General Motors Financial (ACF) 10-K 7 Feb 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information Document - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Feb. 06, 2017	Jun. 30, 2016
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Trading Symbol	acf
Entity Registrant Name	General Motors Financial Company, Inc.
Entity Central Index Key	804,269
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		505
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 0

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and cash equivalents	$ 3,201	$ 3,061
Finance receivables, net (Note 4; Note 9 VIEs)	43,190	36,781
Leased vehicles, net (Note 5; Note 9 VIEs)	34,526	20,172
Goodwill (Note 6)	1,196	1,189
Equity in net assets of non-consolidated affiliates (Note 7)	944	986
Property and equipment, net of accumulated depreciation of $127 and $91	279	219
Deferred income taxes (Note 14)	274	231
Related party receivables (Note 2)	510	573
Other assets (Note 9 VIEs)	3,645	2,692
Total assets	87,765	65,904
Liabilities
Secured debt (Note 8; Note 9 VIEs)	39,270	30,689
Unsecured debt (Note 8)	34,606	23,657
Accounts payable and accrued expenses	1,474	1,218
Deferred income	2,365	1,454
Deferred income taxes (Note 14)	220	129
Related party payables (Note 2)	400	362
Other liabilities	737	343
Total liabilities	79,072	57,852
Commitments and contingencies (Note 11)
Shareholder's equity
Common stock, $1.00 par value per share, 1,000 shares authorized and 505 shares issued	0	0
Additional paid-in capital	6,505	6,484
Accumulated other comprehensive loss (Note 17)	(1,238)	(1,104)
Retained earnings	3,426	2,672
Total shareholder's equity	8,693	8,052
Total liabilities and shareholder's equity	$ 87,765	$ 65,904

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Common Stock, Number of Shares, Par Value and Other Disclosures [Abstract]
Common stock par value per share (in usd per share)	$ 1	$ 1
Common stock, shares authorized	1,000	1,000
Common stock, shares issued	505	505
Accumulated depreciation	$ 127	$ 91

Consolidated Statements Of Inco

Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Revenue
Finance charge income	$ 3,329	$ 3,381	$ 3,475
Leased vehicle income	5,925	2,807	1,090
Other income	304	266	289
Total revenue	9,558	6,454	4,854
Costs and expenses
Salaries and benefits	853	726	614
Other operating expenses	637	567	548
Total operating expenses	1,490	1,293	1,162
Leased vehicle expenses	4,529	2,200	847
Provision for loan losses	669	624	604
Interest expense	2,108	1,616	1,426
Total costs and expenses	8,796	5,733	4,039
Equity income (Note 7)	151	116	0
Income before income taxes	913	837	815
Income tax provision (Note 14)	159	191	278
Net income	754	646	537
Other comprehensive loss, net of tax
Unrealized gain on cash flow hedges, net of income tax expense of $11	17	0	0
Defined benefit plans, net of income tax benefit of $3, $1 and $5	(7)	(2)	(14)
Foreign currency translation adjustment, net of income tax expense (benefit) of $17, $(1) and $(1)	(144)	(669)	(430)
Other comprehensive loss, net of tax	(134)	(671)	(444)
Comprehensive income (loss)	$ 620	$ (25)	$ 93

Consolidated Statements Of Inc5

Consolidated Statements Of Income And Comprehensive Income Parenthetical - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Statement [Abstract]
Change in value of cash flow hedges, tax	$ 11	$ 0	$ 0
Unrealized loss on subsidiary pension, tax	3	1	5
Translation income loss, tax	$ 17	$ (1)	$ (1)

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($) $ in Millions	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]
Balance at beginning of period (shares) at Dec. 31, 2013		502
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)		3
Balance at end of period (shares) at Dec. 31, 2014		505
Balance at beginning of period at Dec. 31, 2013		$ 0	$ 4,785	$ 11	$ 1,489
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued		0
Stock-based compensation expense			18
Capital contributions from related party			996
Differences between tax payments due under consolidated return and separate return basis			0
Other comprehensive loss, net of tax				(444)
Net income	$ 537				537
Balance at end of period at Dec. 31, 2014		$ 0	5,799	(433)	2,026
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)		0
Balance at end of period (shares) at Dec. 31, 2015		505
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued		$ 0
Stock-based compensation expense			35
Capital contributions from related party			649
Differences between tax payments due under consolidated return and separate return basis			1
Other comprehensive loss, net of tax				(671)
Net income	646				646
Balance at end of period at Dec. 31, 2015	8,052	$ 0	6,484	(1,104)	2,672
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)		0
Balance at end of period (shares) at Dec. 31, 2016		505
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued		$ 0
Stock-based compensation expense			21
Capital contributions from related party			0
Differences between tax payments due under consolidated return and separate return basis			0
Other comprehensive loss, net of tax				(134)
Net income	754
Balance at end of period at Dec. 31, 2016	$ 8,693	$ 0	$ 6,505	$ (1,238)	$ 3,426

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities
Net income	$ 754	$ 646	$ 537
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	4,839	2,403	992
Accretion and amortization of loan and leasing fees	(1,172)	(609)	(363)
Amortization of carrying value adjustment	(29)	(149)	(234)
Undistributed earnings of non-consolidated affiliates, net	(22)	(116)	0
Provision for loan losses	669	624	604
Deferred income taxes	42	132	(83)
Stock-based compensation expense	25	36	19
Other operating activities	1	(37)	182
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets	(443)	(375)	(85)
Accounts payable and accrued expenses	214	282	133
Taxes payable	(2)	(20)	(63)
Related party taxes payable	0	(636)	(7)
Related party payables	5	(13)	5
Net cash provided by operating activities	4,881	2,168	1,637
Cash flows from investing activities
Purchases of retail finance receivables, net	(17,796)	(17,517)	(14,749)
Principal collections and recoveries on retail finance receivables	13,172	11,726	10,860
Net funding of commercial finance receivables	(2,981)	(1,017)	(1,898)
Purchases of leased vehicles, net	(19,612)	(15,337)	(4,882)
Proceeds from termination of leased vehicles	2,557	1,096	533
Acquisition of international operations	0	(1,049)	(46)
Disposition of equity interest	0	125	0
Purchases of property and equipment	(107)	(90)	(52)
Other investing activities	(7)	30	(2)
Net cash used in investing activities	(24,774)	(22,033)	(10,236)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	780	1,147	470
Borrowings and issuance of secured debt	29,421	22,385	21,080
Payments on secured debt	(20,266)	(15,178)	(16,890)
Borrowings and issuance of unsecured debt	13,282	12,977	7,174
Payments on unsecured debt	(2,837)	(1,709)	(1,889)
Borrowings on related party line of credit	418	0	0
Payments on related party line of credit	(418)	0	0
Capital contributions	0	649	996
Debt issuance costs	(146)	(155)	(127)
Other	0	1	0
Net cash provided by financing activities	20,234	20,117	10,814
Net increase in cash, cash equivalents and restricted cash	341	252	2,215
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	(41)	(295)	(201)
Cash, cash equivalents and restricted cash at beginning of period	5,002	5,045	3,031
Cash, cash equivalents and restricted cash at end of period	5,302	5,002	5,045
Supplemental Cash Flow Elements
Total cash, cash equivalents and restricted cash as presented in the consolidated statements of cash flows	$ 5,002	$ 5,045	$ 3,031

