CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Operating activities:
Income from continuing operations, net of tax	$ 4,181	$ 6,128
Net income	4,181	6,128
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	7,569	3,431
Depreciation and amortization, net	2,428	2,367
Deferred tax benefit	(513)	(371)
Net securities losses	0	9
Loss (gain) on sales of loans	1	(193)
Stock-based compensation expense	372	238
Other	(46)	20
Loans held for sale:
Originations and purchases	(3,990)	(6,894)
Proceeds from sales and paydowns	3,847	6,242
Changes in operating assets and liabilities:
Changes in interest receivable	(350)	(390)
Changes in other assets	(483)	(5,898)
Changes in interest payable	158	152
Changes in other liabilities	301	812
Net change from discontinued operations	0	(1)
Net cash from operating activities	13,475	5,652
Securities available for sale:
Purchases	(7,334)	(11,614)
Proceeds from paydowns and maturities	6,663	16,905
Proceeds from sales	0	2,570
Loans:
Net changes in loans originated as held for investment	(8,827)	(25,469)
Principal recoveries of loans previously charged off	1,715	1,631
Net purchases of premises and equipment	(700)	(644)
Net cash used in acquisition activities	(2,785)	(1,127)
Net cash used in other investing activities	(962)	(543)
Net cash used in investing activities	(12,230)	(18,291)
Financing activities:
Changes in deposits	13,080	6,771
Issuance of securitized debt obligations	2,443	8,230
Maturities and paydowns of securitized debt obligations	(2,003)	(6,572)
Issuance of senior and subordinated notes and long-term FHLB advances	5,728	21,271
Maturities and paydowns of senior and subordinated notes and long-term FHLB advances	(4,886)	(8,061)
Changes in other borrowings	(369)	(307)
Common stock:
Net proceeds from issuances	235	214
Dividends paid	(698)	(719)
Preferred stock:
Dividends paid	(171)	(171)
Purchases of treasury stock	(560)	(4,791)
Proceeds from share-based payment activities	4	11
Net cash from financing activities	12,803	15,876
Changes in cash, cash equivalents and restricted cash for securitization investors	14,048	3,237
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period	31,256	22,054
Cash, cash equivalents and restricted cash for securitization investors, end of the period	45,304	25,291
Non-cash items:
Net transfers from loans held for investment to loans held for sale	1,174	680
Interest paid	10,196	1,927
Income tax paid	$ 871	$ 991