Atlanticus (ATLC) 10-Q 14 Aug 20 2020 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2020	Aug. 07, 2020
Document Information [Line Items]
Entity Registrant Name	Atlanticus Holdings Corp
Entity Central Index Key	0001464343
Trading Symbol	atlc
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		15,997,173
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Jun. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q2
Amendment Flag	false
Title of 12(b) Security	Common stock, no par value per share

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Assets
Unrestricted cash and cash equivalents	$ 139,179	$ 135,379
Restricted cash and cash equivalents	38,864	41,015
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value	177,886	4,386
Loans, interest and fees receivable, gross	769,230	998,209
Allowances for uncollectible loans, interest and fees receivable (including $147.6 million and $168.8 million associated with variable interest entities at June 30, 2020 and December 31, 2019, respectively)	(158,091)	(186,329)
Deferred revenue (including $14.5 million and $40.7 million associated with variable interest entities at June 30, 2020 and December 31, 2019, respectively)	(50,610)	(90,307)
Net loans, interest and fees receivable	738,415	725,959
Property at cost, net of depreciation	2,848	2,738
Investments in equity-method investee	1,424	1,957
Deposits	102	104
Operating lease right-of-use assets	11,742	14,091
Prepaid expenses and other assets	11,675	15,023
Total assets	944,249	936,266
Liabilities
Accounts payable and accrued expenses	34,169	41,617
Operating lease liabilities	18,159	22,259
Notes payable, at face value	691,860	749,209
Notes payable associated with structured financings, at fair value (associated with variable interest entities)	3,440	3,920
Convertible senior notes	24,235	24,091
Income tax liability	11,769	5,785
Total liabilities	783,632	846,881
Commitments and contingencies (Note 11)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 15,904,173 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at June 30, 2020; and 15,885,314 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at December 31, 2019
Paid-in capital	205,295	212,692
Accumulated other comprehensive income
Retained deficit	(183,196)	(211,786)
Total shareholders’ equity	22,099	906
Noncontrolling interests	(682)	(571)
Total equity	21,417	335
Total liabilities, preferred stock and shareholders' equity	944,249	936,266
Series A Preferred Stock [Member]
Liabilities
Series A preferred stock, 400,000 shares issued and outstanding at June 30, 2020 (liquidation preference - $40.0 million); 400,000 shares issued and outstanding at December 31, 2019 (Note 4)	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Series A preferred stock, 400,000 shares issued and outstanding at June 30, 2020 (liquidation preference - $40.0 million); 400,000 shares issued and outstanding at December 31, 2019 (Note 4)	$ 99,200	$ 49,050

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Unrestricted cash and cash equivalents	$ 139,179	$ 135,379
Restricted cash and cash equivalents	38,864	41,015
Loans, interest and fees receivable, at fair value	177,886	4,386
Loans, interest and fees receivable, gross	769,230	998,209
Allowances for uncollectible loans, interest and fees receivable	158,091	186,329
Deferred revenue	50,610	90,307
Notes payable, at face value	$ 691,860	$ 749,209
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, authorized (in shares)	150,000,000	150,000,000
Common stock, issued (in shares)	15,904,173	15,885,314
Common stock, outstanding (in shares)	15,904,173	15,885,314
Own-share lending arrangement, outstanding (in shares)	1,459,233	1,459,233
Series A Preferred Stock [Member]
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	400,000	400,000
Preferred stock, shares outstanding (in shares)	400,000	400,000
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	$ 86,000	$ 78,700
Restricted cash and cash equivalents	28,800	25,900
Loans, interest and fees receivable, at fair value	110,300	3,900
Loans, interest and fees receivable, gross	648,000	857,200
Allowances for uncollectible loans, interest and fees receivable	147,600	168,800
Deferred revenue	14,500	40,700
Notes payable, at face value	$ 636,200	$ 701,100

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest income:
Consumer loans, including past due fees	$ 100,046	$ 55,091	$ 203,102	$ 105,481
Other	67	109	158	178
Total interest income	100,113	55,200	203,260	105,659
Interest expense	(12,252)	(12,014)	(25,836)	(23,160)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	87,861	43,186	177,424	82,499
Changes in fair value of loans, interest and fees receivable recorded at fair value	(25,211)	371	(40,698)	370
Fees and related income on earning assets	32,562	14,766	67,825	26,031
Net losses upon impairment of loans, interest and fees receivable recorded at fair value	(374)	(271)	(640)	(525)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(32,530)	(48,414)	(99,866)	(83,012)
Net interest income, fees and related income on earning assets	62,308	9,638	104,045	25,363
Other operating income:
Servicing income	2,910	2,982	5,636	5,042
Other income	2,422	28,570	4,544	45,414
Equity in income of equity-method investee	79	225	13	452
Total other operating income	2,989	29,170	5,649	46,927
Other operating expense:
Salaries and benefits	6,508	6,435	14,018	13,026
Card and loan servicing	15,601	11,527	31,438	21,971
Marketing and solicitation	10,190	9,110	19,507	15,497
Depreciation	320	283	605	572
Other	4,586	4,021	9,387	7,899
Total other operating expense	37,205	31,376	74,955	58,965
Income before income taxes	28,092	7,432	34,739	13,325
Income tax expense	(4,975)	(2,250)	(6,260)	(2,488)
Net income	23,117	5,182	28,479	10,837
Net loss attributable to noncontrolling interests	48	62	111	120
Net income attributable to controlling interests	23,165	5,244	28,590	10,957
Preferred dividends	(4,736)		(7,495)
Net income attributable to common shareholders	$ 18,429	$ 5,244	$ 21,095	$ 10,957
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 1.28	$ 0.36	$ 1.46	$ 0.76
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 0.93	$ 0.35	$ 1.12	$ 0.74
Servicing Income [Member]
Other operating income:
Servicing income	$ 488	$ 375	$ 1,092	$ 1,061

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Net income	$ 23,117	$ 5,182	$ 28,479	$ 10,837
Other comprehensive income (loss):
Foreign currency translation adjustment		2,011		498
Comprehensive income	23,117	7,193	28,479	11,335
Comprehensive loss attributable to noncontrolling interests	48	62	111	120
Comprehensive income attributable to controlling interests	23,165	7,255	28,590	11,455
Comprehensive income attributable to controlling interests to common shareholders	$ 18,429	$ 7,255	$ 21,095	$ 11,455

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Deficit) (Unaudited) - USD ($)	Cumulative Effect, Period of Adoption, Adjustment [Member]Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Noncontrolling Interest [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Class B Preferred Units [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Preferred Stock [Member]Series A Preferred Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Class B Preferred Units [Member]	Preferred Stock [Member]Series A Preferred Stock [Member]	Total
Balance (in shares) at Dec. 31, 2018									15,563,574
Balance at Dec. 31, 2018				$ 555,000				$ 555,000		$ 213,435,000	$ 3,558,000	$ (238,784,000)	$ (338,000)			$ (22,129,000)
Stock option exercises and proceeds related thereto (in shares)									419,500
Stock option exercises and proceeds related thereto										1,065,000						1,065,000
Deferred stock-based compensation costs										412,000						412,000
Redemption and retirement of shares (in shares)									(5,944)
Redemption and retirement of shares										(21,000)						(21,000)
Comprehensive income											(1,513,000)	5,713,000	(58,000)			4,142,000
Balance (in shares) at Mar. 31, 2019									15,977,130
Balance at Mar. 31, 2019										214,891,000	2,045,000	(232,516,000)	(396,000)			(15,976,000)
Balance (in shares) at Dec. 31, 2018									15,563,574
Balance at Dec. 31, 2018				$ 555,000				$ 555,000		213,435,000	3,558,000	(238,784,000)	(338,000)			$ (22,129,000)
Redemption and retirement of shares (in shares)																(70,789)
Redemption and retirement of shares																$ (259,000)
Comprehensive income																11,335,000
Balance (in shares) at Jun. 30, 2019									16,123,285
Balance at Jun. 30, 2019										215,111,000	4,056,000	(227,272,000)	(458,000)			(8,563,000)
Balance (in shares) at Mar. 31, 2019									15,977,130
Balance at Mar. 31, 2019										214,891,000	2,045,000	(232,516,000)	(396,000)			(15,976,000)
Stock option exercises and proceeds related thereto (in shares)									6,000
Stock option exercises and proceeds related thereto										18,000						18,000
Compensatory stock issuances, net of forfeitures (in shares)									205,000
Compensatory stock issuances, net of forfeitures
Deferred stock-based compensation costs										440,000						$ 440,000
Redemption and retirement of shares (in shares)									(64,845)							(64,845)
Redemption and retirement of shares										(238,000)						$ (238,000)
Comprehensive income											2,011,000	5,244,000	(62,000)			7,193,000
Balance (in shares) at Jun. 30, 2019									16,123,285
Balance at Jun. 30, 2019										215,111,000	4,056,000	(227,272,000)	(458,000)			(8,563,000)
Balance (in shares) at Dec. 31, 2019									15,885,314
Balance at Dec. 31, 2019										212,692,000		(211,786,000)	(571,000)	49,050,000	40,000,000	335,000
Accretion of discount associated with issuance of subsidiary equity										(75,000)				75,000		(75,000)
Preferred dividends										(2,684,000)						(2,684,000)
Stock option exercises and proceeds related thereto (in shares)									2,000
Stock option exercises and proceeds related thereto										6,000						6,000
Compensatory stock issuances, net of forfeitures (in shares)									64,915
Compensatory stock issuances, net of forfeitures
Contributions by preferred unit holders														50,000,000
Deferred stock-based compensation costs										368,000						368,000
Redemption and retirement of shares (in shares)									(74,724)
Redemption and retirement of shares										(559,000)						(559,000)
Comprehensive income												5,425,000	(63,000)			5,362,000
Balance (in shares) at Mar. 31, 2020									15,877,505
Balance at Mar. 31, 2020										209,748,000		(206,361,000)	(634,000)	99,125,000	40,000,000	2,753,000
Balance (in shares) at Dec. 31, 2019									15,885,314
Balance at Dec. 31, 2019										212,692,000		(211,786,000)	(571,000)	49,050,000	40,000,000	$ 335,000
Stock option exercises and proceeds related thereto (in shares)																39,667
Redemption and retirement of shares (in shares)																(85,723)
Redemption and retirement of shares																$ (671,000)
Comprehensive income																28,479,000
Balance (in shares) at Jun. 30, 2020									15,904,173
Balance at Jun. 30, 2020										205,295,000		(183,196,000)	(682,000)	99,200,000	40,000,000	21,417,000
Balance (in shares) at Mar. 31, 2020									15,877,505
Balance at Mar. 31, 2020										209,748,000		(206,361,000)	(634,000)	99,125,000	40,000,000	2,753,000
Accretion of discount associated with issuance of subsidiary equity										(75,000)				75,000		(75,000)
Preferred dividends										(4,661,000)						(4,661,000)
Stock option exercises and proceeds related thereto (in shares)									37,667
Stock option exercises and proceeds related thereto										114,000						114,000
Deferred stock-based compensation costs										281,000						$ 281,000
Redemption and retirement of shares (in shares)									(10,999)							(10,999)
Redemption and retirement of shares										(112,000)						$ (112,000)
Comprehensive income												23,165,000	(48,000)			23,117,000
Balance (in shares) at Jun. 30, 2020									15,904,173
Balance at Jun. 30, 2020										$ 205,295,000		$ (183,196,000)	$ (682,000)	$ 99,200,000	$ 40,000,000	$ 21,417,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Operating activities
Net income	$ 28,479	$ 10,837
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	3,955	3,775
Losses upon impairment of loans, interest and fees receivable recorded at fair value	640	525
Provision for losses on loans, interest and fees receivable	99,866	83,012
Interest expense from accretion of discount on notes	288	470
Income from accretion of merchant fees and discount associated with receivables purchases	(66,526)	(48,316)
Unrealized losses (gains) on loans, interest and fees receivable and underlying notes payable held at fair value	40,218	(1,697)
Amortization of deferred loan costs	2,583	1,417
Income from equity-method investments	(13)	(452)
Deferred stock-based compensation costs	649	440
Lease liability payments	(5,101)	(4,999)
Changes in assets and liabilities:
(Increase) decrease in uncollected fees on earning assets	(19,847)	1,171
Increase in income tax liability	5,984	2,252
Decrease in deposits	2	20
Decrease in accounts payable and accrued expenses	(10,605)	(6,462)
Other	3,387	(2,264)
Net cash provided by operating activities	83,959	39,729
Investing activities
Proceeds from equity-method investee	546	875
Investments in earning assets	(570,651)	(433,277)
Proceeds from earning assets	503,365	290,936
Purchases and development of property, net of disposals	(714)	(94)
Net cash used in investing activities	(67,454)	(141,560)
Financing activities
Proceeds from issuance of preferred units	50,000
Preferred dividends	(4,187)
Proceeds from exercise of stock options	121	1,083
Purchase and retirement of outstanding stock	(671)	(259)
Proceeds from borrowings	104,209	349,701
Repayment of borrowings	(164,284)	(245,043)
Net cash (used in) provided by financing activities	(14,812)	105,482
Effect of exchange rate changes on cash	(44)	(311)
Net increase in cash and cash equivalents	1,649	3,340
Cash and cash equivalents and restricted cash at beginning of period	176,394	141,754
Cash and cash equivalents and restricted cash at end of period	178,043	145,094
Supplemental cash flow information
Cash paid for interest	23,802	20,890
Net cash income tax payments	$ 276	$ 236