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies History and Operations We were formed on August 1, 1986 and have been a wholly-owned subsidiary of GM since October 2010. We acquired Ally Financial's auto finance and financial services operations in Europe and Latin America in 2013. Additionally, on January 2, 2015, we acquired an equity interest in SAIC-GMAC, a joint venture that conducts business in China, from Ally Financial. Basis of Presentation The consolidated financial statements include our accounts and the accounts of our wholly-owned subsidiaries, including certain special-purpose financing entities utilized in secured financing transactions, which are considered VIEs. All intercompany transactions and accounts have been eliminated in consolidation. Except as otherwise specified, dollar amounts presented within tables are stated in millions. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions which affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. These estimates include, among other things, the determination of the allowance for loan losses on finance receivables, estimated residual value of leased vehicles, goodwill and income taxes. Generally, the financial statements of entities that operate outside of the U.S. are measured using the local currency as the functional currency. All assets and liabilities of the foreign subsidiaries are translated into U.S. dollars at period-end exchange rates and the results of operations and cash flows are determined using approximate weighted-average exchange rates for the period. Translation adjustments are related to the foreign subsidiaries using local currency as their functional currency and are reported as a separate component of accumulated other comprehensive income/loss. Foreign currency transaction gains or losses are recorded directly to the consolidated statements of income and comprehensive income, regardless of whether such amounts are realized or unrealized. We may enter into foreign currency derivatives to mitigate our exposure to changes in foreign currency exchange rates. Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt Our commercial finance receivables are primarily comprised of floorplan financing, which are loans to dealers to finance vehicle inventory, also known as wholesale or inventory financing. In our experience, these loans are typically repaid in less than 90 days of when the credit is extended. Furthermore, we typically have the unilateral ability to call the loans and receive payment within 60 days of the call. Therefore, the presentation of the cash flows related to commercial finance receivables are reflected on the consolidated statements of cash flows as "Net funding of commercial finance receivables." We have revolving debt agreements to finance our commercial lending activities. The revolving period of these agreements ranges from 6 to 24 months; however, the terms of these financing agreements require that a borrowing base of eligible floorplan receivables, within certain concentration limits, must be maintained in sufficient amounts to support advances. When a dealer repays a floorplan receivable to us, either the amount advanced against such receivables must be repaid by us or else the equivalent amount in new receivables must be added to the borrowing base. Despite the revolving term exceeding 90 days , the actual term for repayment of advances under these agreements is when we receive repayment from the dealers, which is typically within 90 days of when the credit is extended. Therefore, the cash flows related to these revolving debt agreements are reflected on the consolidated statements of cash flows as “Net change in debt (original maturities less than three months).” Cash Equivalents Cash equivalents are defined as short-term, highly liquid securities with original maturities of 90 days or less. Retail Finance Receivables and the Allowance for Loan Losses Our retail finance receivables portfolio consists of smaller-balance, homogeneous loans which are carried at amortized cost, net of allowance for loan losses. These loans are divided among pools based on common risk characteristics, such as internal credit score, origination period, delinquent status and geography. An internal credit score, of which FICO is an input in North America, is created by using algorithms or statistical models contained in origination scorecards. The scorecards are used to evaluate a consumer’s ability to pay based on statistical modeling of their prior credit usage, structure of the loan and other information. The output of the scorecards rank-order consumers from those that are most likely to pay to those that are least likely to pay. By further dividing the portfolio into pools based on internal credit scores we are better able to distinguish expected credit performance for different credit risks. These pools are collectively evaluated for impairment based on a statistical calculation, which is supplemented by management judgment. The allowance is aggregated for each of the pools. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable losses inherent in our finance receivables. We use a combination of forecasting methodologies to determine the allowance for loan losses, including roll rate modeling and static pool modeling techniques. A roll rate model is generally used to project near term losses and static pool models are generally used to project losses over the remaining life. Probable losses are estimated for groups of accounts aggregated by past-due status and origination month. Generally, loss experience over the last 10 years is evaluated. Recent performance is more heavily weighted when determining the allowance to result in an estimate that is more reflective of the current internal and external environments. Factors that are considered when estimating the allowance include historical delinquency migration to loss, probability of default ("PD") and loss given default ("LGD"). PD and LGD are specifically estimated for each monthly vintage (i.e., group of originations) in cases where vintage models are used. PD is estimated based on expectations that are aligned with internal credit scores. LGD is projected based on historical trends experienced over the last 10 years, weighted toward more recent performance in order to consider recent market supply and demand factors that impact wholesale used vehicle pricing. While forecasted probable losses are quantitatively derived, we assess the recent internal operating and external environments and may qualitatively adjust certain assumptions to result in an allowance that is more reflective of losses that are expected to occur in the current environment. We also use historical charge-off experience to determine a loss confirmation period ("LCP"). The LCP is a key assumption within our models and represents the average amount of time between when a loss event first occurs to when the receivable is charged-off. This LCP is the basis of our allowance and is applied to the forecasted probable credit losses to determine the amount of losses we believe exist at the balance sheet date. We believe these factors are relevant in estimating incurred losses and also consider an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, changes in the legal and regulatory environment, general economic conditions and business trends and uncertainties in forecasting and modeling techniques used in estimating our allowance. We update our retail loss forecast models and portfolio indicators on a quarterly basis to incorporate information reflective of the current economic environment. Assumptions regarding credit losses and LCPs are reviewed periodically and may be impacted by actual performance of finance receivables and changes in any of the factors discussed above. Should the credit loss assumption or LCP increase, there would be an increase in the amount of allowance for loan losses required, which would decrease the net carrying value of finance receivables and increase the amount of provision for loan losses. Finance receivables that are considered impaired, including troubled debt restructurings ("TDRs") are individually evaluated for impairment. In assessing the risk of individually impaired loans such as TDRs, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience, and industry-specific information that management believes is relevant in determining the occurrence of a loss event and measuring impairment. These factors are based on an evaluation of historical and current information, and involve subjective assessment and interpretation. Commercial Finance Receivables and the Allowance for Loan Losses Our commercial lending offerings consist of floorplan financing as well as dealer loans, which are loans to finance improvements to dealership facilities, to provide working capital, and to purchase and/or finance dealership real estate. Commercial finance receivables are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the commercial finance receivables. For the International Segment, we established the allowance for loan losses based on historical loss experience. Since we began offering commercial lending in the North America Segment in 2012, we have performed an analysis of the experience of comparable commercial lenders in order to estimate probable credit losses inherent in our portfolio. The commercial finance receivables are aggregated into loan-risk pools, which are determined based on our internally-developed risk rating system. Based upon our risk ratings, we also determine if any specific dealer loan is considered impaired. If impaired loans are identified, specific reserves are established, as appropriate, and the loan is segregated for separate monitoring. Charge-off Policy Our policy is to charge off a retail account in the month in which the account becomes 120 days contractually delinquent if we have not yet recorded a repossession charge-off. In the North America Segment, we charge off accounts in repossession when the automobile is repossessed and legally available for disposition. In the International Segment, we charge off accounts when the repossession process is started. Commercial finance receivables are individually evaluated and, where collectability of the recorded balance is in doubt, are written down to the fair value of the collateral less costs to sell. Commercial receivables are charged off at the earlier of when they are deemed uncollectible or reach 360 days past due. Troubled Debt Restructurings In evaluating whether a loan modification constitutes a TDR, our policy for retail loans is that both of the following must exist: (i) the modification constitutes a concession; and (ii) the debtor is experiencing financial difficulties. In accordance with our policies and guidelines, we, at times, offer payment deferrals to customers. Each deferral allows the consumer to move up to two delinquent monthly payments to the end of the loan generally by paying a fee (approximately the interest portion of the payment deferred, except where state law provides for a lesser amount). A loan that is deferred two or more times would be considered significantly delayed and therefore meets the definition of a concession. A loan currently in payment default as the result of being delinquent would also represent a debtor experiencing financial difficulties. Therefore, considering these two factors, we have determined that the second deferment granted by us on a retail loan will be considered a TDR and the loan impaired. Accounts in Chapter 13 bankruptcy that have an interest rate or principal adjustment as part of a confirmed bankruptcy plan would also be considered TDRs. Retail finance receivables that become classified as TDRs are separately assessed for impairment. A specific allowance is estimated based on the present value of expected cash flows of the receivable discounted at the loan's original effective interest rate. Commercial receivables subject to forbearance, moratoriums, extension agreements, or other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral are classified as TDRs. We do not grant concessions on the principal balance of dealer loans. Variable Interest Entities – Securitizations and Credit Facilities We finance our loan and lease origination volume through the use of our credit facilities and execution of securitization transactions, which both utilize special purpose entities ("SPEs"). In our credit facilities, we transfer finance receivables or lease-related assets to special purpose finance subsidiaries. These subsidiaries, in turn, issue notes to the agents, collateralized by such assets and cash. The agents provide funding under the notes to the subsidiaries pursuant to an advance formula, and the subsidiaries forward the funds to us in consideration for the transfer of the assets. In our securitizations, we transfer finance receivables or lease-related assets to SPEs structured as securitization trusts ("Trusts"), which issue one or more classes of asset-backed securities. The asset-backed securities are in turn sold to investors. Our continuing involvement with the credit facilities and Trusts consist of servicing assets held by the SPEs and holding residual interests in the SPEs. These transactions are structured without recourse. The SPEs are considered VIEs under U.S. GAAP and are consolidated because we have: (i) power over the significant activities of the entities and (ii) an obligation to absorb losses or the right to receive benefits from the VIEs which could be significant to the VIEs. Accordingly, we are the primary beneficiary of the VIEs and the finance receivables, leasing related assets, borrowings under our credit facilities and, following a securitization, the related securitization notes payable remain on the consolidated balance sheets. Refer to Note 4 - "Finance Receivables," Note 8 - "Debt" and Note 9 - "Variable Interest Entities" to our consolidated financial statements for further information. We are not required, and do not currently intend, to provide any additional financial support to SPEs. While these subsidiaries are included in our consolidated financial statements, these subsidiaries are separate legal entities and the finance receivables and other assets held by these subsidiaries are legally owned by them and are not available to our creditors or creditors of our other subsidiaries. We recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in securitization transactions, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. Cash pledged to support securitization transactions is deposited to a restricted account and recorded on our consolidated balance sheets as restricted cash, which is invested in highly liquid securities with original maturities of 90 days or less. Property and Equipment Property and equipment additions are carried at amortized cost. Depreciation is generally provided on a straight-line basis over the estimated useful lives of the assets, which ranges from 1 to 30 years. The basis of