CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating activities:
Income from continuing operations, net of tax	$ 1,877	$ 2,391
Net income	1,877	2,391
Adjustments to reconcile net income (loss) to net cash from operating activities:
Provision for credit losses	6,592	5,285
Depreciation and amortization, net	1,617	1,576
Deferred tax provision (benefit)	(353)	(400)
Loss (gain) on sales of loans	27	(3)
Stock-based compensation expense	298	277
Other	31	(48)
Loans held for sale:
Originations and purchases	(2,068)	(3,339)
Proceeds from sales and paydowns	1,997	2,975
Changes in operating assets and liabilities:
Changes in interest receivable	(16)	(178)
Changes in other assets	(444)	(55)
Changes in interest payable	19	110
Changes in other liabilities	(324)	(2,245)
Net cash from operating activities	9,253	6,346
Securities available for sale:
Purchases	(6,859)	(5,947)
Proceeds from paydowns and maturities	5,347	4,282
Loans:
Net changes in loans originated as held for investment	(4,683)	(2,749)
Principal recoveries of loans previously charged off	1,374	1,133
Changes in premises and equipment	(536)	(441)
Net cash used in acquisition activities	0	(2,785)
Net cash used in other investing activities	(500)	(652)
Net cash used in investing activities	(5,857)	(7,159)
Financing activities:
Changes in deposits	3,050	10,743
Issuance of securitized debt obligations	0	2,444
Maturities and paydowns of securitized debt obligations	(812)	(1,551)
Issuance of senior and subordinated notes	1,993	5,727
Maturities and paydowns of senior and subordinated notes	(2,911)	(4,886)
Changes in other borrowings	175	(53)
Common stock:
Net proceeds from issuances	175	164
Dividends paid	(467)	(466)
Preferred stock:
Dividends paid	(114)	(114)
Purchases of treasury stock	(412)	(403)
Proceeds from share-based payment activities	1	0
Net cash from financing activities	678	11,605
Changes in cash, cash equivalents and restricted cash for securitization investors	4,074	10,792
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period	43,755	31,256
Cash, cash equivalents and restricted cash for securitization investors, end of the period	47,829	42,048
Supplemental cash flow information:
Interest paid	6,485	6,324
Income tax paid	$ 226	$ 631