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	1. Description of Our Business Our accompanying consolidated financial statements include the accounts of Atlanticus Holdings Corporation (the “Company”) and those entities we control. We are primarily focused on facilitating consumer credit through the use of our financial technology and related services. Through our subsidiaries, we provide technology and other support services to lenders who offer an array of financial products and services to consumers who may In most cases, we invest in the receivables originated by lenders who utilize our technology platform and other related services. From time to time, we also purchase receivables portfolios from third third two 3, Within our Credit and Other Investments segment, we facilitate consumer finance programs offered by our bank partner to originate consumer loans through multiple channels, including retail point-of-sale, direct mail solicitation, digital marketing and through partner relationships. In the retail credit (the “point-of-sale” operations) channel, we partner with retailers and service providers in various industries across the United States (“U.S.”) to enable them to provide credit to their customers for the purchase of goods and services. These services of our bank partner are often extended to consumers who may third third Additionally, we report within our Credit and Other Investments segment: 1 2 3 None no Within our Auto Finance segment, our CAR subsidiary operations principally purchase and/or service loans secured by automobiles from or for, and also provide floor plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, used car business. We purchase auto loans at a discount and with dealer retentions or holdbacks that provide risk protection. Also within our Auto Finance segment, we are providing certain installment lending products in addition to our traditional loans secured by automobiles. On March 13, 2020, 19” 19 19 On March 27, 2020, 19. one The duration and severity of the effects of COVID- 19 not 19 third

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Significant Accounting Policies [Text Block]	2. Significant Accounting Policies and Consolidated Financial Statement Components The following is a summary of significant accounting policies we follow in preparing our consolidated financial statements, as well as a description of significant components of our consolidated financial statements. Basis of Presentation and Use of Estimates We prepare our consolidated financial statements in accordance with generally accepted accounting principles in the U.S. (“GAAP”). The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans, interest and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans, interest and fees receivable within our consolidated statements of operations. We have eliminated all significant intercompany balances and transactions for financial reporting purposes. Loans, Interest and Fees Receivable We maintain two 90 180 30 not Loans, Interest and Fees Receivable, at Fair Value. January 1, 2020 ( Under the fair value option for both our Securitized Receivables and our Fair Value Receivables, direct loan origination fees (such as annual and merchant fees) are taken into income when billed to the consumer or upon loan acquisition and direct loan origination costs are expensed in the period incurred. The Company estimates the fair value of the loans using a discounted cash flow model, which considers various unobservable inputs such as remaining cumulative charge-offs, remaining cumulative prepayments, average life and discount rate. The Company re-evaluates the fair value of loans receivable at the close of each measurement period. Changes in fair value are recorded in "Changes in fair value of loans, interest and fees receivable recorded at fair value" in the consolidated statements of operations in the period of the fair value changes. Changes in the fair value of loans, interest and fees receivable recorded at fair value exclude the impact of current period charge offs associated with these receivables which are separately stated in Net losses upon impairment of loans, interest and fees receivable recorded at fair value on our consolidated statements of operations. Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable Gross. not $45.2 $92.6 $43.8 $93.2 three six June 30, 2020 2019 We show both an allowance for uncollectible loans, interest and fees receivable and unearned fees (or “deferred revenue”) for our loans, interest and fees receivable that are not two may may not These reserves are considered in conjunction with (and potentially reduced by) any unearned fees and discounts that may may may Certain of our loans, interest and fees receivable also contain components of deferred revenue including merchant fees on the purchases of receivables for our point-of-sale receivables and annual fee billings for our direct-to-consumer credit card receivables. Our point-of-sale and auto finance loans, interest and fees receivable include principal balances and associated fees and interest due from customers which are earned each period a loan is outstanding, net of the unearned portion of merchant fees and loan discounts. Additionally, many of our direct-to-consumer credit card receivables have an annual membership fee that is billed to the consumer on card activation and on each anniversary of that date thereafter. As of June 30, 2020 December 31, 2019 $50.6 $90.3 13 11 $35.2 $48.1 June 30, 2020 December 31, 2019 As a result of the recent COVID- 19 March 13, 2020 March 22, 2020, 19 may 19. 19 not June 30, 2020, 1.4% $16.9 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Three Months Ended June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (128.4 ) $ (1.8 ) $ (56.7 ) $ (186.9 ) Provision for loan losses (30.2 ) (0.6 ) (1.8 ) (32.6 ) Charge offs 48.8 0.8 23.0 72.6 Recoveries (2.7 ) (0.2 ) (8.3 ) (11.2 ) Balance at end of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) For the Six Months Ended June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (81.2 ) (1.4 ) (17.3 ) (99.9 ) Charge offs 95.0 1.7 47.3 144.0 Recoveries (5.0 ) (0.5 ) (10.4 ) (15.9 ) Balance at end of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) As of June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (112.5 ) $ (1.4 ) $ (43.7 ) $ (157.6 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 404.4 $ 89.6 $ 275.2 $ 769.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.9 $ 0.1 $ 1.0 Loans, interest and fees receivable collectively evaluated for impairment $ 404.4 $ 88.7 $ 275.1 $ 768.2 For the Three Months Ended June 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (43.1 ) $ (1.6 ) $ (40.6 ) $ (85.3 ) Provision for loan losses (28.9 ) (1.1 ) (18.4 ) (48.4 ) Charge offs 17.1 1.5 17.1 35.7 Recoveries (0.4 ) (0.4 ) (1.4 ) (2.2 ) Balance at end of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) For the Six Months Ended June 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (48.6 ) (2.0 ) (32.4 ) (83.0 ) Charge offs 29.4 2.4 34.2 66.0 Recoveries (0.7 ) (0.7 ) (2.6 ) (4.0 ) Balance at end of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of June 30, 2020 December 31, 2019 As of June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.9 $ 5.9 $ 4.9 $ 18.7 60-89 days past due 10.9 1.9 4.7 17.5 90 or more days past due 41.6 2.0 17.2 60.8 Delinquent loans, interest and fees receivable, gross 60.4 9.8 26.8 97.0 Current loans, interest and fees receivable, gross 344.0 79.8 248.4 672.2 Total loans, interest and fees receivable, gross $ 404.4 $ 89.6 $ 275.2 $ 769.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 21.7 $ 8.1 $ 14.0 $ 43.8 60-89 days past due 18.5 3.0 11.5 33.0 90 or more days past due 46.6 2.6 27.2 76.4 Delinquent loans, interest and fees receivable, gross 86.8 13.7 52.7 153.2 Current loans, interest and fees receivable, gross 422.4 76.1 346.5 845.0 Total loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.9 $ — $ 1.9 Troubled Debt Restructurings. 90 may not one 19 six 19 30 not not The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of June 30, 2020 December 31, 2019 As of June 30, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 14,247 36,984 10,682 14,553 Number of TDRs that have been re-aged 3,143 5,760 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 17,755 $ 29,034 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,576 $ 5,531 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 12,999 $ 18,898 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 10,973 $ 17,195 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,026 $ 1,703 $ 2,110 $ 1,206 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. We do not The Company modified 62,040 22,408 $74.4 $33.5 twelve June 30, 2020 June 30, 2019 twelve Twelve Months Ended June 30, 2020 June 30, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 4,065 6,744 2,539 2,347 Loan balance at time of charge off (in thousands) $ 5,764 $ 6,208 $ 3,964 $ 2,561 Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Commencing in July 2019, third 10 37 Income Taxes We experienced effective tax rates of 17.7% 18.0%, three six June 30, 2020, 30.3% 18.7%, three six June 30, 2019. three six June 30, 2020 1 2 three six June 30, 2020. Our effective tax rate for the three June 30, 2019 1 2 six June 30, 2019, We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax line item on our consolidated statements of operations. We likewise report the reversal of income tax-related interest and penalties within such line item to the extent we resolve our liabilities for uncertain tax positions or unpaid tax liabilities in a manner favorable to our accruals therefor. During the three six June 30, 2020, In December 2014, 2007 2008 2003. 2015, $7.4 December 2014 June 2018 $7.4 $3.7 $3.7 2006 July 2018, $5.4 $3.7 three September 30, 2018, $0.5 $5.4 2019, $0.7 2006 $0.9 Revenue Recognition and Revenue from Contracts with Customers Consumer Loans, Including Past Due Fees Consumer loans, including past due fees reflect interest income, including finance charges, and late fees on loans in accordance with the terms of the related customer agreements. Premiums, discounts and merchant fees paid or received associated with installment or auto loans that are not Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 We assess fees on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and, except for annual membership fees, we recognize these fees as income when they are charged to the customers' accounts. We accrete annual membership fees associated with our credit card receivables into income on a straight-line basis over the cardholder privilege period which is generally 12 not January 1, 2020 first 2020. The components (in thousands) of our fees and related income on earning assets are as follows: For the Three Months Ended June 30, For the Six Months Ended June 30, 2020 2019 2020 2019 Fees on credit products $ 32,399 $ 14,308 $ 67,044 $ 24,604 Changes in fair value of notes payable associated with structured financings recorded at fair value (82 ) 452 480 1,327 Other 245 6 301 100 Total fees and related income on earning assets $ 32,562 $ 14,766 $ 67,825 $ 26,031 Other income Other income includes revenues associated with ancillary product offerings and interchange revenues. We recognize these fees as income in the period earned. Included in Other income for the three six June 30, 2019 $26.0 $41.4 one may may Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, not Credit and For the Three Months Ended June 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,842 $ — $ 1,842 Servicing income 240 248 488 Service charges and other customer related fees 564 16 580 Total revenue from contracts with customers $ 2,646 $ 264 $ 2,910 ( 1 Credit and For the Six Months Ended June 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 3,822 $ — $ 3,822 Servicing income 624 468 1,092 Service charges and other customer related fees 689 33 722 Total revenue from contracts with customers $ 5,135 $ 501 $ 5,636 ( 1 Credit and For the Three Months Ended June 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,912 $ — $ 1,912 Servicing income 135 240 375 Service charges and other customer related fees 679 16 695 Total revenue from contracts with customers $ 2,726 $ 256 $ 2,982 ( 1 Credit and For the Six Months Ended June 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,840 $ — $ 2,840 Servicing income 554 507 1,061 Service charges and other customer related fees 1,108 33 1,141 Total revenue from contracts with customers $ 4,502 $ 540 $ 5,042 ( 1 Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019 2019 05 326 20, first 2016 13 2019 05 December 15, 2019, December 15, 2022 In August 2018, No. 2018 13, 820, December 15, 2019. 3 not Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not June 30, 2020 , not

Note 3 - Segment Reporting

Note 3 - Segment Reporting	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two two As of both June 30, 2020 December 31, 2019 not six June 30, 2020 2019 We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not Summary operating segment information (in thousands) is as follows: Three Months Ended June 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 92,140 $ 7,906 $ 100,046 Other 67 — 67 Total interest income 92,207 7,906 100,113 Interest expense (11,977 ) (275 ) (12,252 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 80,230 $ 7,631 $ 87,861 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (25,211 ) $ — $ (25,211 ) Fees and related income on earning assets $ 32,539 $ 23 $ 32,562 Servicing income $ 240 $ 248 $ 488 Equity in income of equity-method investee $ 79 $ — $ 79 Income before income taxes $ 25,924 $ 2,168 $ 28,092 Income tax expense $ (4,403 ) $ (572 ) $ (4,975 ) Six Months Ended June 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 187,302 $ 15,800 $ 203,102 Other 158 — 158 Total interest income 187,460 15,800 203,260 Interest expense (25,152 ) (684 ) (25,836 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 162,308 $ 15,116 $ 177,424 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (40,698 ) $ — $ (40,698 ) Fees and related income on earning assets $ 67,781 $ 44 $ 67,825 Servicing income $ 624 $ 468 $ 1,092 Equity in income of equity-method investee $ 13 $ — $ 13 Income before income taxes $ 30,991 $ 3,748 $ 34,739 Income tax expense $ (5,279 ) $ (981 ) $ (6,260 ) Total assets $ 864,557 $ 79,692 $ 944,249 Three Months Ended June 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 47,168 $ 7,923 $ 55,091 Other 109 — 109 Total interest income 47,277 7,923 55,200 Interest expense (11,583 ) (431 ) (12,014 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 35,694 $ 7,492 $ 43,186 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 371 $ — $ 371 Fees and related income on earning assets $ 14,682 $ 84 $ 14,766 Servicing income $ 135 $ 240 $ 375 Equity in income of equity-method investee $ 225 $ — $ 225 Income before income taxes $ 5,958 $ 1,474 $ 7,432 Income tax expense $ (1,914 ) $ (336 ) $ (2,250 ) Six Months Ended June 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 89,840 $ 15,641 $ 105,481 Other 178 — 178 Total interest income 90,018 15,641 105,659 Interest expense (22,352 ) (808 ) (23,160 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 67,666 $ 14,833 $ 82,499 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 370 $ — $ 370 Fees and related income on earning assets $ 25,919 $ 112 $ 26,031 Servicing income $ 554 $ 507 $ 1,061 Equity in income of equity-method investee $ 452 $ — $ 452 Income before income taxes $ 10,165 $ 3,160 $ 13,325 Income tax expense $ (1,675 ) $ (813 ) $ (2,488 ) Total assets $ 630,985 $ 79,373 $ 710,358