assets sold or retired and the related accumulated depreciation are removed from the accounts at the time of disposition and any resulting gain or loss is included in operations. Maintenance, repairs and minor replacements are charged to operations as incurred; major replacements and improvements are capitalized. Leased Vehicles Leased vehicles consist of automobiles leased to customers and are carried at amortized cost less manufacturer subvention payments, which are received up front. Depreciation expense is recorded on a straight-line basis over the term of the lease agreement. Manufacturer subvention is recognized on a straight-line basis as a reduction to depreciation expense. Leased vehicles are depreciated to the estimated residual value at the end of the lease term. Under the accounting for impairment or disposal of long-lived assets, residual values of operating leases are evaluated individually for impairment when indicators of impairment exist. When indicators of impairment exist and aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased asset at the end of the lease, are less than the book value of the lease, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Otherwise, reductions in the expected residual value result in additional depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds. Goodwill The excess of the purchase price of the merger with GM over the fair value of the net assets acquired was recorded as goodwill, and was attributed to the North America reporting unit, which was our only reporting unit at that time. With the acquisition of the international operations, we added two additional reporting units: Latin America and Europe. The excess of the purchase price of the acquisition of the international operations over the fair value of the net assets acquired was all attributed to the Latin America reporting unit. We performed our annual goodwill impairment testing as of October 1, 2016 for each reporting unit. For the North America reporting unit, which represents 92% of our goodwill balance, we determined the fair value with consideration to valuations under the income approach, weighted 75% , and the market approach, weighted 25% . The income approach evaluates the cash flow of the reporting unit over a specified time, discounted at an appropriate market rate to arrive at an indication of the most probable selling price. Factors contributing to the determination of the reporting unit's operating performance were historical performance and management's estimates of future performance. The market approach considers trading prices of securities issued by comparable companies as multiples of historical earnings and forecast earnings. The results of the first step of the impairment test indicated that the fair value exceeded the carrying value; therefore, it was not necessary to perform the second step analysis. If actual market conditions are less favorable than those we and the industry have projected, or if events occur or circumstances change that would reduce the fair value of our goodwill below the amount reflected in the balance sheet, we may be required to conduct an interim test and possibly recognize impairment charges, which could be material, in future periods. Derivative Financial Instruments We recognize all of our derivative financial instruments as either assets or liabilities on our consolidated balance sheets at fair value. We do not use derivative financial instruments for trading or speculative purposes. Interest Rate Swap Agreements We utilize interest rate swap agreements to convert certain floating rate exposures to fixed rate or certain fixed-rate exposures to floating rate in order to manage our interest rate exposure. Cash flows from derivatives used to manage interest rate risk are classified as operating activities. We designate certain pay-fixed, receive-floating interest rate swaps as cash flow hedges of variable rate debt. The risk being hedged is the risk of variability in interest payments attributable to changes in interest rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the hedge in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings, we reclassify these amounts to interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately. We designate certain receive-fixed, pay-floating interest rate swaps as fair value hedges of fixed-rate debt. The risk being hedged is the risk of changes in the fair value of the hedged debt attributable to changes in the benchmark interest rate. If the hedge relationship is deemed to be highly effective, we record the changes in the fair value of the hedged debt related to the risk being hedged in interest expense. The change in fair value of the related derivative (excluding accrued interest) is also recorded in interest expense. Interest Rate Cap and Floor Agreements We may purchase interest rate cap and floor agreements to limit floating rate exposures in our credit facilities. As part of our interest rate risk management strategy and when economically feasible, we may simultaneously sell a corresponding interest rate cap or floor agreement in order to offset the premium paid to purchase the interest rate cap or floor agreement and thus retain the interest rate risk. Because the interest rate cap and floor agreements entered into by us or our special purpose finance subsidiaries do not qualify for hedge accounting, changes in the fair value of interest rate cap and floor agreements purchased by the special purpose finance subsidiaries and interest rate cap and floor agreements sold by us are recorded in interest expense. Interest rate risk management contracts are generally expressed in notional principal or contract amounts that are much larger than the amounts potentially at risk for nonpayment by counterparties. Therefore, in the event of nonperformance by the counterparties, our credit exposure is limited to the uncollected interest and the market value related to the contracts that have become favorable to us. We manage the credit risk of such contracts by using highly rated counterparties, establishing risk limits and monitoring the credit ratings of the counterparties. We maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association Master Agreement. We enter into arrangements with individual counterparties that we believe are creditworthy and generally settle on a net basis. In addition, we perform a quarterly assessment of our counterparty credit risk, including a review of credit ratings, credit default swap rates and potential nonperformance of the counterparty. Foreign Currency Swaps Our policy is to minimize exposure to changes in currency exchange rates. To meet funding objectives, we borrow in a variety of currencies. We face exposure to currency exchange rates when the currency of our earning assets differs from the currency of the debt funding those assets. When possible, we fund earning assets with debt in the same currency, minimizing exposure to exchange rate movements. When a different currency is used, we may use foreign currency swaps to convert our debt obligations to the local currency of the earning assets. We designate certain cross-currency swaps as cash flow hedges of foreign currency-denominated debt. The risk being hedged is the variability in the cash flows for the payments of both principal and interest attributable to changes in foreign currency exchange rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the swap in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings via principal remeasurement or accrual of interest expense, we reclassify these amounts to other operating expenses or interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately. Fair Value Financial instruments are considered Level 1 when quoted prices are available in active markets for identical assets or liabilities as of the reporting date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Financial instruments are considered Level 2 when inputs other than quoted prices are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Financial instruments are considered Level 3 when their values are determined using price models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. Income Taxes We account for income taxes on a separate return basis using an asset and liability method which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, net operating loss and tax credit carryforwards. A valuation allowance is recognized if it is more likely than not that some portion or the entire deferred tax asset will not be realized. We record uncertain tax positions on the basis of a two-step process whereby: (i) we determine whether it is more likely than not that the tax positions will be sustained based on the technical merits of the position; and (ii) for those tax positions that meet the more likely than not recognition, we recognize the largest amount of tax benefit that is greater than 50% likely to be realized upon ultimate settlement with the related tax authority. We record interest and penalties on uncertain tax positions in income tax provision (benefit). Revenue Recognition Finance charge income related to retail finance receivables is recognized using the effective interest method. Fees and commissions received and direct costs of originating loans are generally deferred and amortized over the term of the related finance receivables using the effective interest method and are removed from the consolidated balance sheets when the related finance receivables are sold, charged off or paid in full. Accrual of finance charge income is suspended on accounts that are more than 60 days delinquent, accounts in bankruptcy and accounts in repossession. Payments received on non-accrual loans are first applied to any fees due, then to any interest due and, finally, any remaining amounts received are recorded to principal. Interest accrual resumes once an account has received payments bringing the delinquency status to less than 60 days past due or, for TDRs, when repayment is reasonably assured based on the modified terms of the loan. Finance charge income related to commercial finance receivables is recognized using the effective interest method. Accrual of finance charge income is generally suspended on accounts that are more than 90 days delinquent, upon receipt of a bankruptcy notice from a borrower, or where reasonable doubt about the full collectability of contractually agreed upon principal and interest exist. Payments received on non-accrual loans are first applied to principal. Interest accrual resumes once an account has received payments bringing the delinquency status fully current and collection of contractual principal and interest is reasonably expected (including amounts previously charged off). Operating lease rental income for leased vehicles is recognized on a straight-line basis over the lease term. Net deferred origination fees or costs are amortized on a straight-line basis over the term of the lease agreement. Parent Company Stock-Based Compensation We measure and record compensation expense for parent company stock-based compensation awards based on the award's estimated fair value. We record compensation expense over the applicable vesting period of an award. Refer to Note 12 - "Parent Company Stock-Based Compensation" to our consolidated financial statements for further information. Recently Adopted Accounting Standards In November 2016 the Financial Accounting Standards Board ("FASB") issued Accounting Standard Update 2016-18, "Statement of Cash Flows (Topic 230): Restricted Cash" (ASU 2016-18), which clarifies the presentation of restricted cash and restricted cash equivalents in the statements of cash flows. Under ASU 2016-18 restricted cash and restricted cash equivalents are included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts presented on the statements of cash flows. We adopted ASU 2016-18 during the three months ended December 31, 2016 on a retrospective basis. As a result net cash provided by operating activities decreased by $271 million in 2015 and increased by an insignificant amount in 2014. Net cash used in investing activities decreased by $264 million and $232 million in 2015 and 2014 and beginning-of-period cash, cash equivalents and restricted cash increased by $1.9 billion , $2.1 billion and $2.0 billion as of December 31, 2016, 2015 and 2014. Recently Issued Accounting Standards Not Yet Adopted In May 2014 the FASB issued ASU 2014-09, “Revenue from Contracts with Customers” (ASU 2014-09), which requires us to recognize revenue when a customer obtains control rather than when we have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09 is effective for annual reporting periods beginning on or after December 15, 2017 with early adoption permitted for reporting periods beginning on or after December 15, 2016. The adoption of ASU 2014-09 will not have a significant impact on our consolidated financial statements. In February 2016 the FASB issued ASU 2016-02, “Leases” (ASU 2016-02), which requires the lessee to recognize most leases on the balance sheet thereby resulting in the recognition of lease assets and liabilities for those leases currently classified as operating leases. The accounting for lessors is largely unchanged. ASU 2016-02 is effective for annual reporting periods beginning after December 15, 2018 with early adoption permitted. While we are currently assessing the impact ASU 2016-02 will have on our consolidated financial statements, we expect the primary impact to our consolidated financial position upon adoption will be the recognition, on a discounted basis, of our minimum commitments under noncancelable operating leases on our consolidated balance sheets resulting in the recording of right of use assets and lease obligations. Our current minimum commitments under noncancelable operating leases are disclosed in Note 11 . In June 2016 the FASB issued ASU 2016-13, "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" (ASU 2016-13), which requires entities to use a new impairment model based on expected losses. Under this new model an entity would recognize an impairment allowance equal to its current estimate of credit losses on financial assets measured at amortized cost. ASU 2016-13 is effective for us beginning January 1, 2020 with early adoption permitted January 1, 2019. Credit losses under the new model will consider relevant information about past events, current conditions and reasonable and supportable forecasts, resulting in recognition of lifetime expected credit losses upon loan origination as compared to our current accounting that recognizes credit losses as incurred. Adoption of ASU 2016-13 will increase the allowance for credit losses with the cumulative effect upon adoption resulting in a negative adjustment to retained earnings. We are currently evaluating new processes to calculate credit losses in accordance with ASU 2016-13 that, once completed, will determine the impact on our consolidated financial statements which

