CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Operating activities:
Income from continuing operations, net of tax	$ 4,355	$ 4,761
Income (loss) from discontinued operations, net of tax	15	(7)
Net income	4,370	4,754
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	4,418	4,218
Depreciation and amortization, net	2,434	1,721
Deferred tax provision (benefit)	(72)	149
Net securities losses (gains)	(44)	189
Gain on sales of loans	(53)	(539)
Stock-based compensation expense	175	153
Other	0	(51)
Loans held for sale:
Originations and purchases	(8,064)	(6,285)
Proceeds from sales and paydowns	8,126	5,707
Changes in operating assets and liabilities:
Changes in interest receivable	(13)	18
Changes in other assets	1,852	(118)
Changes in interest payable	(88)	(22)
Changes in other liabilities	(522)	(856)
Net cash from operating activities	12,519	9,038
Securities available for sale:
Purchases	(8,919)	(11,136)
Proceeds from paydowns and maturities	6,099	5,839
Proceeds from sales	4,226	3,512
Securities held to maturity:
Purchases	(396)	(16,373)
Proceeds from paydowns and maturities	3,209	1,839
Loans:
Net changes in loans held for investment	(10,555)	9,646
Principal recoveries of loans previously charged off	1,947	1,927
Net purchases of premises and equipment	(631)	(669)
Net cash from acquisition activities	(85)	0
Net cash from other investing activities	(781)	(456)
Net cash from investing activities	(5,886)	(5,871)
Financing activities:
Changes in deposits	7,072	3,667
Issuance of securitized debt obligations	6,656	997
Maturities and paydowns of securitized debt obligations	(6,222)	(2,248)
Issuance of senior and subordinated notes and long-term FHLB advances	4,142	5,977
Maturities and paydowns of senior and subordinated notes and long-term FHLB advances	(5,595)	(12,958)
Changes in other borrowings	(8,964)	914
Common stock:
Net proceeds from issuances	153	137
Dividends paid	(569)	(584)
Preferred stock:
Net proceeds from issuances	1,463	0
Dividends paid	(185)	(185)
Purchases of treasury stock	(536)	(1,646)
Proceeds from share-based payment activities	0	38
Net cash from financing activities	(2,585)	(5,891)
Changes in cash, cash equivalents and restricted cash for securitization investors	4,048	(2,724)
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period	13,489	14,352
Cash, cash equivalents and restricted cash for securitization investors, end of the period	17,537	11,628
Non-cash items:
Net transfers from loans held for investment to loans held for sale	1,494	779
Interest paid	3,689	2,881
Income tax paid	$ 364	$ 375