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	4. Shareholders' Equity and Preferred Stock On November 26, 2014, $40.0 December 27, 2019, 400,000 10,000,000 400,000 $40.0 $40.0 6% no may, January 1, 2025 $100 $100 January 1, 2024. $100 $10 12, Dove is a limited liability company owned by three one two two During the three six June 30, 2020 10,999 85,723 $112,000 $671,000, three six 30, 2019, 64,845 70,789 $238,000 $259,000, We had 1,459,233 June 30, 2020 December 31, 2019 November 2005 On November 14, 2019, 50.5 $1.00 third 16% 6 not March 30, 2020, 50.0 12,

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Equity Method Investments and Joint Ventures Disclosure [Text Block]	5. Investment in Equity-Method Investee Our equity-method investment outstanding at June 30, 2020 66.7% In the following tables, we summarize (in thousands) balance sheet and results of operations data for our equity-method investee: As of June 30, 2020 December 31, 2019 Loans, interest and fees receivables, at fair value $ 1,983 $ 2,757 Total assets $ 2,120 $ 2,922 Total liabilities $ 11 $ 13 Members' capital $ 2,109 $ 2,909 Three Months Ended June 30, Six Months Ended June 30, 2020 2019 2020 2019 Net interest income, fees and related income on earning assets $ 153 $ 338 $ 92 $ 680 Net income $ 118 $ 290 $ 19 $ 579 Net income attributable to our equity investment investee $ 79 $ 225 $ 13 $ 452

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities As previously discussed, as of January 1, 2020, January 1, 2020. may 19 We previously elected the fair value option with respect to our investments in equity securities, included in other assets, as well as our credit card loans, interest and fees receivable portfolios, the retained interests in which we historically recorded at fair value under securitization structures that were off balance sheet prior to accounting rules changes requiring their consolidation into our financial statements. Fair value differs from amortized cost accounting in various ways. Under the fair value option credit losses are recognized through income as they are incurred rather than through the establishment of an allowance and provision for losses. We update our fair value analysis each quarter, with changes since the prior reporting period reflected as a component of Fees and related income on earning assets in the consolidated statements of operations. Changes in interest rates, credit spreads, realized and projected credit losses and cash flow timing will lead to changes in the fair value of our Loans, interest and fees receivable, at fair value and therefore impact earnings. The primary differences between fair value and amortized cost accounting are: • Receivables and notes are recorded at their fair value, not • The fair value of the loans takes into consideration net charge-offs for the remaining life of the loans with no • Certain fee billings (such as annual or merchant fees) and expenses of loans and notes are no • Changes in the fair value of loans and notes impact recorded revenues; and • Net charge-offs are recognized as they occur. For all of our other debt (other than the notes payable underlying our formerly off-balance sheet credit card securitization structures), we have not Where applicable as noted above, we account for our financial assets and liabilities at fair value based upon a three 1 2 1 2 3 may Valuations and Techniques for Assets Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. The table below summarizes (in thousands) by fair value hierarchy the June 30, 2020 December 31, 2019 1 2 not Assets – As of June 30, 2020 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 666,536 $ 560,529 Loans, interest and fees receivable, at fair value $ — $ — $ 177,886 $ 177,886 Assets – As of December 31, 2019 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 781,208 $ 721,573 Loans, interest and fees receivable, at fair value $ — $ — $ 4,386 $ 4,386 ( 1 For cash, deposits and investments in equity securities, the carrying amount is a reasonable estimate of fair value. For those asset classes above that are required to be carried at fair value in our consolidated financial statements, gains and losses associated with fair value changes are detailed on our fees and related income on earning assets table within Note 2, For Level 3 three 31, 2020 2019 Loans, Interest and Fees Receivables, at Fair Value 2020 2019 Balance at January 1, $ 4,386 $ 6,306 Total gains—realized/unrealized: Net revaluations of loans, interest and fees receivable, at fair value (40,698 ) 370 Purchases 252,563 — Settlements (68,568 ) (1,772 ) Finance and fees 30,203 — Balance at June 30, $ 177,886 $ 4,904 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 June 30, 2020 December 31, 2019 Quantitative Information about Level 3 Fair Value Measurement Fair Value at June 30, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 177,886 Discounted cash flows Gross yield, net of finance charge charge-offs 26.5% to 55.3% (40.2%) Payment rate 4.7% to 11.3% (8.6%) Expected principal credit loss rate 11.2% to 30.0% (23.2%) Servicing rate 3.2% to 24.6% (4.5%) Discount rate 12.7% to 13.5% (13.3%) Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 4,386 Discounted cash flows Gross yield, net of finance charge charge-offs 25.5% to 53.7% (28.6%) Payment rate 4.0% to 9.5% (4.6%) Expected principal credit loss rate 10.5% to 41.7% (14.0%) Servicing rate 11.3% to 16.9% (11.9%) Discount rate 14.3% to 14.3% (14.3%) Valuations and Techniques for Liabilities Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the liability. The table below summarizes (in thousands) by fair value hierarchy the June 30, 2020 December 31, 2019 1 2 not Liabilities – As of June 30, 2020 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 656,025 $ 656,025 Amortizing debt facilities $ — $ — $ 35,835 $ 35,835 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 19,965 $ — $ 24,235 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,440 $ 3,440 Liabilities – As of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 720,687 $ 720,687 Amortizing debt facilities $ — $ — $ 28,522 $ 28,522 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 16,920 $ — $ 24,091 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,920 $ 3,920 For our notes payable, we assess the fair value of these liabilities based on our estimate of future cash flows generated from their underlying credit card receivables collateral, net of servicing compensation required under the note facilities, and to the extent that such cash flow estimates change from period to period, any such changes are considered to be attributable to changes in instrument-specific credit risk. Gains and losses associated with fair value changes for our notes payable associated with structured financing liabilities that are carried at fair value are detailed on our fees and related income on earning assets table within Note 2, 5.875% 2035 third third not 9, For our material Level 3 six June 30, 2020 2019 Notes Payable Associated with Structured Financings, at Fair Value 2020 2019 Balance at January 1, $ 3,920 $ 5,651 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (480 ) (1,327 ) Repayments on outstanding notes payable, net — — Balance at June 30, $ 3,440 $ 4,324 The unrealized gains and losses for liabilities within the Level 3 3 Net Revaluation of Notes Payable Associated with Structured Financings, at Fair Value. not third For material Level 3 June 30, 2020 December 31, 2019 Quantitative Information about Level 3 Fair Value Measurement Fair Value at June 30, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,440 Discounted cash flows Gross yield, net of finance charge charge-offs 26.5 % Payment rate 4.7 % Expected principal credit loss rate 12.4 % Discount rate 13.2 % Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,920 Discounted cash flows Gross yield, net of finance charge charge-offs 25.5 % Payment rate 4.0 % Expected principal credit loss rate 10.5 % Discount rate 14.3 % Other Relevant Data Other relevant data (in thousands) as of June 30, 2020 December 31, 2019 As of June 30, 2020 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 448 $ 207,591 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 392 $ 177,494 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 1 $ 343 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 14 $ 2,005 As of December 31, 2019 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 644 $ 5,280 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 466 $ 3,920 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 1 $ 8 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 28 $ 185 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of June 30, 2020 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2019 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 3,440 $ 3,920

Note 7 - Variable Interest Enti

Note 7 - Variable Interest Entities	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	7. Variable Interest Entities The Company contributes certain receivables to VIEs. These entities are sometimes established to facilitate third not The following table presents a summary of VIEs in which we had continuing involvement or held a variable interest (in millions): As of June 30, 2020 December 31, 2019 Unrestricted cash and cash equivalents $ 86.0 $ 78.7 Restricted cash and cash equivalents $ 28.8 $ 25.9 Loans, interest and fees receivable, at fair value $ 110.3 $ 3.9 Loans, interest and fees receivable, gross $ 648.0 $ 857.2 Allowances for uncollectible loans, interest and fees receivable $ (147.6 ) $ (168.8 ) Deferred revenue $ (14.5 ) $ (40.7 ) Total Assets held by VIEs $ 711.0 $ 756.2 Notes Payable, at face value held by VIEs $ 636.2 $ 701.1 Notes Payable, at fair value held by VIEs $ 3.4 $ 3.9 Maximum exposure to loss due to involvement with VIEs $ 603.1 $ 654.3

Note 8 - Leases

Note 8 - Leases	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Leases of Lessee Disclosure [Text Block]	8. Leases We have operating leases primarily associated with our corporate offices and regional service centers as well as for certain equipment. Our leases have remaining lease terms of 1 5 one For the Three Months Ended June 30, For the Six Months Ended June 30, 2020 2019 2020 2019 Operating lease cost, gross $ 1,725 $ 1,727 $ 3,445 $ 3,436 Sublease income (1,282 ) (1,282 ) (2,567 ) (2,565 ) Net Operating lease cost $ 443 $ 445 $ 878 $ 871 Cash paid under operating leases, gross $ 2,561 $ 2,507 $ 5,101 $ 4,999 Weighted average remaining lease term - months 24 Weighted average discount rate 6.9 % As of June 30, 2020 Gross Lease Payment Payments received from Sublease Net Lease Payment 2020 (excluding the six months ended June 30, 2020) $ 5,155 $ (3,581 ) $ 1,574 2021 10,265 (7,315 ) 2,950 2022 4,448 (3,112 ) 1,336 2023 172 — 172 2024 77 — 77 Thereafter 24 — 24 Total lease payments 20,141 (14,008 ) 6,133 Less imputed interest (1,982 ) Total $ 18,159 In addition, we occasionally lease certain equipment under cancelable and non-cancelable leases, which are accounted for as capital leases in our consolidated financial statements. As of June 30, 2020 no one

Note 9 - Notes Payable

Note 9 - Notes Payable	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Debt Disclosure [Text Block]	9. Notes Payable Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 June 30, 2020 December 31, 2019 2 June 30, 2020 December 31, 2019 3 June 30, 2020 December 31, 2019 Carrying Amounts at Fair Value as of June 30, 2020 December 31, 2019 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of June 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at June 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of June 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount $ 3.4 $ 3.9 Contractual payment allocations within this credit card receivables structured financing provide for a priority distribution of cash flows to us to service the credit card receivables, a distribution of cash flows to pay interest and principal due on the notes, and a distribution of all excess cash flows (if any) to us. The structured financing facility included in the above table is amortizing down along with collections of the underlying receivables and there are no $3.4 $3.4 no June 30, 2020 . As discussed elsewhere, the legal entity holding the securitization facility discussed in the table above, is a VIE. Beyond our role as servicer of the underlying assets within the credit cards receivables structured financing, we have provided no no Notes Payable, at Face Value and Notes Payable to Related Parties Other notes payable outstanding as of June 30, 2020 December 31, 2019 As of June 30, 2020 December 31, 2019 Revolving credit facilities at a weighted average interest rate equal to 5.3% at June 30, 2020 (6.0% at December 31, 2019) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $648.6 million as of June 30, 2020 ($740.4 million at December 31, 2019) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3) $ 35.5 $ 39.1 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) 31.1 40.5 Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6) 5.7 25.8 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6) — — Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (4) (5) 9.6 14.6 Revolving credit facility, not to exceed $100.0 million (expiring November 16, 2020) (3) (4) (5) (6) 3.8 — Revolving credit facility, not to exceed $167.3 million (expiring November 15, 2023) (3) (4) (5) (6) 167.3 167.3 Revolving credit facility, not to exceed $200.0 million (expiring December 15, 2022) (3) (4) (5) (6) 200.0 200.0 Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6) 200.0 200.0 Revolving credit facility, not to exceed $15.0 million (expiring December 21, 2020) (2) (3) (4) (5) 4.9 8.6 Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5) 5.5 15.0 Other facilities Other debt with a weighted annual rate equal to 2.7% 3.2 1.2 Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3) 17.4 17.4 Amortizing debt facility (expiring December 31, 2020) (2) (4) (5) 7.8 19.4 Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 4.7% (2) (3) (4) (5) 7.5 10.0 Total notes payable before unamortized debt issuance costs and discounts 699.3 758.9 Unamortized debt issuance costs and discounts (7.4 ) (9.7 ) Total notes payable outstanding $ 691.9 $ 749.2 ( 1 Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations. ( 2 These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications. ( 3 See below for additional information. ( 4 Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes. ( 5 Loans are associated with VIEs. ( 6 Creditors do not * As of June 30, 2020 0.16% 3.25%. In October 2015, $50.0 $31.1 June 30, 2020). 3.0%. October 30, 2022 In October 2016, $40.0 $35.5 June 30, 2020). 2.4% 3.0% October 2016, June 30, 2020 $55.0 November 1, 2021. no In December 2016, $20.0 $7.8 June 30, 2020). December 2016, June 30, 2020, December 31, 2020 $7.8 5.0%. In February 2017, $90.0 $70.0 $5.7 June 30, 2020) third 14.0%. February 8, 2022 may In December 2017, $15.0 $4.9 June 30, 2020). 3.5%. December 21, 2020 In 2018, two $200.0 $3.8 June 30, 2020) third 3.75% 4.875%, June 11, 2021 November 16, 2020, may In September 2018, $50.0 $5.5 June 30, 2020). 6.5%. In November 2018, $167.3 two 18 5.76%. In June 2019, $15.0 $9.6 June 30, 2020). In June 2019, $200.0 two 12 18 5.37%. In August 2019, $54.4 $16.3 $17.4 8.0% August 2024. 10 In September 2019, $30.0 $7.5 June 30, 2020) 4.5%. September 30, 2021 In November 2019, $200.0 three 12 18 4.91%. In July 2020, $100.0 three 18 5.47%. As of June 30, 2020