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions We offer loan and lease finance products through GM-franchised dealers to customers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. We also offer commercial loans to dealers that are consolidated by GM and those balances are included in our finance receivables, net. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on retail loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. We also provide funding under lines of credit to GM, which are included in our net funding of commercial finance receivables on the consolidated statements of cash flows. During 2016, we advanced $456 million under a new line of credit to GM subsidiary Adam Opel AG, which was repaid with interest during 2016. We have related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . The following tables present related party transactions: Balance Sheet Data December 31, 2016 December 31, 2015 Commercial finance receivables, net due from dealers consolidated by GM (a) $ 401 $ 229 Advances drawn on lines of credit due from GM (b) $ 137 $ 190 Subvention receivable (c) $ 373 $ 383 Commercial loan funding payable (d) $ 389 $ 351 Income Statement Data Years Ended December 31, 2016 2015 2014 Interest subvention earned on retail finance receivables and leases (e) $ 443 $ 313 $ 248 Interest subvention earned on commercial finance receivables (e) $ 169 $ 175 $ 195 Leased vehicle subvention earned (f) $ 2,238 $ 1,001 $ 311 _________________ (a) Included in finance receivables, net. (b) Included in related party receivables. (c) Included in related party receivables. We received subvention payments from GM of $4.4 billion , $3.6 billion and $1.2 billion during 2016 , 2015 and 2014 . (d) Included in related party payables. (e) Included in finance charge income. (f) Included as a reduction to leased vehicle expenses. Under our support agreement with GM (the “Support Agreement”), if our earning assets leverage ratio at the end of any calendar quarter exceeds the applicable threshold set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage ratio to within the applicable threshold. In determining our earning assets leverage ratio (net earning assets divided by adjusted equity) under the Support Agreement, net earning assets means our finance receivables, net, plus leased vehicles, net, and adjusted equity means our equity, net of goodwill and inclusive of outstanding junior subordinated debt, as each may be adjusted for derivative accounting from time to time. Additionally, the Support Agreement provides that GM will own all of our outstanding voting shares as long as we have any unsecured debt securities outstanding and that GM will use its commercially reasonable efforts to ensure that we will continue to be designated as a subsidiary borrower of up to $4.0 billion under GM’s corporate revolving credit facilities, which were amended in May 2016. These amendments increased GM's borrowing capacity on its corporate revolving credit facilities from $12.5 billion to $14.5 billion . We have the ability to borrow up to $1.0 billion under GM's three -year, $4.0 billion unsecured revolving credit facility and $3.0 billion under GM's five -year, $10.5 billion unsecured revolving credit facility, subject to available capacity. GM also agreed to certain provisions in the Support Agreement intended to ensure that we maintain adequate access to liquidity. Pursuant to these provisions, GM provided us with a $1.0 billion junior subordinated unsecured intercompany revolving credit facility (the "Junior Subordinated Revolving Credit Facility"). In September 2016, we borrowed $415 million on the Junior Revolving Credit Facility, which we repaid with interest in December 2016. Since October 1, 2010, we have been included in GM's consolidated U.S. federal income tax returns. For taxable income we recognize in any period beginning on or after October 1, 2010, we are obligated to pay GM for our share of the consolidated U.S. federal and certain state tax liabilities. Amounts owed to GM for income taxes are accrued and recorded as a related party payable. At December 31, 2016 and December 31, 2015 , there are no related party taxes payable to GM due to our taxable loss position.

