331)
State and local income taxes (net of federal benefit) 73 89 46
Bank-owned life insurance (12) (12) (19)
Tax-exempt interest (15) (15) (21)
Tax advantaged investments (including related credits) (50) (44) (51)
Other tax credits (10) (8) (3)
Adjustments for uncertain tax positions 0 1 (23)
Non-deductible FDIC premiums 13 21 0
Legacy tax matters (19) 0 0
Other 7 5 (7)
Income tax expense $ 460 $ 462 $ 260
Rate      
U.S. Federal income tax rate 21.00% 21.00% 35.00%
Increase (decrease) resulting from:      
Federal rate change 0.00% (1.60%) (17.30%)
State and local income taxes (net of federal benefit) 3.20% 4.10% 2.40%
Bank-owned life insurance (0.50%) (0.50%) (1.00%)
Tax-exempt interest (0.70%) (0.70%) (1.10%)
Tax advantaged investments (including related credits) (2.30%) (2.00%) (2.70%)
Other tax credits (0.40%) (0.40%) (0.10%)
Adjustments for uncertain tax positions 0.00% 0.10% (1.20%)
Non-deductible FDIC premiums 0.60% 1.00% 0.00%
Legacy tax matters (0.80%) 0.00% 0.00%
Other 0.30% 0.20% (0.40%)
Total income tax expense and tax rate 20.40% 21.20% 13.60%