Expenses

3 Months Ended

Mar. 31, 2019

Other Expenses [Abstract]

Expenses

Expenses

The following table presents the components of other expenses for the periods indicated:

	Three Months Ended March 31,
(In millions)	2019		2018
Professional services	$	80	$	79
Sales advertising public relations	27		26
Insurance	22		32
Regulatory fees and assessments	18		27
Bank operations	11		17
Other	117		99
Total other expenses	$	275	$	280

Acquisition Costs

We recorded $13 million of acquisition costs in the first quarter of 2019 primarily related to our acquisition of CRD. As we integrate CRD into our business, we expect to incur approximately $200 million of acquisition costs, including merger and integration costs, through 2021.

Restructuring and Repositioning Charges

Repositioning Charges

In 2018, we initiated a new expense program to accelerate efforts to become a higher-performing organization and help navigate challenging market and industry conditions.

Beacon

In the first quarter of 2019, we released $4 million of restructuring accruals related to Beacon. We recorded no restructuring charges in the same period in 2018.

The following table presents aggregate activity for the periods indicated:

(In millions)	Employee Related Costs			Real Estate Actions			Asset and Other Write-offs		Total
Accrual balance at December 31, 2017	$	166		$	32		$	3	$	201
Accruals for Beacon	—			—			—		—
Payments and other adjustments	(22		)	(4		)	—		(26		)
Accrual balance at March 31, 2018	$	144		$	28		$	3	$	175
Accrual balance at December 31, 2018	$	303		$	37		$	1	341
Accruals for Beacon	(4		)	—			—		(4		)
Payments and other adjustments	(53		)	(25		)	—		(78		)
Accrual balance at March 31, 2019	$	246		$	12		$	1	$	259