Acquisition of Equity Interest

Acquisition of Equity Interest	12 Months Ended
	Dec. 31, 2016
Business Combinations [Abstract]
Acquisition of Equity Interest	Acquisition of Equity Interest On January 2, 2015, we completed the acquisition of Ally Financial's 40% equity interest in SAIC-GMAC. The aggregate purchase price was $1.0 billion . Also on January 2, 2015, we sold a 5% equity interest in SAIC-GMAC to SAIC FC, a current shareholder of SAIC-GMAC, for proceeds of $125 million . As a result of these transactions, we own a 35% equity interest in SAIC-GMAC. We account for our ownership interest in SAIC-GMAC using the equity method of accounting. The difference between the carrying amount of our investment and our share of the underlying net assets of SAIC-GMAC at the time of acquisition was $371 million , which was primarily related to goodwill. We determined the acquisition date fair values of the identifiable assets acquired and liabilities assumed in accordance with ASC 805, "Business Combinations" ("ASC 805"). Income resulting from the equity investment in SAIC-GMAC is included in our results beginning January 2, 2015. Equity income from SAIC-GMAC recorded during 2016 and 2015 was $151 million and $116 million . If the acquisition had occurred on January 1, 2014, our unaudited pro forma net income for 2014 would have increased by $107 million to $644 million .

Finance Receivables

Finance Receivables	12 Months Ended
	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables	Finance Receivables December 31, 2016 December 31, 2015 Retail finance receivables Retail finance receivables, collectively evaluated for impairment, net of fees (a) $ 30,989 $ 27,512 Retail finance receivables, individually evaluated for impairment, net of fees 1,921 1,612 Total retail finance receivables (b) 32,910 29,124 Less: allowance for loan losses - collective (517 ) (515 ) Less: allowance for loan losses - specific (276 ) (220 ) Total retail finance receivables, net 32,117 28,389 Commercial finance receivables Commercial finance receivables, collectively evaluated for impairment, net of fees 11,053 8,357 Commercial finance receivables, individually evaluated for impairment, net of fees 70 82 Total commercial finance receivables 11,123 8,439 Less: allowance for loan losses - collective (43 ) (38 ) Less: allowance for loan losses - specific (7 ) (9 ) Total commercial finance receivables, net 11,073 8,392 Total finance receivables, net $ 43,190 $ 36,781 Fair value of finance receivables $ 43,140 $ 36,937 ________________ (a) Includes $1.3 billion and $1.1 billion of direct-financing leases at December 31, 2016 and 2015 . (b) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs of $191 million and $179 million at December 31, 2016 and 2015 . We estimate the fair value of retail finance receivables using observable and unobservable Level 3 inputs within a cash flow model. The inputs reflect assumptions regarding expected prepayments, deferrals, delinquencies, recoveries and charge-offs of the loans within the portfolio. The cash flow model produces an estimated amortization schedule of the finance receivables. The projected cash flows are then discounted to derive the fair value of the portfolio. Macroeconomic factors could affect the credit performance of the portfolio and, therefore, could potentially affect the assumptions used in our cash flow model. A substantial majority of our commercial finance receivables have variable interest rates and maturities of one year or less. Therefore, the carrying amount, a Level 2 input, is considered to be a reasonable estimate of fair value. Retail Finance Receivables Years ended December 31, 2016 2015 2014 Retail finance receivables beginning balance $ 29,124 $ 25,623 $ 23,130 Purchases of retail finance receivables 18,054 17,537 15,085 Principal collections and other (12,633 ) (10,968 ) (10,234 ) Charge-offs (1,171 ) (996 ) (914 ) Foreign currency translation (464 ) (2,072 ) (1,444 ) Retail finance receivables ending balance $ 32,910 $ 29,124 $ 25,623 A summary of the activity in the allowance for retail loan losses is as follows: Years ended December 31, 2016 2015 2014 Allowance for retail loan losses beginning balance $ 735 $ 655 $ 497 Provision for loan losses 666 612 613 Charge-offs (1,171 ) (996 ) (914 ) Recoveries 559 486 470 Foreign currency translation 4 (22 ) (11 ) Allowance for retail loan losses ending balance $ 793 $ 735 $ 655 Retail Credit Quality We use proprietary scoring systems in the underwriting process that measure the credit quality of the receivables using several factors, such as credit bureau information, consumer credit risk scores (e.g. FICO score), and contract characteristics. We also consider other factors, such as employment history, financial stability and capacity to pay. At the time of loan origination, substantially all of our International Segment customers have the equivalent of prime credit scores. In the North America Segment, while we historically focused on consumers with lower than prime credit scores, we have expanded our prime lending programs. A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables in the North America Segment is as follows: December 31, 2016 December 31, 2015 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 7,923 36.4 % $ 4,418 24.4 % Near-prime - FICO Score 620 to 679 3,468 15.9 % 2,890 15.9 % Sub-prime - FICO Score less than 620 10,395 47.7 % 10,840 59.7 % Balance at end of period $ 21,786 100.0 % $ 18,148 100.0 % In addition, we review the credit quality of our retail finance receivables based on customer payment activity. A retail account is considered delinquent if a substantial portion of a scheduled payment has not been received by the date such payment was contractually due. Retail finance receivables are collateralized by vehicle titles and, subject to local laws, we generally have the right to repossess the vehicle in the event the customer defaults on the payment terms of the contract. The following is a consolidated summary of the contractual amounts of delinquent retail finance receivables, which is not significantly different than the recorded investment for such receivables. December 31, 2016 December 31, 2015 Amount Percent of Contractual Amount Due Amount Percent of Contractual Amount Due 31 - 60 days $ 1,235 3.7 % $ 1,237 4.2 % Greater than 60 days 542 1.7 481 1.6 Total finance receivables more than 30 days delinquent 1,777 5.4 1,718 5.8 In repossession 51 0.1 46 0.2 Total finance receivables more than 30 days delinquent or in repossession $ 1,828 5.5 % $ 1,764 6.0 % At December 31, 2016 and 2015 , the accrual of finance charge income had been suspended on retail finance receivables with contractual amounts due of $807 million and $778 million . Impaired Retail Finance Receivables - TDRs Retail finance receivables that become classified as troubled debt restructurings ("TDRs") are separately assessed for impairment. A specific allowance is estimated based on the present value of the expected future cash flows of the receivable discounted at the loan's original effective interest rate. Accounts that become classified as TDRs because of a payment deferral accrue interest at the contractual rate and an additional fee is collected (where permitted) at each time of deferral and recorded as a reduction of accrued interest. No interest or fees are forgiven on a payment deferral to a customer; therefore, there are no additional financial effects of deferred loans becoming classified as TDRs. Accounts in the U.S. in Chapter 13 bankruptcy would have already been placed on non-accrual; therefore, there are no additional financial effects from these loans becoming classified as TDRs. Finance charge income from loans classified as TDRs is accounted for in the same manner as other accruing loans. Cash collections on these loans are allocated according to the same payment hierarchy methodology applied to loans that are not classified as TDRs. At December 31, 2016 and 2015 , the outstanding balance of retail finance receivables in the International Segment determined to be TDRs was insignificant; therefore, the following information is presented with regard to the TDRs in the North America Segment only. The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below: December 31, 2016 December 31, 2015 Outstanding recorded investment $ 1,920 $ 1,612 Less: allowance for loan losses (276 ) (220 ) Outstanding recorded investment, net of allowance $ 1,644 $ 1,392 Unpaid principal balance $ 1,967 $ 1,642 Additional information about loans classified as TDRs is presented below: Years Ended December 31, 2016 2015 2014 Average outstanding recorded investment $ 1,766 $ 1,455 $ 996 Finance charge income recognized $ 205 $ 164 $ 123 Number of loans classified as TDRs during the period 66,926 58,012 49,490 Recorded investment of loans classified as TDRs during the period $ 1,148 $ 982 $ 794 A redefault is when an account meets the requirements for evaluation under our charge-off policy. The unpaid principal balance, net of recoveries, of loans that redefaulted during the reporting period and were within 12 months of being modified as a TDR were $26 million , $20 million and $25 million for 2016 , 2015 and 2014 . Commercial Finance Receivables Years Ended December 31, 2016 2015 2014 Commercial finance receivables beginning balance $ 8,439 $ 8,072 $ 6,700 Net funding 3,017 984 1,889 Charge-offs (2 ) (3 ) — Foreign currency translation (331 ) (614 ) (517 ) Commercial finance receivables ending balance $ 11,123 $ 8,439 $ 8,072 Commercial Credit Quality We extend wholesale credit to dealers primarily in the form of approved lines of credit to purchase new vehicles as well as used vehicles. Each commercial lending request is evaluated, taking into consideration the borrower's financial condition and the underlying collateral for the loan. We use proprietary models to assign each dealer a risk rating. These models use historical performance data to identify key factors about a dealer that we consider significant in predicting a dealer's ability to meet its financial obligations. We also consider numerous other financial and qualitative factors including, but not limited to, capitalization and leverage, liquidity and cash flow, profitability and credit history. We regularly review our models to confirm the continued business significance and statistical predictability of the factors and update the models to incorporate new factors or other information that improves statistical predictability. In addition, we verify the existence of the assets collateralizing the receivables by physical audits of vehicle inventories, which are performed with increased frequency for higher risk dealers (i.e., Groups III, IV, V and VI). We perform a credit review of each dealer at least annually and adjust the dealer's risk rating, if necessary. Dealers in Group VI are subject to additional funding restrictions including suspension of lines of credit and liquidation of assets. Performance of our commercial finance receivables is evaluated based on our internal dealer risk rating analysis, as payment for wholesale receivables is generally not required until the dealer has sold or leased the vehicle inventory. All receivables from the same dealer customer share the same risk rating. A summary of the credit risk profile by dealer risk rating of the commercial finance receivables is as follows: December 31, 2016 December 31, 2015 Amount Percent Amount Percent Group I - Dealers with superior financial metrics $ 1,596 14.3 % $ 1,299 15.4 % Group II - Dealers with strong financial metrics 3,445 31.0 2,648 31.4 Group III - Dealers with fair financial metrics 4,039 36.3 2,703 32.0 Group IV - Dealers with weak financial metrics 1,231 11.1 1,100 13.0 Group V - Dealers warranting special mention due to potential weaknesses 642 5.8 505 6.0 Group VI - Dealers with loans classified as substandard, doubtful or impaired 170 1.5 184 2.2 Balance at end of period $ 11,123 100.0 % $ 8,439 100.0 % At December 31, 2016 and 2015 , substantially all of our commercial finance receivables were current with respect to payment status and none were classified as TDRs. Activity in the allowance for commercial loan losses was insignificant for 2016 , 2015 and 2014 .