Note 10 - Convertible Senior No

Note 10 - Convertible Senior Notes	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Long-term Debt [Text Block]	10. Convertible Senior Notes In November 2005, $300.0 5.875% November 30, 2035 No On August 26, 2019, $54.4 $16.3 $17.4 8.0% August 2024. $5.1 9 The following summarizes (in thousands) components of our consolidated balance sheets associated with our convertible senior notes: As of June 30, 2020 December 31, 2019 Face amount of convertible senior notes $ 33,839 $ 33,839 Discount (9,604 ) (9,748 ) Net carrying value $ 24,235 $ 24,091 Carrying amount of equity component included in paid-in capital $ 108,714 $ 108,714 Excess of instruments' if-converted values over face principal amounts $ — $ —

Note 11 - Commitments and Conti

Note 11 - Commitments and Contingencies	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	11. Commitments and Contingencies General Under finance products available in the point-of-sale and direct-to-consumer channels, consumers have the ability to borrow up to the maximum credit limit assigned to each individual's account. Unfunded commitments under these products aggregated $1.4 June 30, 2020 . Additionally, our CAR operations provide floor-plan financing for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business. The floor plan financing allows dealers and finance companies to borrow up to the maximum pre-approved credit limit allowed in order to finance ongoing inventory needs. These loans are secured by the underlying auto inventory and, in certain cases where we have other lending products outstanding with the dealer, are secured by the collateral under those lending arrangements as well, including any outstanding dealer reserves. As of June 30, 2020 , $11.6 Under agreements with third $10.0 June 30, 2020 Under agreements with third June 30, 2020 , Under the account terms, consumers have the option of enrolling in a credit protection program with our lending partner which would make the minimum payments owed on their accounts for a period of up to six $19.0 June 30, 2020 ( $1.3 June 30, 2020 We also are subject to certain minimum payments under cancelable and non-cancelable lease arrangements. For further information regarding these commitments, see Note 8, . Litigation We are involved in various legal proceedings that are incidental to the conduct of our business. There are currently no

Note 12 - Net Income Attributab

Note 12 - Net Income Attributable to Controlling Interests Per Common Share	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	12. Net Income Attributable to Controlling Interests Per Common Share The following table sets forth the computations of net income attributable to controlling interests per share of common stock (in thousands, except per share data): For the Three Months Ended For the Six Months Ended June 30, June 30, 2020 2019 2020 2019 Numerator: Net income attributable to controlling interests $ 23,165 $ 5,244 $ 28,590 $ 10,957 Preferred stock and preferred unit dividends and accretion (4,736 ) — (7,495 ) — Net income attributable to common shareholders—basic 18,429 5,244 21,095 10,957 Effect of dilutive preferred stock dividends and accretion 596 — 1,193 — Net income attributable to common shareholders—diluted $ 19,025 $ 5,244 $ 22,288 $ 10,957 Denominator: Basic (including unvested share-based payment awards) (1) 14,427 14,627 14,432 14,491 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,921 281 5,460 321 Diluted (including unvested share-based payment awards) (1) 20,348 14,908 19,892 14,812 Net income attributable to common shareholders per share—basic $ 1.28 $ 0.36 $ 1.46 $ 0.76 Net income attributable to common shareholders per share—diluted $ 0.93 $ 0.35 $ 1.12 $ 0.74 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 418,081 445,984, three six June 30, 2020 , 505,416 451,879, three six June 30, 2019 . As their effects were anti-dilutive, we excluded stock options to purchase 1.0 1.0 three six June 30, 2019, No three six June 30, 2020. For the three six June 30, 2020 2019 no $24.61 1 .4 10

Note 13 - Stock-based Compensat

Note 13 - Stock-based Compensation	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	13. Stock-Based Compensation We currently have two 2014 2014 2014 2019. 2014 2,000,000 two June 30, 2020 60,085 1,735,430 2014 Exercises and vestings under our stock-based compensation plans resulted in no three six June 30, 2020 2019 Restricted Stock and Restricted Stock Units During the six June 30, 2020 2019 58,248 205,000 $0.6 $0.7 $0.4 $0.5 six June 30, 2020 2019 12 60 June 30, 2020 , $0.8 1.4 Stock Options Our Fourth Amended 2014 may may not 10 $0.1 $0.2 $0.2 $0.4 three six June 30, 2020 2019 Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2019 2,687,499 $ 3.66 Issued — $ — Exercised (39,667 ) $ 3.04 Cancelled/Forfeited — $ — Outstanding at June 30, 2020 2,647,832 $ 3.67 1.8 $ 17,671,760 Exercisable at June 30, 2020 2,043,835 $ 3.15 1.3 $ 14,685,601 We had $0.3 $0.5 June 30, 2020 December 31, 2019 ,

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2020
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation and Use of Estimates We prepare our consolidated financial statements in accordance with generally accepted accounting principles in the U.S. (“GAAP”). The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans, interest and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans, interest and fees receivable within our consolidated statements of operations. We have eliminated all significant intercompany balances and transactions for financial reporting purposes.
Receivable [Policy Text Block]	Loans, Interest and Fees Receivable We maintain two 90 180 30 not Loans, Interest and Fees Receivable, at Fair Value. January 1, 2020 ( Under the fair value option for both our Securitized Receivables and our Fair Value Receivables, direct loan origination fees (such as annual and merchant fees) are taken into income when billed to the consumer or upon loan acquisition and direct loan origination costs are expensed in the period incurred. The Company estimates the fair value of the loans using a discounted cash flow model, which considers various unobservable inputs such as remaining cumulative charge-offs, remaining cumulative prepayments, average life and discount rate. The Company re-evaluates the fair value of loans receivable at the close of each measurement period. Changes in fair value are recorded in "Changes in fair value of loans, interest and fees receivable recorded at fair value" in the consolidated statements of operations in the period of the fair value changes. Changes in the fair value of loans, interest and fees receivable recorded at fair value exclude the impact of current period charge offs associated with these receivables which are separately stated in Net losses upon impairment of loans, interest and fees receivable recorded at fair value on our consolidated statements of operations. Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable Gross. not $45.2 $92.6 $43.8 $93.2 three six June 30, 2020 2019 We show both an allowance for uncollectible loans, interest and fees receivable and unearned fees (or “deferred revenue”) for our loans, interest and fees receivable that are not two may may not These reserves are considered in conjunction with (and potentially reduced by) any unearned fees and discounts that may may may Certain of our loans, interest and fees receivable also contain components of deferred revenue including merchant fees on the purchases of receivables for our point-of-sale receivables and annual fee billings for our direct-to-consumer credit card receivables. Our point-of-sale and auto finance loans, interest and fees receivable include principal balances and associated fees and interest due from customers which are earned each period a loan is outstanding, net of the unearned portion of merchant fees and loan discounts. Additionally, many of our direct-to-consumer credit card receivables have an annual membership fee that is billed to the consumer on card activation and on each anniversary of that date thereafter. As of June 30, 2020 December 31, 2019 $50.6 $90.3 13 11 $35.2 $48.1 June 30, 2020 December 31, 2019 As a result of the recent COVID- 19 March 13, 2020 March 22, 2020, 19 may 19. 19 not June 30, 2020, 1.4% $16.9 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Three Months Ended June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (128.4 ) $ (1.8 ) $ (56.7 ) $ (186.9 ) Provision for loan losses (30.2 ) (0.6 ) (1.8 ) (32.6 ) Charge offs 48.8 0.8 23.0 72.6 Recoveries (2.7 ) (0.2 ) (8.3 ) (11.2 ) Balance at end of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) For the Six Months Ended June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (81.2 ) (1.4 ) (17.3 ) (99.9 ) Charge offs 95.0 1.7 47.3 144.0 Recoveries (5.0 ) (0.5 ) (10.4 ) (15.9 ) Balance at end of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) As of June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (112.5 ) $ (1.4 ) $ (43.7 ) $ (157.6 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 404.4 $ 89.6 $ 275.2 $ 769.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.9 $ 0.1 $ 1.0 Loans, interest and fees receivable collectively evaluated for impairment $ 404.4 $ 88.7 $ 275.1 $ 768.2 For the Three Months Ended June 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (43.1 ) $ (1.6 ) $ (40.6 ) $ (85.3 ) Provision for loan losses (28.9 ) (1.1 ) (18.4 ) (48.4 ) Charge offs 17.1 1.5 17.1 35.7 Recoveries (0.4 ) (0.4 ) (1.4 ) (2.2 ) Balance at end of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) For the Six Months Ended June 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (48.6 ) (2.0 ) (32.4 ) (83.0 ) Charge offs 29.4 2.4 34.2 66.0 Recoveries (0.7 ) (0.7 ) (2.6 ) (4.0 ) Balance at end of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of June 30, 2020 December 31, 2019 As of June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.9 $ 5.9 $ 4.9 $ 18.7 60-89 days past due 10.9 1.9 4.7 17.5 90 or more days past due 41.6 2.0 17.2 60.8 Delinquent loans, interest and fees receivable, gross 60.4 9.8 26.8 97.0 Current loans, interest and fees receivable, gross 344.0 79.8 248.4 672.2 Total loans, interest and fees receivable, gross $ 404.4 $ 89.6 $ 275.2 $ 769.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 21.7 $ 8.1 $ 14.0 $ 43.8 60-89 days past due 18.5 3.0 11.5 33.0 90 or more days past due 46.6 2.6 27.2 76.4 Delinquent loans, interest and fees receivable, gross 86.8 13.7 52.7 153.2 Current loans, interest and fees receivable, gross 422.4 76.1 346.5 845.0 Total loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.9 $ — $ 1.9
Troubled Debt Restructuring [Policy Text Block]	Troubled Debt Restructurings. 90 may not one 19 six 19 30 not not The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of June 30, 2020 December 31, 2019 As of June 30, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 14,247 36,984 10,682 14,553 Number of TDRs that have been re-aged 3,143 5,760 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 17,755 $ 29,034 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,576 $ 5,531 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 12,999 $ 18,898 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 10,973 $ 17,195 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,026 $ 1,703 $ 2,110 $ 1,206 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. We do not The Company modified 62,040 22,408 $74.4 $33.5 twelve June 30, 2020 June 30, 2019 twelve Twelve Months Ended June 30, 2020 June 30, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 4,065 6,744 2,539 2,347 Loan balance at time of charge off (in thousands) $ 5,764 $ 6,208 $ 3,964 $ 2,561
Accounts Payable and Accrued Expenses [Policy Text Block]	Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Commencing in July 2019, third 10 37
Income Tax, Policy [Policy Text Block]	Income Taxes We experienced effective tax rates of 17.7% 18.0%, three six June 30, 2020, 30.3% 18.7%, three six June 30, 2019. three six June 30, 2020 1 2 three six June 30, 2020. Our effective tax rate for the three June 30, 2019 1 2 six June 30, 2019, We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax line item on our consolidated statements of operations. We likewise report the reversal of income tax-related interest and penalties within such line item to the extent we resolve our liabilities for uncertain tax positions or unpaid tax liabilities in a manner favorable to our accruals therefor. During the three six June 30, 2020, In December 2014, 2007 2008 2003. 2015, $7.4 December 2014 June 2018 $7.4 $3.7 $3.7 2006 July 2018, $5.4 $3.7 three September 30, 2018, $0.5 $5.4 2019, $0.7 2006 $0.9
Revenue from Contract with Customer [Policy Text Block]	Revenue Recognition and Revenue from Contracts with Customers Consumer Loans, Including Past Due Fees Consumer loans, including past due fees reflect interest income, including finance charges, and late fees on loans in accordance with the terms of the related customer agreements. Premiums, discounts and merchant fees paid or received associated with installment or auto loans that are not Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 We assess fees on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and, except for annual membership fees, we recognize these fees as income when they are charged to the customers' accounts. We accrete annual membership fees associated with our credit card receivables into income on a straight-line basis over the cardholder privilege period which is generally 12 not January 1, 2020 first 2020. The components (in thousands) of our fees and related income on earning assets are as follows: For the Three Months Ended June 30, For the Six Months Ended June 30, 2020 2019 2020 2019 Fees on credit products $ 32,399 $ 14,308 $ 67,044 $ 24,604 Changes in fair value of notes payable associated with structured financings recorded at fair value (82 ) 452 480 1,327 Other 245 6 301 100 Total fees and related income on earning assets $ 32,562 $ 14,766 $ 67,825 $ 26,031 Other income Other income includes revenues associated with ancillary product offerings and interchange revenues. We recognize these fees as income in the period earned. Included in Other income for the three six June 30, 2019 $26.0 $41.4 one may may Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, not Credit and For the Three Months Ended June 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,842 $ — $ 1,842 Servicing income 240 248 488 Service charges and other customer related fees 564 16 580 Total revenue from contracts with customers $ 2,646 $ 264 $ 2,910 ( 1 Credit and For the Six Months Ended June 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 3,822 $ — $ 3,822 Servicing income 624 468 1,092 Service charges and other customer related fees 689 33 722 Total revenue from contracts with customers $ 5,135 $ 501 $ 5,636 ( 1 Credit and For the Three Months Ended June 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,912 $ — $ 1,912 Servicing income 135 240 375 Service charges and other customer related fees 679 16 695 Total revenue from contracts with customers $ 2,726 $ 256 $ 2,982 ( 1 Credit and For the Six Months Ended June 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,840 $ — $ 2,840 Servicing income 554 507 1,061 Service charges and other customer related fees 1,108 33 1,141 Total revenue from contracts with customers $ 4,502 $ 540 $ 5,042 ( 1
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019 2019 05 326 20, first 2016 13 2019 05 December 15, 2019, December 15, 2022 In August 2018, No. 2018 13, 820, December 15, 2019. 3 not
Subsequent Events, Policy [Policy Text Block]	Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not June 30, 2020 , not

