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Allowance for Credit Losses
 6 Months Ended
Apr. 30, 2021
Allowance For Credit Losses [Abstract]  
Allowance for Credit Losses Allowance for Credit LossesOur two finance receivables portfolio segments, retail and wholesale, each consist of one class of receivable based on: (i) initial measurement attributes of the receivables and (ii) the assessment and monitoring of risk and performance of the receivables. For more information, see Note 4, Finance Receivables.
The following tables present the activity related to our allowance for credit losses for our retail portfolio segment, wholesale portfolio segment, and trade and other receivables. On November 1, 2020, we adopted ASU 2016-13. For an explanation of the adoption of ASU 2016-13, see Note 1, Summary of Significant Accounting Policies:

Three Months Ended April 30, 2021Six Months Ended April 30, 2021
(in millions)Retail
Portfolio		Wholesale
Portfolio		Trade and
Other
Receivables		TotalRetail
Portfolio		Wholesale
Portfolio		Trade and
Other
Receivables		Total
Allowance for doubtful accounts at beginning of periodN/AN/AN/AN/A$23 $2 $19 $44 
Adoption of ASU 2016-13N/AN/AN/AN/A7 — 1 8 
Reclassifications(A)
N/AN/AN/AN/A— — (8)(8)
Allowance for credit losses at beginning of period$33 $2 $12 $47 30 2 12 44 
Provision for credit losses2 — 1 3 5 — 1 6 
Charge-offs(3)— — (3)(5)— — (5)
Recoveries1 — — 1 1 — — 1 
Other(B)
(1)— 1 — 1 — 1 2 
Allowance for credit losses at end of period$32 $2 $14 $48 $32 $2 $14 $48 

Three Months Ended April 30, 2020Six Months Ended April 30, 2020
(in millions)Retail
Portfolio		Wholesale
Portfolio		Trade and
Other
Receivables		TotalRetail
Portfolio		Wholesale
Portfolio		Trade and
Other
Receivables		Total
Allowance for doubtful accounts at beginning of period$22 $3 $21 $46 $20 $3 $21 $44 
Provision for doubtful accounts4 (1)2 5 7 (1)3 9 
Charge-offs(1)— — (1)(3)— — (3)
Other(B)
(4)— (3)(7)(3)— (4)(7)
Allowance for doubtful accounts at end of period$21 $2 $20 $43 $21 $2 $20 $43 
____________________
(A) In conjunction with the adoption of ASU 2016-13, we reclassified $8 million of non-credit allowances existing at October 31, 2020, to other components of Trade and other receivables, net and Other current liabilities.
(B) Amounts include the impact from currency translation.
Certain loss reserves on finance receivables are recorded by our Truck segment under trade and other receivables above.
Impaired finance receivables include non-performing and troubled debt restructurings ("TDR"). Non-performing receivables are those over 90 days past due or otherwise deemed not fully collectible under existing contractual terms. The accrual of interest income is suspended on non-performing finance receivables. As such, the amortized cost of our finance receivables contains an insignificant amount of accrued interest. We may continue to collect payments on our impaired finance receivables.
The following table presents information regarding impaired finance receivables:
 April 30, 2021October 31, 2020
(in millions)Retail
Portfolio		Wholesale
Portfolio		TotalRetail
Portfolio		Wholesale
Portfolio		Total
Impaired finance receivables with specific loss reserves$46 $— $46 $31 $— $31 
Impaired finance receivables without specific loss reserves— — — — — — 
Specific loss reserves on impaired finance receivables14 — 14 12 — 12 
Finance receivables on non-accrual status29 — 29 31 — 31 
The average balances of the impaired finance receivables in the retail portfolio were $39 million and $25 million during the six months ended April 30, 2021 and 2020, respectively. See Note 11, Fair Value Measurements, for information on the valuation of impaired finance receivables.
In response to the COVID-19 pandemic, we may grant limited payment extensions to certain customers who were not past due before the pandemic. There is no forgiveness of principal or interest in connection with these extensions. For those extensions requiring further modifications, we concluded that such modifications are TDRs. We have TDRs in the normal course of our Financial Services operations; however, such amounts are not material.
The age analysis is used to assess risk in our portfolio segments and to aide in identifying impaired receivables. The following table presents the aging analysis for finance receivables:
 April 30, 2021October 31, 2020
(in millions)Retail
Portfolio		Wholesale
Portfolio		TotalRetail
Portfolio		Wholesale
Portfolio		Total
Current, and up to 30 days past due$579 $1,009 $1,588 $558 $1,024 $1,582 
30-90 days past due42 — 42 44 1 45 
Over 90 days past due22 — 22 20 — 20 
Total finance receivables$643 $1,009 $1,652 $622 $1,025 $1,647 
The following table presents the amortized cost of our receivables that have an original maturity of more than one year. Performing and non-performing receivables are disaggregated as we measure expected credit losses differently. This table excludes our wholesale portfolio, trade accounts and other receivables which are short term in nature.
Year of Origination
(in millions)20212020201920182017Prior to 2017Total
Retail - U.S. performing receivables$10 $16 $8 $5 $5 $— $44 
Retail - Mexico performing receivables76 119 87 53 16 4 355 
   Total performing receivables86 135 95 58 21 4 399 
Retail - U.S. non-performing receivables— — — — — — — 
Retail - Mexico non-performing receivables2 4 5 9 4 4 28 
   Total non-performing receivables2 4 5 9 4 4 28 
Retail - Total$88 $139 $100 $67 $25 $8 $427