Leased Vehicles

Leased Vehicles	12 Months Ended
	Dec. 31, 2016
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased Vehicles	Leased Vehicles December 31, 2016 December 31, 2015 Leased vehicles $ 48,581 $ 27,587 Manufacturer subvention (7,706 ) (4,582 ) 40,875 23,005 Less: accumulated depreciation (6,349 ) (2,833 ) Leased vehicles, net $ 34,526 $ 20,172 A summary of the changes in our leased vehicles is as follows: Years Ended December 31, 2016 2015 2014 Balance at beginning of period $ 23,005 $ 8,268 $ 4,025 Leased vehicles purchased 25,377 20,199 6,169 Terminated leases (4,095 ) (1,785 ) (878 ) Leased vehicles returned - default (358 ) (120 ) (58 ) Manufacturer subvention (3,111 ) (3,169 ) (844 ) Foreign currency translation 57 (388 ) (146 ) Balance at end of period $ 40,875 $ 23,005 $ 8,268 The following table summarizes minimum rental payments due to us as lessor under operating leases: Years Ending December 31, 2017 2018 2019 2020 2021 Total Minimum rental payments under operating leases $ 5,649 $ 4,176 $ 1,869 $ 180 $ 4 $ 11,878

Goodwill

Goodwill	12 Months Ended
	Dec. 31, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Goodwill The following table summarizes the changes in the carrying amounts of goodwill by segment: Years Ended December 31, 2016 2015 2014 North America International Total North America International Total North America International Total Beginning balance $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244 $ 1,108 $ 132 $ 1,240 Acquisition — — — — — — — 6 6 Foreign currency translation — 7 7 (1 ) (54 ) (55 ) (2 ) — (2 ) Ending balance $ 1,105 $ 91 $ 1,196 $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244

Equity in Net Assets of Non-con

Equity in Net Assets of Non-consolidated Affiliates	12 Months Ended
	Dec. 31, 2016
Equity Method Investments and Joint Ventures [Abstract]
Equity in Net Assets of Non-consolidated Affiliates	Equity in Net Assets of Non-consolidated Affiliates We use the equity method to account for our equity interest in SAIC-GMAC Automotive Finance Company Limited ("SAIC-GMAC"), a joint venture that conducts auto finance operations in China. The income of SAIC-GMAC is not consolidated into our financial statements; rather, our proportionate share of the earnings is reflected as equity income. We received cash dividends from SAIC-GMAC of $129 million in 2016 . There were no cash dividends received in 2015 . At December 31, 2016 and 2015 , we had undistributed earnings of $142 million and $121 million related to SAIC-GMAC. The following tables present summarized financial data of SAIC-GMAC: Summarized Balance Sheet Data (a) : December 31, 2016 December 31, 2015 Finance receivables, net $ 10,408 $ 9,617 Total assets $ 11,089 $ 9,802 Debt $ 6,681 $ 5,789 Total liabilities $ 9,330 $ 7,973 Years Ended December 31, Summarized Operating Data (a) : 2016 2015 Finance charge income $ 940 $ 971 Provision for loan losses $ 18 $ 45 Interest expense $ 257 $ 338 Income before income taxes $ 570 $ 463 Net income $ 428 $ 347 _________________ (a) This data represents that of the entire entity and not our 35% proportionate share.