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Three Months Ended June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (128.4 ) $ (1.8 ) $ (56.7 ) $ (186.9 ) Provision for loan losses (30.2 ) (0.6 ) (1.8 ) (32.6 ) Charge offs 48.8 0.8 23.0 72.6 Recoveries (2.7 ) (0.2 ) (8.3 ) (11.2 ) Balance at end of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) For the Six Months Ended June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (81.2 ) (1.4 ) (17.3 ) (99.9 ) Charge offs 95.0 1.7 47.3 144.0 Recoveries (5.0 ) (0.5 ) (10.4 ) (15.9 ) Balance at end of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) As of June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (112.5 ) $ (1.4 ) $ (43.7 ) $ (157.6 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 404.4 $ 89.6 $ 275.2 $ 769.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.9 $ 0.1 $ 1.0 Loans, interest and fees receivable collectively evaluated for impairment $ 404.4 $ 88.7 $ 275.1 $ 768.2 For the Three Months Ended June 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (43.1 ) $ (1.6 ) $ (40.6 ) $ (85.3 ) Provision for loan losses (28.9 ) (1.1 ) (18.4 ) (48.4 ) Charge offs 17.1 1.5 17.1 35.7 Recoveries (0.4 ) (0.4 ) (1.4 ) (2.2 ) Balance at end of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) For the Six Months Ended June 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (48.6 ) (2.0 ) (32.4 ) (83.0 ) Charge offs 29.4 2.4 34.2 66.0 Recoveries (0.7 ) (0.7 ) (2.6 ) (4.0 ) Balance at end of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0
Financing Receivable, Past Due [Table Text Block]	As of June 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.9 $ 5.9 $ 4.9 $ 18.7 60-89 days past due 10.9 1.9 4.7 17.5 90 or more days past due 41.6 2.0 17.2 60.8 Delinquent loans, interest and fees receivable, gross 60.4 9.8 26.8 97.0 Current loans, interest and fees receivable, gross 344.0 79.8 248.4 672.2 Total loans, interest and fees receivable, gross $ 404.4 $ 89.6 $ 275.2 $ 769.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 21.7 $ 8.1 $ 14.0 $ 43.8 60-89 days past due 18.5 3.0 11.5 33.0 90 or more days past due 46.6 2.6 27.2 76.4 Delinquent loans, interest and fees receivable, gross 86.8 13.7 52.7 153.2 Current loans, interest and fees receivable, gross 422.4 76.1 346.5 845.0 Total loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.9 $ — $ 1.9
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of June 30, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 14,247 36,984 10,682 14,553 Number of TDRs that have been re-aged 3,143 5,760 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 17,755 $ 29,034 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,576 $ 5,531 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 12,999 $ 18,898 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 10,973 $ 17,195 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,026 $ 1,703 $ 2,110 $ 1,206 Twelve Months Ended June 30, 2020 June 30, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 4,065 6,744 2,539 2,347 Loan balance at time of charge off (in thousands) $ 5,764 $ 6,208 $ 3,964 $ 2,561
Components of Fees and Related Income on Earning Assets [Table Text Block]	For the Three Months Ended June 30, For the Six Months Ended June 30, 2020 2019 2020 2019 Fees on credit products $ 32,399 $ 14,308 $ 67,044 $ 24,604 Changes in fair value of notes payable associated with structured financings recorded at fair value (82 ) 452 480 1,327 Other 245 6 301 100 Total fees and related income on earning assets $ 32,562 $ 14,766 $ 67,825 $ 26,031
Disaggregation of Revenue [Table Text Block]	Credit and For the Three Months Ended June 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,842 $ — $ 1,842 Servicing income 240 248 488 Service charges and other customer related fees 564 16 580 Total revenue from contracts with customers $ 2,646 $ 264 $ 2,910 Credit and For the Six Months Ended June 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 3,822 $ — $ 3,822 Servicing income 624 468 1,092 Service charges and other customer related fees 689 33 722 Total revenue from contracts with customers $ 5,135 $ 501 $ 5,636 Credit and For the Three Months Ended June 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,912 $ — $ 1,912 Servicing income 135 240 375 Service charges and other customer related fees 679 16 695 Total revenue from contracts with customers $ 2,726 $ 256 $ 2,982 Credit and For the Six Months Ended June 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,840 $ — $ 2,840 Servicing income 554 507 1,061 Service charges and other customer related fees 1,108 33 1,141 Total revenue from contracts with customers $ 4,502 $ 540 $ 5,042

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended June 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 92,140 $ 7,906 $ 100,046 Other 67 — 67 Total interest income 92,207 7,906 100,113 Interest expense (11,977 ) (275 ) (12,252 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 80,230 $ 7,631 $ 87,861 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (25,211 ) $ — $ (25,211 ) Fees and related income on earning assets $ 32,539 $ 23 $ 32,562 Servicing income $ 240 $ 248 $ 488 Equity in income of equity-method investee $ 79 $ — $ 79 Income before income taxes $ 25,924 $ 2,168 $ 28,092 Income tax expense $ (4,403 ) $ (572 ) $ (4,975 ) Six Months Ended June 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 187,302 $ 15,800 $ 203,102 Other 158 — 158 Total interest income 187,460 15,800 203,260 Interest expense (25,152 ) (684 ) (25,836 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 162,308 $ 15,116 $ 177,424 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (40,698 ) $ — $ (40,698 ) Fees and related income on earning assets $ 67,781 $ 44 $ 67,825 Servicing income $ 624 $ 468 $ 1,092 Equity in income of equity-method investee $ 13 $ — $ 13 Income before income taxes $ 30,991 $ 3,748 $ 34,739 Income tax expense $ (5,279 ) $ (981 ) $ (6,260 ) Total assets $ 864,557 $ 79,692 $ 944,249 Three Months Ended June 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 47,168 $ 7,923 $ 55,091 Other 109 — 109 Total interest income 47,277 7,923 55,200 Interest expense (11,583 ) (431 ) (12,014 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 35,694 $ 7,492 $ 43,186 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 371 $ — $ 371 Fees and related income on earning assets $ 14,682 $ 84 $ 14,766 Servicing income $ 135 $ 240 $ 375 Equity in income of equity-method investee $ 225 $ — $ 225 Income before income taxes $ 5,958 $ 1,474 $ 7,432 Income tax expense $ (1,914 ) $ (336 ) $ (2,250 ) Six Months Ended June 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 89,840 $ 15,641 $ 105,481 Other 178 — 178 Total interest income 90,018 15,641 105,659 Interest expense (22,352 ) (808 ) (23,160 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 67,666 $ 14,833 $ 82,499 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 370 $ — $ 370 Fees and related income on earning assets $ 25,919 $ 112 $ 26,031 Servicing income $ 554 $ 507 $ 1,061 Equity in income of equity-method investee $ 452 $ — $ 452 Income before income taxes $ 10,165 $ 3,160 $ 13,325 Income tax expense $ (1,675 ) $ (813 ) $ (2,488 ) Total assets $ 630,985 $ 79,373 $ 710,358

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Equity Method Investments [Table Text Block]	As of June 30, 2020 December 31, 2019 Loans, interest and fees receivables, at fair value $ 1,983 $ 2,757 Total assets $ 2,120 $ 2,922 Total liabilities $ 11 $ 13 Members' capital $ 2,109 $ 2,909 Three Months Ended June 30, Six Months Ended June 30, 2020 2019 2020 2019 Net interest income, fees and related income on earning assets $ 153 $ 338 $ 92 $ 680 Net income $ 118 $ 290 $ 19 $ 579 Net income attributable to our equity investment investee $ 79 $ 225 $ 13 $ 452

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of June 30, 2020 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 666,536 $ 560,529 Loans, interest and fees receivable, at fair value $ — $ — $ 177,886 $ 177,886 Assets – As of December 31, 2019 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 781,208 $ 721,573 Loans, interest and fees receivable, at fair value $ — $ — $ 4,386 $ 4,386
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans, Interest and Fees Receivables, at Fair Value 2020 2019 Balance at January 1, $ 4,386 $ 6,306 Total gains—realized/unrealized: Net revaluations of loans, interest and fees receivable, at fair value (40,698 ) 370 Purchases 252,563 — Settlements (68,568 ) (1,772 ) Finance and fees 30,203 — Balance at June 30, $ 177,886 $ 4,904
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at June 30, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 177,886 Discounted cash flows Gross yield, net of finance charge charge-offs 26.5% to 55.3% (40.2%) Payment rate 4.7% to 11.3% (8.6%) Expected principal credit loss rate 11.2% to 30.0% (23.2%) Servicing rate 3.2% to 24.6% (4.5%) Discount rate 12.7% to 13.5% (13.3%) Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 4,386 Discounted cash flows Gross yield, net of finance charge charge-offs 25.5% to 53.7% (28.6%) Payment rate 4.0% to 9.5% (4.6%) Expected principal credit loss rate 10.5% to 41.7% (14.0%) Servicing rate 11.3% to 16.9% (11.9%) Discount rate 14.3% to 14.3% (14.3%) Fair Value Measurement Fair Value at June 30, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,440 Discounted cash flows Gross yield, net of finance charge charge-offs 26.5 % Payment rate 4.7 % Expected principal credit loss rate 12.4 % Discount rate 13.2 % Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,920 Discounted cash flows Gross yield, net of finance charge charge-offs 25.5 % Payment rate 4.0 % Expected principal credit loss rate 10.5 % Discount rate 14.3 %
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of June 30, 2020 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 656,025 $ 656,025 Amortizing debt facilities $ — $ — $ 35,835 $ 35,835 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 19,965 $ — $ 24,235 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,440 $ 3,440 Liabilities – As of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 720,687 $ 720,687 Amortizing debt facilities $ — $ — $ 28,522 $ 28,522 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 16,920 $ — $ 24,091 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,920 $ 3,920
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2020 2019 Balance at January 1, $ 3,920 $ 5,651 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (480 ) (1,327 ) Repayments on outstanding notes payable, net — — Balance at June 30, $ 3,440 $ 4,324
Fair Value Option, Disclosures [Table Text Block]	As of June 30, 2020 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 448 $ 207,591 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 392 $ 177,494 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 1 $ 343 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 14 $ 2,005 As of December 31, 2019 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 644 $ 5,280 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 466 $ 3,920 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 1 $ 8 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 28 $ 185 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of June 30, 2020 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2019 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 3,440 $ 3,920

Note 7 - Variable Interest En_2

Note 7 - Variable Interest Entities (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of June 30, 2020 December 31, 2019 Unrestricted cash and cash equivalents $ 86.0 $ 78.7 Restricted cash and cash equivalents $ 28.8 $ 25.9 Loans, interest and fees receivable, at fair value $ 110.3 $ 3.9 Loans, interest and fees receivable, gross $ 648.0 $ 857.2 Allowances for uncollectible loans, interest and fees receivable $ (147.6 ) $ (168.8 ) Deferred revenue $ (14.5 ) $ (40.7 ) Total Assets held by VIEs $ 711.0 $ 756.2 Notes Payable, at face value held by VIEs $ 636.2 $ 701.1 Notes Payable, at fair value held by VIEs $ 3.4 $ 3.9 Maximum exposure to loss due to involvement with VIEs $ 603.1 $ 654.3

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Lease, Cost [Table Text Block]	For the Three Months Ended June 30, For the Six Months Ended June 30, 2020 2019 2020 2019 Operating lease cost, gross $ 1,725 $ 1,727 $ 3,445 $ 3,436 Sublease income (1,282 ) (1,282 ) (2,567 ) (2,565 ) Net Operating lease cost $ 443 $ 445 $ 878 $ 871 Cash paid under operating leases, gross $ 2,561 $ 2,507 $ 5,101 $ 4,999 Weighted average remaining lease term - months 24 Weighted average discount rate 6.9 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2020 (excluding the six months ended June 30, 2020) $ 5,155 $ (3,581 ) $ 1,574 2021 10,265 (7,315 ) 2,950 2022 4,448 (3,112 ) 1,336 2023 172 — 172 2024 77 — 77 Thereafter 24 — 24 Total lease payments 20,141 (14,008 ) 6,133 Less imputed interest (1,982 ) Total $ 18,159

Note 9 - Notes Payable (Tables)

Note 9 - Notes Payable (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Debt [Table Text Block]	As of June 30, 2020 December 31, 2019 Revolving credit facilities at a weighted average interest rate equal to 5.3% at June 30, 2020 (6.0% at December 31, 2019) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $648.6 million as of June 30, 2020 ($740.4 million at December 31, 2019) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3) $ 35.5 $ 39.1 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) 31.1 40.5 Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6) 5.7 25.8 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6) — — Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (4) (5) 9.6 14.6 Revolving credit facility, not to exceed $100.0 million (expiring November 16, 2020) (3) (4) (5) (6) 3.8 — Revolving credit facility, not to exceed $167.3 million (expiring November 15, 2023) (3) (4) (5) (6) 167.3 167.3 Revolving credit facility, not to exceed $200.0 million (expiring December 15, 2022) (3) (4) (5) (6) 200.0 200.0 Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6) 200.0 200.0 Revolving credit facility, not to exceed $15.0 million (expiring December 21, 2020) (2) (3) (4) (5) 4.9 8.6 Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5) 5.5 15.0 Other facilities Other debt with a weighted annual rate equal to 2.7% 3.2 1.2 Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3) 17.4 17.4 Amortizing debt facility (expiring December 31, 2020) (2) (4) (5) 7.8 19.4 Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 4.7% (2) (3) (4) (5) 7.5 10.0 Total notes payable before unamortized debt issuance costs and discounts 699.3 758.9 Unamortized debt issuance costs and discounts (7.4 ) (9.7 ) Total notes payable outstanding $ 691.9 $ 749.2
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of June 30, 2020 December 31, 2019 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of June 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at June 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of June 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount $ 3.4 $ 3.9

Note 10 - Convertible Senior _2

Note 10 - Convertible Senior Notes (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	As of June 30, 2020 December 31, 2019 Face amount of convertible senior notes $ 33,839 $ 33,839 Discount (9,604 ) (9,748 ) Net carrying value $ 24,235 $ 24,091 Carrying amount of equity component included in paid-in capital $ 108,714 $ 108,714 Excess of instruments' if-converted values over face principal amounts $ — $ —

Note 12 - Net Income Attribut_2

Note 12 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended For the Six Months Ended June 30, June 30, 2020 2019 2020 2019 Numerator: Net income attributable to controlling interests $ 23,165 $ 5,244 $ 28,590 $ 10,957 Preferred stock and preferred unit dividends and accretion (4,736 ) — (7,495 ) — Net income attributable to common shareholders—basic 18,429 5,244 21,095 10,957 Effect of dilutive preferred stock dividends and accretion 596 — 1,193 — Net income attributable to common shareholders—diluted $ 19,025 $ 5,244 $ 22,288 $ 10,957 Denominator: Basic (including unvested share-based payment awards) (1) 14,427 14,627 14,432 14,491 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,921 281 5,460 321 Diluted (including unvested share-based payment awards) (1) 20,348 14,908 19,892 14,812 Net income attributable to common shareholders per share—basic $ 1.28 $ 0.36 $ 1.46 $ 0.76 Net income attributable to common shareholders per share—diluted $ 0.93 $ 0.35 $ 1.12 $ 0.74

Note 13 - Stock-based Compens_2

Note 13 - Stock-based Compensation (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2019 2,687,499 $ 3.66 Issued — $ — Exercised (39,667 ) $ 3.04 Cancelled/Forfeited — $ — Outstanding at June 30, 2020 2,647,832 $ 3.67 1.8 $ 17,671,760 Exercisable at June 30, 2020 2,043,835 $ 3.15 1.3 $ 14,685,601

Note 1 - Description of Our B_2

Note 1 - Description of Our Business (Details Textual)	6 Months Ended
	Jun. 30, 2020
Number of Reportable Segments	2

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands	1 Months Ended			3 Months Ended			6 Months Ended		12 Months Ended
	Jul. 31, 2018USD ($)	Jun. 30, 2018USD ($)	Dec. 31, 2014USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Jun. 30, 2019USD ($)
Payments to Acquire Loans and Leases Held-for-investment, Total				$ 45,200	$ 43,800		$ 92,600	$ 93,200
Loans and Leases Receivable, Deferred Income, Total				50,610	50,600		$ 50,610	$ 50,600	$ 50,610	$ 90,307	$ 50,600
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)							1 year 30 days	330 days
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total				$ 35,200			$ 35,200		$ 35,200	48,100
Percentage of Financing Receivable, Short-term Payment Deferral				1.40%			1.40%		1.40%
Financing Receivable, Short-term Payment Deferral				$ 16,900			$ 16,900		$ 16,900
Financing Receivable, Modifications, Number of Contracts									62,040		22,408
Financing Receivable, Troubled Debt Restructuring				$ 74,400	$ 33,500		$ 74,400	$ 33,500	$ 74,400		$ 33,500
Effective Income Tax Rate Reconciliation, Percent, Total				17.70%	30.30%		18.00%	18.70%
Income Tax Settlement Amount with Taxing Authority			$ 7,400
Tax Adjustments, Settlements, and Unusual Provisions		$ 3,700
Payment of Income Tax Settlement	$ 5,400					$ 500				$ 700
Abatement Sought for Failure-to-pay Penalties				$ 900			$ 900		$ 900
Other Income [Member]
Reduction in Accruals					$ 26,000			$ 41,400
Minimum [Member]
Accounts Payable, Extension of Payment Terms (Month)							300 days
Maximum [Member]
Accounts Payable, Extension of Payment Terms (Month)							3 years 30 days

Note 2 - Significant Accounti_4

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Allowance for Uncollectible Loans and Fees Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$ (186,900)	$ (85,300)	$ (186,300)	$ (79,200)
Provision for loan losses	(32,530)	(48,414)	(99,866)	(83,012)
Charge offs	72,600	35,700	144,000	66,000
Recoveries	(11,200)	(2,200)	(15,900)	(4,000)
Balance at end of period	(158,100)	(100,200)	(158,100)	(100,200)
Balance at end of period individually evaluated for impairment	(500)		(500)		$ (500)
Balance at end of period collectively evaluated for impairment	(157,600)		(157,600)		(185,800)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	769,230		769,230		998,209
Loans, interest and fees receivable individually evaluated for impairment	1,000		1,000		2,200
Loans, interest and fees receivable collectively evaluated for impairment	768,200		768,200		996,000
Credit Card Receivable [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(128,400)	(43,100)	(121,300)	(35,400)
Provision for loan losses	(30,200)	(28,900)	(81,200)	(48,600)
Charge offs	48,800	17,100	95,000	29,400
Recoveries	(2,700)	(400)	(5,000)	(700)
Balance at end of period	(112,500)	(55,300)	(112,500)	(55,300)
Balance at end of period individually evaluated for impairment
Balance at end of period collectively evaluated for impairment	(112,500)		(112,500)		(121,300)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	404,400		404,400		509,200
Loans, interest and fees receivable individually evaluated for impairment
Loans, interest and fees receivable collectively evaluated for impairment	404,400		404,400		509,200
Automobile Loan [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(1,800)	(1,600)	(1,600)	(1,300)
Provision for loan losses	(600)	(1,100)	(1,400)	(2,000)
Charge offs	800	1,500	1,700	2,400
Recoveries	(200)	(400)	(500)	(700)
Balance at end of period	(1,800)	(1,600)	(1,800)	(1,600)
Balance at end of period individually evaluated for impairment	(400)		(400)		(400)
Balance at end of period collectively evaluated for impairment	(1,400)		(1,400)		(1,200)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	89,600		89,600		89,800
Loans, interest and fees receivable individually evaluated for impairment	900		900		2,100
Loans, interest and fees receivable collectively evaluated for impairment	88,700		88,700		87,700
Other Unsecured Lending Products [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(56,700)	(40,600)	(63,400)	(42,500)
Provision for loan losses	(1,800)	(18,400)	(17,300)	(32,400)
Charge offs	23,000	17,100	47,300	34,200
Recoveries	(8,300)	(1,400)	(10,400)	(2,600)
Balance at end of period	(43,800)	$ (43,300)	(43,800)	$ (43,300)
Balance at end of period individually evaluated for impairment	(100)		(100)		(100)
Balance at end of period collectively evaluated for impairment	(43,700)		(43,700)		(63,300)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	275,200		275,200		399,200
Loans, interest and fees receivable individually evaluated for impairment	100		100		100
Loans, interest and fees receivable collectively evaluated for impairment	$ 275,100		$ 275,100		$ 399,100

Note 2 - Significant Accounti_5

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Aging of Delinquent Loans and Fees Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Delinquent loans and fees receivable, gross	$ 97,000	$ 153,200
Current loans, interest and fees receivable, gross	672,200	845,000
Loans, interest and fees receivable, gross	769,230	998,209
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,900
Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	18,700	43,800
Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	17,500	33,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	60,800	76,400
Credit Card Receivable [Member]
Delinquent loans and fees receivable, gross	60,400	86,800
Current loans, interest and fees receivable, gross	344,000	422,400
Loans, interest and fees receivable, gross	404,400	509,200
Balance of loans greater than 90-days delinquent still accruing interest and fees
Credit Card Receivable [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	7,900	21,700
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	10,900	18,500
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	41,600	46,600
Automobile Loan [Member]
Delinquent loans and fees receivable, gross	9,800	13,700
Current loans, interest and fees receivable, gross	79,800	76,100
Loans, interest and fees receivable, gross	89,600	89,800
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,900
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	5,900	8,100
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	1,900	3,000
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	2,000	2,600
Other Unsecured Lending Products [Member]
Delinquent loans and fees receivable, gross	26,800	52,700
Current loans, interest and fees receivable, gross	248,400	346,500
Loans, interest and fees receivable, gross	275,200	399,200
Balance of loans greater than 90-days delinquent still accruing interest and fees
Other Unsecured Lending Products [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	4,900	14,000
Other Unsecured Lending Products [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	4,700	11,500
Other Unsecured Lending Products [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	$ 17,200	$ 27,200

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Amount of TDRs on non-accrual status (in thousands)		$ 74,400	$ 33,500
Point-of-Sale [Member]
Number of TDRs		14,247		10,682
Amount of TDRs on non-accrual status (in thousands)		$ 17,755		$ 14,468
Carrying value of TDRs (in thousands)		$ 12,999		8,864
Number of accounts		4,065	2,539
Loan balance at time of charge off (in thousands)		$ 5,764	$ 3,964
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	10,973		6,754
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,026		$ 2,110
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		3,143		2,788
Amount of TDRs on non-accrual status (in thousands)		$ 5,576		$ 5,118
Direct-to-Consumer [Member]
Number of TDRs		36,984		14,553
Amount of TDRs on non-accrual status (in thousands)		$ 29,034		$ 13,037
Carrying value of TDRs (in thousands)		$ 18,898		7,312
Number of accounts		6,744	2,347
Loan balance at time of charge off (in thousands)		$ 6,208	$ 2,561
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	17,195		6,106
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 1,703		$ 1,206
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		5,760		2,854
Amount of TDRs on non-accrual status (in thousands)		$ 5,531		$ 3,104
[1]	"TDRs - Performing" include accounts that are current on all amounts owed, while "TDRs - Nonperforming" include all accounts with past due amounts owed.