Debt

Debt	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Debt	Debt December 31, 2016 December 31, 2015 Carrying Amount Fair Value Carrying Amount Fair Value Secured debt Revolving credit facilities $ 9,817 $ 9,812 $ 7,548 $ 7,494 Securitization notes payable 29,453 29,545 23,141 23,177 Total secured debt $ 39,270 $ 39,357 $ 30,689 $ 30,671 Unsecured debt Senior notes $ 28,577 $ 29,182 $ 18,973 $ 19,045 Credit facilities 3,354 3,354 2,759 2,753 Retail customer deposits 1,895 1,902 1,260 1,262 Other unsecured debt 780 782 665 666 Total unsecured debt $ 34,606 $ 35,220 $ 23,657 $ 23,726 Total Secured and Unsecured debt $ 73,876 $ 74,577 $ 54,346 $ 54,397 Fair value utilizing Level 2 inputs $ 69,990 $ 48,716 Fair value utilizing Level 3 inputs $ 4,587 $ 5,681 The fair value of our debt measured utilizing Level 2 inputs was based on quoted market prices for identical instruments and if unavailable, quoted market prices of similar instruments. For debt that has terms of one year or less or has been priced within the last six months, the carrying amount or par value is considered to be a reasonable estimate of fair value. The fair value of our debt measured utilizing Level 3 inputs was based on the discounted future net cash flows expected to be settled using current risk-adjusted rates. Secured Debt Most of the secured debt was issued by variable interest entities, as further discussed in Note 9 - "Variable Interest Entities." This debt is repayable only from proceeds related to the underlying pledged assets. The weighted average interest rate on secured debt was 2.09% at December 31, 2016 . Issuance costs on the secured debt of $89 million as of December 31, 2016 and $76 million as of December 31, 2015 are amortized to interest expense over the expected term of the secured debt. The terms of our revolving credit facilities provide for a revolving period and subsequent amortization period, and are expected to be repaid over periods ranging up to six years . During 2016 , we entered into new credit facilities or renewed credit facilities with a total net additional borrowing capacity of $4.0 billion . Securitization notes payable at December 31, 2016 are due beginning in 2018 through 2024 . During 2016 , we issued securitization notes payable of $16.9 billion with a weighted-average interest rate of 1.7% . Unsecured Debt Senior Notes At December 31, 2016 , we had $29.0 billion par value outstanding in senior notes that mature from 2017 through 2026 and have a weighted average interest rate of 3.33% . Issuance costs on senior notes of $115 million as of December 31, 2016 and $107 million as of December 31, 2015 are amortized to interest expense over the term of the notes. During 2016 , our top-tier holding company issued $10.3 billion in senior notes comprised of $9.6 billion of fixed rate notes with a weighted average coupon of 3.38% and $650 million in floating rate notes. These notes mature beginning in May 2019 through October 2026 . All of these notes are guaranteed by AmeriCredit Financial Services, Inc. ("AFSI"). In May 2016, one of our European subsidiaries issued € 500 million of 1.168% notes under our Euro medium term notes program. These notes are due in May 2020 and are guaranteed by our top-tier holding company and AFSI. In November 2016, one of our European subsidiaries issued € 100 million in floating rate notes under our Euro medium term notes program. These notes are due in December 2017 and are guaranteed by our top-tier holding company and AFSI. Subsequent to December 31, 2016, our top-tier holding company issued $2.5 billion in senior notes comprised of $1.25 billion of 3.45% notes due in January 2022 , $750 million of 4.35% notes due in January 2027 and $500 million of floating rate notes due in January 2022 . All of these notes are guaranteed solely by AFSI. Senior notes issued by our top-tier holding company are guaranteed solely by AFSI; none of our other subsidiaries are guarantors of our senior notes. Refer to Note 20 - "Guarantor Consolidating Financial Statements" to our consolidated financial statements for further discussion. Credit Facilities and Other Unsecured Debt We use unsecured credit facilities with banks as well as non-bank instruments as funding sources, primarily in the International Segment. During 2016 , we increased net borrowing capacity on unsecured committed credit facilities by $22 million . The terms of advances under our unsecured credit facilities are determined and agreed to by us and the lender on the borrowing date for each advance and can have maturities up to five years . The weighted average interest rate on credit facilities and other unsecured debt was 7.50% at December 31, 2016 . Retail Customer Deposits During 2015, we began accepting deposits from retail banking customers in Germany. Following is summarized information for our deposits at December 31, 2016 and 2015 : December 31, 2016 December 31, 2015 Outstanding Balance Weighted Average Interest Rate Outstanding Balance Weighted Average Interest Rate Overnight deposits $ 799 0.50 % $ 555 1.00 % Term deposits -12 months 423 0.93 % 337 1.32 % Term deposits - 24 months 281 1.26 % 123 1.44 % Term deposits - 36 months 392 1.48 % 245 1.65 % Total deposits $ 1,895 0.91 % $ 1,260 1.25 % Contractual Debt Obligations The following table presents the expected scheduled principal and interest payments under our contractual debt obligations: Years Ending December 31, 2017 2018 2019 2020 2021 Thereafter Total Secured debt $ 21,268 $ 11,573 $ 4,880 $ 1,264 $ 348 $ — $ 39,333 Unsecured debt 7,328 4,167 6,351 4,650 4,750 7,791 35,037 Interest payments 1,624 1,204 799 573 376 793 5,369 $ 30,220 $ 16,944 $ 12,030 $ 6,487 $ 5,474 $ 8,584 $ 79,739 Compliance with Debt Covenants Several of our revolving credit facilities require compliance with certain financial and operational covenants as well as regular reporting to lenders, including providing certain subsidiary financial statements. Certain of our secured debt agreements also contain various covenants, including maintaining portfolio performance ratios as well as limits on deferment levels. Our unsecured senior notes contain covenants including limitations on our ability to incur certain liens. At December 31, 2016 , we were in compliance with these debt covenants.

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2016
Noncontrolling Interest [Abstract]
Variable Interest Entities	Variable Interest Entities Securitizations and credit facilities The following table summarizes the assets and liabilities related to our consolidated VIEs: December 31, 2016 2015 Restricted cash (a) $ 2,067 $ 1,876 Finance receivables, net of fees $ 29,661 $ 24,942 Lease related assets $ 19,341 $ 11,684 Secured debt $ 38,244 $ 29,386 _______________ (a) Included in other assets in the consolidated balance sheets. These amounts are related to securitization and credit facilities held by consolidated VIEs. Our continuing involvement with these VIEs consists of servicing assets held by the entities and holding residual interests in the entities. We have determined that we are the primary beneficiary of each VIE because we hold both (i) the power to direct the activities of the VIEs that most significantly impact the VIEs' economic performance and (ii) the obligation to absorb losses from and the right to receive benefits of the VIEs that could potentially be significant to the VIEs. We are not required, and do not currently intend, to provide any additional financial support to these VIEs. Liabilities recognized as a result of consolidating these entities generally do not represent claims against us or our other subsidiaries and assets recognized generally are for the benefit of these entities operations and cannot be used to satisfy our or our subsidiaries obligations. Other VIEs We consolidate certain operating entities that provide auto finance and financial services, which we do not control through a majority voting interest. We manage these entities and maintain a controlling financial interest in them and are exposed to the risks of ownership through contractual arrangements. The majority voting interests in these entities are indirectly wholly-owned by our parent, GM. The amounts presented below are stated prior to intercompany eliminations and include amounts related to securitizations and credit facilities held by consolidated VIEs. The following table summarizes the assets and liabilities of these VIEs: December 31, 2016 2015 Assets (a) $ 4,251 $ 3,652 Liabilities (b) $ 3,559 $ 2,941 _______________ (a) Comprised primarily of finance receivables, net of $3.5 billion and $3.2 billion at December 31, 2016 and 2015 . (b) Comprised primarily of debt of $3.0 billion and $2.6 billion at December 31, 2016 and 2015 . The following table summarizes the revenue and net income of these VIEs: Years Ended December 31, 2016 2015 2014 Total revenue $ 210 $ 191 $ 192 Net income $ 29 $ 29 $ 28 Other transfers of finance receivables Under certain debt agreements, we transfer finance receivables to entities which we do not control through majority voting interest or through contractual arrangements. These transfers do not meet the criteria to be considered sales under U.S. GAAP; therefore, the finance receivables and the related debt are included in our consolidated financial statements, similar to the treatment of finance receivables and related debt of our consolidated VIEs. Any collections received on the transferred receivables are available only for the repayment of the related debt. At December 31, 2016 and 2015, $1.2 billion and $1.5 billion in finance receivables had been transferred in secured funding arrangements to third-party banks, to which $1.1 billion and $1.4 billion in secured debt was outstanding.