Note 2 - Significant Accounti_7

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Fees and Related Income on Earning Assets (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Fees on credit products	$ 32,399	$ 14,308	$ 67,044	$ 24,604
Changes in fair value of notes payable associated with structured financings recorded at fair value	(82)	452	480	1,327
Other	245	6	301	100
Total fees and related income on earning assets	$ 32,562	$ 14,766	$ 67,825	$ 26,031

Note 2 - Significant Accounti_8

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Revenue from contracts with customers		$ 2,910	$ 2,982	$ 5,636	$ 5,042
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	1,842	1,912	3,822	2,840
Servicing Income [Member]
Revenue from contracts with customers		488	375	1,092	1,061
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		580	695	722	1,141
Credit and Other Investments [Member]
Revenue from contracts with customers		2,646	2,726	5,135	4,502
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	1,842	1,912	3,822	2,840
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		240	135	624	554
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		564	679	689	1,108
Auto Finance [Member]
Revenue from contracts with customers		264	256	501	540
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		248	240	468	507
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 16	$ 16	$ 33	$ 33
[1]	Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual) $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Jun. 30, 2019USD ($)
Number of Reportable Segments	2
Assets, Total	$ 944,249	$ 936,266	$ 710,358
Non-US [Member]
Assets, Total	$ 0	$ 0

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Consumer loans, including past due fees	$ 100,046	$ 55,091	$ 203,102	$ 105,481
Other	67	109	158	178
Total interest income	100,113	55,200	203,260	105,659
Interest expense	(12,252)	(12,014)	(25,836)	(23,160)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	87,861	43,186	177,424	82,499
Changes in fair value of loans, interest and fees receivable recorded at fair value	(25,211)	371	(40,698)	370
Fees and related income on earning assets	32,562	14,766	67,825	26,031
Revenue from contracts with customers	2,910	2,982	5,636	5,042
Equity in income of equity-method investee	79	225	13	452
Income before income taxes	28,092	7,432	34,739	13,325
Income tax benefit (expense)	(4,975)	(2,250)	(6,260)	(2,488)
Income tax expense	(4,975)	(2,250)	(6,260)	(2,488)
Assets, Total	944,249	710,358	944,249	710,358	$ 936,266
Servicing Income [Member]
Revenue from contracts with customers	488	375	1,092	1,061
Credit and Other Investments [Member]
Consumer loans, including past due fees	92,140	47,168	187,302	89,840
Other	67	109	158	178
Total interest income	92,207	47,277	187,460	90,018
Interest expense	(11,977)	(11,583)	(25,152)	(22,352)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	80,230	35,694	162,308	67,666
Changes in fair value of loans, interest and fees receivable recorded at fair value	(25,211)	371	(40,698)	370
Fees and related income on earning assets	32,539	14,682	67,781	25,919
Revenue from contracts with customers	2,646	2,726	5,135	4,502
Equity in income of equity-method investee	79	225	13	452
Income before income taxes	25,924	5,958	30,991	10,165
Income tax benefit (expense)	(4,403)	(1,914)	(5,279)	(1,675)
Income tax expense	(4,403)	(1,914)	(5,279)	(1,675)
Assets, Total	864,557	630,985	864,557	630,985
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers	240	135	624	554
Auto Finance [Member]
Consumer loans, including past due fees	7,906	7,923	15,800	15,641
Other
Total interest income	7,906	7,923	15,800	15,641
Interest expense	(275)	(431)	(684)	(808)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	7,631	7,492	15,116	14,833
Changes in fair value of loans, interest and fees receivable recorded at fair value
Fees and related income on earning assets	23	84	44	112
Revenue from contracts with customers	264	256	501	540
Equity in income of equity-method investee
Income before income taxes	2,168	1,474	3,748	3,160
Income tax benefit (expense)	(572)	(336)	(981)	(813)
Income tax expense	(572)	(336)	(981)	(813)
Assets, Total	79,692	79,373	79,692	79,373
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers	$ 248	$ 240	$ 468	$ 507

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Dec. 27, 2019	Jun. 30, 2020	Mar. 31, 2020	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019	Nov. 14, 2019	Nov. 26, 2014
Stock Repurchased and Retired During Period, Shares (in shares)		10,999		64,845		85,723	70,789
Stock Repurchased and Retired During Period, Value		$ 112,000	$ 559,000	$ 238,000	$ 21,000	$ 671,000	$ 259,000
Own-share Lending Arrangement, Shares, Outstanding (in shares)		1,459,233				1,459,233		1,459,233
Class B Preferred Units [Member]
Preferred Units, Issued (in shares)									50,500,000
Preferred Unit Purchase Price (in dollars per share)									$ 1
Preferred Units Issued, Percentage of Preferred Return									16.00%
Preferred Units Issued, Maximum Percentage Points of Preferred Return in Form of Issuance of Additional Units or Cash									6.00%
Preferred Units, Authorized (in shares)									50,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued (in shares)	400,000	400,000				400,000		400,000
Temporary Equity, Shares Authorized (in shares)	10,000,000	10,000,000				10,000,000		10,000,000
Temporary Equity, Shares Outstanding (in shares)	400,000	400,000				400,000		400,000
Temporary Equity, Liquidation Preference	$ 40,000,000
Preferred Stock, Dividend Rate, Percentage	6.00%
Temporary Equity, Redemption Price Per Share (in dollars per share)	$ 100
Temporary Equity, Conversion Price Per Share (in dollars per share)	$ 10
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity										$ 40,000,000
Extinguishment of Debt, Amount	$ 40,000,000

Note 5 - Investment in Equity_3

Note 5 - Investment in Equity-method Investee (Details Textual)	Jun. 30, 2020
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage	66.70%

Note 5 - Investment in Equity_4

Note 5 - Investment in Equity-method Investee - Summary of Equity-method Investee (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Assets, Total	$ 944,249	$ 710,358	$ 944,249	$ 710,358		$ 936,266
Total liabilities	783,632		783,632			846,881
Members’ capital	21,417	(8,563)	21,417	(8,563)	$ 2,753	335	$ (15,976)	$ (22,129)
Net income	23,117	5,182	28,479	10,837
Equity in income of equity-method investee	79	225	13	452
Equity Method Investment, Nonconsolidated Investee or Group of Investees [Member]
Loans, interest and fees receivables, at fair value	1,983		1,983			2,757
Assets, Total	2,120		2,120			2,922
Total liabilities	11		11			13
Members’ capital	2,109		2,109			$ 2,909
Net interest income, fees and related income on earning assets	153	338	92	680
Net income	118	290	19	579
Equity in income of equity-method investee	$ 79	$ 225	$ 13	$ 452

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities (Details Textual)	Jun. 30, 2020
The 5.875% Convertible Senior Notes Due 2035 [Member]
Debt Instrument, Interest Rate, Stated Percentage	5.875%

Note 6 - Fair Values of Asset_4

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Assets (Details) - USD ($) $ in Thousands		Jun. 30, 2020	Dec. 31, 2019
Loans, interest and fees receivable, at fair value		$ 177,886	$ 4,386
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	560,529	721,573
Loans, interest and fees receivable, at fair value	[1]	177,886	4,386
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]
Loans, interest and fees receivable, at fair value	[1]
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]
Loans, interest and fees receivable, at fair value	[1]
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	666,536	781,208
Loans, interest and fees receivable, at fair value	[1]	$ 177,886	$ 4,386
[1]	For cash, deposits and investments in equity securities, the carrying amount is a reasonable estimate of fair value.

Note 6 - Fair Values of Asset_5

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Assets (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Balance	$ 4,386	$ 6,306
Net revaluations of loans, interest and fees receivable, at fair value	(40,698)	370
Purchases	252,563
Settlements	(68,568)	(1,772)
Finance and fees	30,203
Balance	$ 177,886	$ 4,904

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Quantitative Information about Level 3 Assets and Liabilities Fair Value Measurements (Details) $ in Thousands	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Loans, interest and fees receivable, at fair value	$ 177,886	$ 4,386
Notes Payable Associated with Structured Financings, Fair Value	3,440	3,920
Valuation Technique, Discounted Cash Flow [Member]
Notes Payable Associated with Structured Financings, Fair Value	3,440	3,920
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 177,886	$ 4,386
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.265	0.255
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.553	0.537
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.402	0.286
Notes payable associated with structured financings, measurement input	0.265	0.255
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.047	0.04
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.113	0.095
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.086	0.046
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input	0.047	0.04
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.112	0.105
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.3	0.417
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.232	0.14
Notes payable associated with structured financings, measurement input	0.124	0.105
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.032	0.113
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.246	0.169
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.045	0.119
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.127	0.143
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.135	0.143
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.133	0.143
Notes payable associated with structured financings, measurement input	0.132	0.143

Note 6 - Fair Values of Asset_7

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Revolving credit facilities	$ 656,025	$ 720,687
Amortizing debt facilities	35,835	28,522
Notes payable to related parties
Convertible senior notes	24,235	24,091
Notes Payable Associated with Structured Financings, Fair Value	3,440	3,920
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities
Amortizing debt facilities
Notes payable to related parties
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities
Amortizing debt facilities
Notes payable to related parties
Convertible senior notes	19,965	16,920
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	656,025	720,687
Amortizing debt facilities	35,835	28,522
Notes payable to related parties
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value	$ 3,440	$ 3,920

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Balance			$ 3,920	$ 5,651
Net revaluations of notes payable associated with structured financings, at fair value	$ 82	$ (452)	(480)	(1,327)
Repayments on outstanding notes payable, net
Balance	$ 3,440	$ 4,324	$ 3,440	$ 4,324

Note 6 - Fair Values of Asset_9

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loans, interest and fees receivable, at fair value	$ 177,886	$ 4,386
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	448	644
Loans, interest and fees receivable, at fair value	392	466
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	1	1
Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable	14	28
Structured Financing Notes Payable [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	101,314	101,314
Aggregate fair value of notes payable	3,440	3,920
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	207,591	5,280
Loans, interest and fees receivable, at fair value	177,494	3,920
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	343	8
Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable	$ 2,005	$ 185

Note 7 - Variable Interest En_3

Note 7 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
Unrestricted cash and cash equivalents	$ 139,179	$ 135,379
Restricted cash and cash equivalents	38,864	41,015
Loans, interest and fees receivable, at fair value	177,886	4,386
Loans, interest and fees receivable, gross	769,230	998,209
Allowances for uncollectible loans, interest and fees receivable	(158,091)	(186,329)
Deferred revenue	(50,610)	(90,307)	$ (50,600)
Total Assets held by VIEs	944,249	936,266	$ 710,358
Notes Payable, at face value held by VIEs	691,860	749,209
Notes Payable, at fair value held by VIEs	3,440	3,920
Maximum exposure to loss due to involvement with VIEs	603,100	654,300
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	86,000	78,700
Restricted cash and cash equivalents	28,800	25,900
Loans, interest and fees receivable, at fair value	110,300	3,900
Loans, interest and fees receivable, gross	648,000	857,200
Allowances for uncollectible loans, interest and fees receivable	(147,600)	(168,800)
Deferred revenue	(14,500)	(40,700)
Total Assets held by VIEs	711,000	756,200
Notes Payable, at face value held by VIEs	636,200	701,100
Notes Payable, at fair value held by VIEs	$ 3,400	$ 3,900

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual)	6 Months Ended
	Jun. 30, 2020
Operating Leases, Options to Extend for Additional Periods, Revolving Periods (Year)	1 year
Minimum [Member]
Lessee, Operating Lease, Term of Contract (Year)	1 year
Maximum [Member]
Lessee, Operating Lease, Term of Contract (Year)	5 years

Note 8 - Leases - Lease Cost (D

Note 8 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Operating lease cost, gross	$ 1,725	$ 1,727	$ 3,445	$ 3,436
Sublease income	(1,282)	(1,282)	(2,567)	(2,565)
Net Operating lease cost	443	445	878	871
Cash paid under operating leases, gross	$ 2,561	$ 2,507	$ 5,101	$ 4,999
Weighted average remaining lease term - months (Month)	2 years		2 years
Weighted average discount rate	6.90%		6.90%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
2020 (excluding the three months ended March 31, 2020), gross	$ 5,155
2020 (excluding the three months ended March 31, 2020), payments received from sublease	(3,581)
2020 (excluding the three months ended March 31, 2020), net lease payment	1,574
2021, gross	10,265
2021, payments received from sublease	(7,315)
2021, net lease payment	2,950
2022, gross	4,448
2022, payments received from sublease	(3,112)
2022, net lease payment	1,336
2023, gross	172
2023, payments received from sublease
2023, net lease payment	172
2024, gross	77
2024, payments received from sublease
2024, net lease payment	77
Thereafter, gross	24
Thereafter, payments received from sublease
Thereafter, net lease payment	24
Gross	20,141
Sublease income, payments received from sublease	(14,008)
Lease payments, net lease payment	6,133
Less imputed interest, gross	(1,982)
Less imputed interest, payments received from sublease
Less imputed interest, net
Total, net	18,159	$ 22,259
Total, payments received from sublease
Total, net

Note 9 - Notes Payable (Details

Note 9 - Notes Payable (Details Textual) - USD ($) $ in Thousands

1 Months Ended

6 Months Ended

Jul. 31, 2020

Nov. 30, 2019

Jun. 30, 2019

Nov. 30, 2018

Sep. 30, 2018

Dec. 31, 2017

Dec. 31, 2016

Oct. 31, 2016

Jun. 30, 2020

Jun. 30, 2019

Dec. 31, 2019

Sep. 30, 2019

Aug. 26, 2019

Dec. 31, 2018

Feb. 28, 2017

Oct. 31, 2015

Nov. 30, 2005

Notes Payable Associated with Structured Financings, Fair Value

$ 3,440

$ 3,920

Aggregate Exposure to Pretax Equity Loss, Structured Financing at Fair Value

0

Long-term Line of Credit, Total

656,025

720,687

Proceeds from Issuance of Long-term Debt, Total

$ 200,000

$ 200,000

$ 167,300

104,209

$ 349,701

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

2 years

2 years

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year 180 days

Asset Backed Securities, Weighted Average Interest Rate

4.91%

5.37%

5.76%

5.37%

Subsequent Event [Member]

Proceeds from Issuance of Long-term Debt, Total

$ 100,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year 180 days

Asset Backed Securities, Weighted Average Interest Rate

5.47%

Convertible Debt [Member] | Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]

Debt Instrument, Interest Rate, Stated Percentage

5.875%

Debt Instrument, Face Amount

33,839

$ 33,839

$ 54,400

$ 300,000

Debt Instrument, Repurchase Amount

$ 16,300

Term Note [Member]

Debt Instrument, Interest Rate, Stated Percentage

8.00%

Long-term Debt, Total

$ 17,400

Minimum [Member]

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year

1 year

Maximum [Member]

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year 180 days

1 year 180 days

Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 50,000

[1],[2],[3],[4],[5]

50,000

[1],[2],[3],[4],[5]

$ 50,000

[1],[2],[3],[4],[5]

$ 50,000

Long-term Line of Credit, Total

31,100

Revolving Credit Facility [Member] | Term Note [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 30,000

Long-term Line of Credit, Total

7,500

Secured by the Financial and Operating Assets of CAR [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 40,000

55,000

Long-term Line of Credit, Total

35,500

December 2016 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 20,000

7,800

Long-term Line of Credit, Total

7,800

Trust Funding Notes Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

70,000

$ 90,000

Long-term Line of Credit, Total

5,700

Trust Funding Notes Facility [Member] | Maximum [Member]

Debt Instrument, Interest Rate, Stated Percentage

14.00%

December 2017 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000

Long-term Line of Credit, Total

4,900

Additional Trust Funding Notes Facilities [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 200,000

Long-term Line of Credit, Total

3,800

September 2018 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 50,000

Long-term Line of Credit, Total

5,500

June 2019 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000

$ 15,000

Long-term Line of Credit, Total

$ 9,600

London Interbank Offered Rate (LIBOR) [Member]

Debt Instrument, Variable Rate

0.16%

London Interbank Offered Rate (LIBOR) [Member] | Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

3.00%

London Interbank Offered Rate (LIBOR) [Member] | Revolving Credit Facility [Member] | Term Note [Member]

Debt Instrument, Basis Spread on Variable Rate

4.50%

London Interbank Offered Rate (LIBOR) [Member] | Secured by the Financial and Operating Assets of CAR [Member] | Minimum [Member]

Debt Instrument, Basis Spread on Variable Rate

2.40%

London Interbank Offered Rate (LIBOR) [Member] | Secured by the Financial and Operating Assets of CAR [Member] | Maximum [Member]

Debt Instrument, Basis Spread on Variable Rate

3.00%

London Interbank Offered Rate (LIBOR) [Member] | December 2016 Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

5.00%

London Interbank Offered Rate (LIBOR) [Member] | December 2017 Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

3.50%

London Interbank Offered Rate (LIBOR) [Member] | Additional Trust Funding Notes Facilities [Member]

Debt Instrument, Basis Spread on Variable Rate

4.875%

London Interbank Offered Rate (LIBOR) [Member] | September 2018 Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

6.50%

Prime Rate [Member]

Debt Instrument, Variable Rate

3.25%

Commercial Paper Rates [Member] | Additional Trust Funding Notes Facilities [Member]

Debt Instrument, Basis Spread on Variable Rate

3.75%

[1]

As of June 30, 2020, the LIBOR rate was 0.16% and the prime rate was 3.25%.

[2]

Loans are associated with VIEs.

[3]

Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.

[4]

See below for additional information.

[5]

These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.

Note 9 - Notes Payable - Schedu

Note 9 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of June 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at June 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of June 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount	$ 3,440	$ 3,920
Securitization Financing Facility [Member]
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of June 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at June 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of June 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount	$ 3,400	$ 3,900

Note 9 - Notes Payable - Sche_2

Note 9 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - Securitization Financing Facility [Member] - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Amortizing securitization facility, maturity date	Dec. 31, 2021	Dec. 31, 2021
Amortizing securitization facility, outstanding face amount	$ 101.3	$ 101.3
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 3.4	$ 3.9
London Interbank Offered Rate (LIBOR) [Member]
Amortizing securitization facility, weighted average interest rate	5.70%	6.90%

Note 9 - Notes Payable - Sche_3

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
Revolving credit facilities		$ 656,025	$ 720,687
Amortizing debt facilities		35,835	$ 28,522
Total notes payable before unamortized debt issuance costs and discounts	[1]	699,300		$ 758,900
Unamortized debt issuance costs and discounts	[1]	(7,400)		(9,700)
Total notes payable outstanding	[1]	691,900		749,200
Other Secured Debt [Member]
Amortizing debt facilities	[1]	3,200		1,200
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3)	[1],[2]	17,400		17,400
Amortizing Debt Facility [Member]
Amortizing debt facilities	[1],[3],[4],[5]	7,800		19,400
Amortizing Debt Facility Two [Member]
Amortizing debt facilities	[1],[2],[3],[4],[5]	7,500		10,000
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facilities	[1],[2],[5],[6]	35,500		39,100
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	31,100		40,500
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	5,700		25,800
Revolving Credit Facility Expiring June 11, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facilities	[1],[3],[4],[5]	9,600		14,600
Revolving Credit Facility Expiring November 16, 2020 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	3,800
Revolving Credit Facility Expiring November 15, 2023 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	167,300		167,300
Revolving Credit Facility Expiring December 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	200,000		200,000
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	200,000		200,000
Revolving Credit Facility Expiring December 21, 2020 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	4,900		8,600
Revolving Credit Facility Expiring September 19, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	$ 5,500		$ 15,000
[1]	As of June 30, 2020, the LIBOR rate was 0.16% and the prime rate was 3.25%.
[2]	See below for additional information.
[3]	Loans are associated with VIEs.
[4]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable - Sche_4

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2020		Jun. 30, 2019		Oct. 31, 2015
Other Secured Debt [Member]
Loan, interest rate	[1]	2.70%		2.70%
Phoenix [Member]
Loan, interest rate	[1],[2]	8.00%		8.00%
Amortizing securitization facility, maturity date	[1],[2]	Aug. 26, 2024		Aug. 26, 2024
Amortizing Debt Facility [Member]
Amortizing securitization facility, maturity date	[1],[3],[4],[5]	Dec. 31, 2020		Dec. 31, 2020
Amortizing Debt Facility Two [Member]
Loan, interest rate	[1],[2],[3],[4],[5]	4.70%		4.70%
Amortizing securitization facility, maturity date		Sep. 30, 2021	[1],[2],[3],[4],[5]	Sep. 30, 2021
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[5],[6]	$ 55,000		$ 55,000
Revolving credit facility, expiration date	[1],[2],[5],[6]	Nov. 1, 2021		Nov. 1, 2021
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 50,000		$ 50,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Oct. 30, 2022		Oct. 30, 2022
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 70,000		$ 70,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Feb. 8, 2022		Feb. 8, 2022
Revolving Credit Facility Expiring June 11, 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 100,000		$ 100,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Jun. 11, 2021		Jun. 11, 2021
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[3],[4],[5]	$ 15,000		$ 15,000
Revolving credit facility, expiration date	[1],[3],[4],[5]	Jul. 15, 2021		Jul. 15, 2021
Revolving Credit Facility Expiring November 16, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 100,000		$ 100,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Nov. 16, 2020		Nov. 16, 2020
Revolving Credit Facility Expiring November 15, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 167,300		$ 167,300
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Nov. 15, 2023		Nov. 15, 2023
Revolving Credit Facility Expiring December 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 200,000		$ 200,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Dec. 15, 2022		Dec. 15, 2022
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 200,000		$ 200,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	May 15, 2024		May 15, 2024
Revolving Credit Facility Expiring December 21, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 212,020,000		$ 212,020,000
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity		$ 50,000	[1],[2],[3],[4],[5]	$ 50,000	[1],[2],[3],[4],[5]	$ 50,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Sep. 19, 2021		Sep. 19, 2021
Amortizing securitization facility, weighted average interest rate		5.30%
Revolving Credit Facility Expiring September 19, 2021 [Member]
Amortizing securitization facility, weighted average interest rate				6.00%
Amount of securing assets		$ 648,600		$ 740,400
[1]	As of June 30, 2020, the LIBOR rate was 0.16% and the prime rate was 3.25%.
[2]	See below for additional information.
[3]	Loans are associated with VIEs.
[4]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 10 - Convertible Senior _3

Note 10 - Convertible Senior Notes (Details Textual) - USD ($) $ in Thousands	Aug. 26, 2019	Aug. 26, 2019	Jun. 30, 2020	Dec. 31, 2019	Nov. 30, 2005
Term Note [Member]
Debt Instrument, Interest Rate, Stated Percentage	8.00%	8.00%
Debt Instrument, Maturity Date		Nov. 30, 2035
Long-term Debt, Total	$ 17,400	$ 17,400
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Face Amount	54,400	54,400	$ 33,839	$ 33,839	$ 300,000
Debt Instrument, Interest Rate, Stated Percentage					5.875%
Debt Instrument, Repurchase Amount	16,300	$ 16,300
Gain (Loss) on Repurchase of Debt Instrument	$ 5,100

Note 10 - Convertible Senior _4

Note 10 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019	Aug. 26, 2019	Nov. 30, 2005
Net carrying value	$ 24,235	$ 24,091
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Face amount of convertible senior notes	33,839	33,839	$ 54,400	$ 300,000
Discount	(9,604)	(9,748)
Net carrying value	24,235	24,091
Carrying amount of equity component included in paid-in capital	108,714	108,714
Excess of instruments’ if-converted values over face principal amounts

Note 11 - Commitments and Con_2

Note 11 - Commitments and Contingencies (Details Textual) $ in Millions	Jun. 30, 2020USD ($)
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 10
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	1,400
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	11.6
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	19
Loss Contingency Accrual, Ending Balance	$ 1.3

Note 12 - Net Income Attribut_3

Note 12 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) xbrli-pure in Millions	3 Months Ended			6 Months Ended
	Jun. 30, 2020shares	Mar. 31, 2020$ / shares	Jun. 30, 2019shares	Jun. 30, 2020shares	Jun. 30, 2019shares
Weighted Average Number of Shares, Restricted Stock (in shares)	418,081		505,416	445,984	451,879
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0		1,000,000	0	1,000,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Incremental Common Shares Attributable to Conversion of Debt Securities, Total (in shares)	0		0	0	0
Debt Instrument, Convertible, Conversion Price (in dollars per share) | $ / shares		$ 24.61
Debt Instrument, Convertible, Number of Equity Instruments		1.4

Note 12 - Net Income Attribut_4

Note 12 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Net income attributable to controlling interests		$ 23,165	$ 5,244	$ 28,590	$ 10,957
Preferred stock and preferred unit dividends and accretion		(4,736)		(7,495)
Net income attributable to common shareholders—basic		18,429	5,244	21,095	10,957
Effect of dilutive preferred stock dividends and accretion		596		1,193
Net income attributable to common shareholders—diluted		$ 19,025	$ 5,244	$ 22,288	$ 10,957
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,427	14,627	14,432	14,491
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		5,921	281	5,460	321
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	20,348	14,908	19,892	14,812
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 1.28	$ 0.36	$ 1.46	$ 0.76
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 0.93	$ 0.35	$ 1.12	$ 0.74
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 418,081 and 445,984, respectively, for the three and six months ended June 30, 2020, compared to 505,416 and 451,879, respectively, for the three and six months ended June 30, 2019.

Note 13 - Stock-based Compens_3

Note 13 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	May 09, 2019	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total		$ 0	$ 0	$ 0	$ 0
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount		300		$ 300		$ 500
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)				58,248	205,000
Share-based Payment Arrangement, Expensed and Capitalized, Amount, Total				$ 600	$ 700
Share-based Payment Arrangement, Expense				400	500
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount		800		$ 800
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)				1 year 146 days
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				5 years
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Expense		$ 100	$ 200	$ 200	$ 400
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)				10 years
The Fourth Amended 2014 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized (in shares)	2,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period Extension (Year)	2 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		1,735,430		1,735,430
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		60,085		60,085

Note 13 - Stock-based Compens_4

Note 13 - Stock-based Compensation - Summary of Outstanding Options (Details) - USD ($)	6 Months Ended
	Jun. 30, 2020
Outstanding (in shares)	2,687,499
Outstanding, weighted average exercise price (in dollars per share)	$ 3.66
Issued (in shares)
Issued, weighted average exercise price (in dollars per share)
Exercised (in shares)	(39,667)
Exercised, weighted average exercise price (in dollars per share)	$ 3.04
Cancelled/Forfeited (in shares)
Cancelled/Forfeited, weighted average exercise price (in dollars per share)
Outstanding (in shares)	2,647,832
Outstanding, weighted average exercise price (in dollars per share)	$ 3.67
Outstanding, weighted average remaining contractual life (Year)	1 year 292 days
Outstanding, aggregate intrinsic value	$ 17,671,760
Exercisable (in shares)	2,043,835
Exercisable, weighted average exercise price (in dollars per share)	$ 3.15
Exercisable, weighted average remaining contractual life (Year)	1 year 109 days
Exercisable, aggregate intrinsic value	$ 14,685,601