Derivative Financial Instrument

Derivative Financial Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments and Hedging Activities	Derivative Financial Instruments and Hedging Activities Derivative financial instruments consist of the following: December 31, 2016 December 31, 2015 Level Notional Fair Value Notional Fair Value Derivatives designated as hedges Assets Fair value hedges Interest rate swaps 2 $ — $ — $ — $ — Cash flow hedges Interest rate swaps 2,3 3,542 12 — — Foreign currency swaps 2 — — — — Total assets (a) $ 3,542 $ 12 $ — $ — Liabilities Fair value hedges Interest rate swaps 2 $ 7,700 $ 276 $ 1,000 $ 6 Cash flow hedges Interest rate swaps 2,3 1,280 3 — — Foreign currency swaps 2 791 33 — — Total liabilities (b) $ 9,771 $ 312 $ 1,000 $ 6 Derivatives not designated as hedges Assets Interest rate swaps 2,3 $ 8,667 $ 55 $ 4,122 $ 8 Interest rate caps and floors 2 10,469 26 6,327 19 Foreign currency swaps 2 1,576 78 1,460 48 Total assets (a) $ 20,712 $ 159 $ 11,909 $ 75 Liabilities Interest rate swaps 2,3 $ 8,337 $ 36 $ 8,041 $ 24 Interest rate caps and floors 2 12,146 26 5,892 19 Foreign currency swaps 2 119 2 — — Total liabilities (b) $ 20,602 $ 64 $ 13,933 $ 43 _________________ (a) Included in other assets in the consolidated balance sheets. (b) Included in other liabilities in the consolidated balance sheets. Amounts accrued for interest payments in a net receivable position are included in other assets in the consolidated balance sheets. The fair value for Level 2 instruments was derived using the market approach based on observable market inputs including quoted prices of similar instruments and foreign exchange and interest rate forward curves. The fair value for Level 3 instruments was derived using the income approach based on a discounted cash flow model, in which expected cash flows are discounted using current risk-adjusted rates. The activity for interest rate swap agreements measured at fair value on a recurring basis using significant unobservable inputs (Level 3) was insignificant for 2016 , 2015 and 2014 . The following table presents information on the gains (losses) on derivative instruments included in the consolidated statements of income and comprehensive income: Income (Losses) Recognized In Income Years Ended December 31, 2016 2015 2014 Fair value hedges Interest rate contracts (a)(b) $ (7 ) $ 1 $ — Cash flow hedges Interest rate contracts (a) (4 ) — — Foreign currency contracts (c) 39 — — Derivatives not designated as hedges Interest rate contracts (a) 14 (15 ) (51 ) Foreign currency derivatives (c)(d) 109 42 163 Total $ 151 $ 28 $ 112 Gains (Losses) Recognized In Accumulated Other Comprehensive Loss Years Ended December 31, 2016 2015 2014 Cash flow hedges Interest rate contracts $ 4 $ — $ — Foreign currency contracts (20 ) — — Total $ (16 ) $ — $ — Gains Reclassified From Accumulated Other Comprehensive Loss Into Income Years Ended December 31, 2016 2015 2014 Cash flow hedges Interest rate contracts $ 2 $ — $ — Foreign currency contracts 31 — — Total $ 33 $ — $ — _________________ (a) Recognized in earnings as interest expense. (b) Includes hedge ineffectiveness which reflects the net change in the fair value of interest rate contracts of $322 million offset by the change in fair value of hedged debt attributable to the hedged risk of $287 million . (c) Recognized in earnings as other operating expenses and interest expense. (d) Activity is offset by translation activity (included in other operating expenses) related to foreign currency-denominated loans.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Leases We lease space for our operating facilities and administrative offices under leases with terms up to 10 years with renewal options. Certain leases contain lease escalation clauses for real estate taxes and other operating expenses and renewal option clauses calling for increased rents. A summary of lease expense and operating lease commitments are as follows: Years Ended December 31, 2016 2015 2014 Lease expense $ 30 $ 28 $ 28 Years Ending December 31, 2017 2018 2019 2020 2021 Thereafter Total Operating lease commitments $ 38 $ 45 $ 41 $ 37 $ 35 $ 161 $ 357 Concentrations of Credit Risk Financial instruments which potentially subject us to concentrations of credit risk are primarily cash equivalents, restricted cash, derivative financial instruments and retail finance receivables. Our cash equivalents and restricted cash represent investments in highly rated securities placed through various major financial institutions. The counterparties to our derivative financial instruments are various major financial institutions. Retail finance receivables in the North America Segment represent contracts with customers residing throughout the U.S. and Canada, with borrowers located in Texas accounting for 16.0% of the portfolio as of December 31, 2016 . No other state accounted for more than 10% of retail finance receivables. Retail finance receivables in the International Segment represent contracts with customers residing throughout Europe and Latin America. Borrowers located in the U.K., Germany, Brazil and Mexico accounted for 25.3% , 20.6% , 20.1% , and 16.4% of the international retail finance receivables as of December 31, 2016 . No other country accounted for more than 10% of retail finance receivables. At December 31, 2016 , substantially all of our commercial finance receivables represent loans to GM-franchised dealerships and their affiliates. Guarantees of Indebtedness The payments of principal and interest on senior notes issued by our top-tier holding company, our primary Canadian operating subsidiary and a European subsidiary are guaranteed by our primary U.S. operating subsidiary, AFSI. At December 31, 2016 , the par value of our senior notes was $29.0 billion . Refer to Note 20 - "Guarantor Consolidating Financial Statements" to our consolidated financial statement in this Form 10-K for further discussion. Legal Proceedings As a retail finance company, we are subject to various customer claims and litigation seeking damages and statutory penalties, based upon, among other things, usury, disclosure inaccuracies, wrongful repossession, violations of bankruptcy stay provisions, certificate of title disputes, fraud, breach of contract and discriminatory treatment of credit applicants. Some litigation against us could take the form of class action complaints by customers and certain legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. We establish reserves for legal claims when payments associated with the claims become probable and the payments can be reasonably estimated. Given the inherent difficulty of predicting the outcome of litigation and regulatory matters, it is generally very difficult to predict what the eventual outcome will be, and when the matter will be resolved. The actual costs of resolving legal claims may be higher or lower than any amounts reserved for the claims. At December 31, 2016 , we estimated our reasonably possible legal exposure for unfavorable outcomes of up to $96 million , and have accrued $35 million . In July 2014, we were served with a subpoena by the U.S. Department of Justice directing us to produce certain documents relating to our and our subsidiaries’ and affiliates’ origination and securitization of sub-prime automobile loans since 2007 in connection with an investigation by the U.S. Department of Justice in contemplation of a civil proceeding for potential violations of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. Among other matters, the subpoena requests information relating to the underwriting criteria used to originate these automobile loans and the representations and warranties relating to those underwriting criteria that were made in connection with the securitization of the automobile loans. We have subsequently been served with additional investigative subpoenas to produce documents from state attorneys general and other governmental offices relating to our retail auto loan business and securitization of auto loans. These investigations are ongoing and could in the future result in the imposition of damages, fines or civil or criminal claims and/or penalties. No assurance can be given that the ultimate outcome of the investigations or any resulting proceedings would not materially and adversely affect us or any of our subsidiaries and affiliates. Other Administrative Tax Matters We accrue non-income tax liabilities for contingencies when management believes that a loss is probable and the amounts can be reasonably estimated, while contingent gains are recognized only when realized. In the event any losses are sustained in excess of accruals, they will be charged against income at that time. In evaluating indirect tax matters, we take into consideration factors such as our historical experience with matters of similar nature, specific facts and circumstances, and the likelihood of prevailing. We reevaluate and update our accruals as matters progress over time. Where there is a reasonable possibility that losses exceeding amounts already recognized may be incurred, our estimate of the additional range of loss is up to $35 million .

Parent Company Stock-Based Comp

Parent Company Stock-Based Compensation	12 Months Ended
	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Parent Stock-Based Compensation	Parent Company Stock-Based Compensation GM grants to certain employees and key executive officers Restricted Stock Units (“RSUs”), Performance-based Share Units (“PSUs”) and stock options. Shares awarded under the plans are subject to forfeiture if the participant leaves the company for reasons other than those permitted under the plans, such as retirement, death or disability. RSU awards granted either cliff vest or ratably vest generally over a three -year service period, as defined in the terms for each award. PSU awards generally vest at the end of a three -year performance period based on performance criteria determined by the Executive Compensation Committee of the GM Board of Directors at the time of award. The number of shares earned may equal, exceed or be less than the targeted number of shares depending on whether the performance criteria are met, surpassed or not met. The following table summarizes information about RSU, PSUs and stock options granted to our employees and key executive officers under GM's stock-based compensation programs (units in thousands): Year Ended December 31, 2016 Shares Weighted-Average Grant Date Fair Value Weighted-Average Remaining Contractual Term (years) Units outstanding at January 1, 2016 2,302 $ 34.61 1.3 Granted 1,057 $ 31.50 Settled (501 ) $ 34.95 Forfeited or expired (31 ) $ 33.93 Units outstanding at December 31, 2016 2,827 $ 32.89 1.1 Units unvested and expected to vest at December 31, 2016 1,926 $ 33.05 1.1 Units vested and payable at December 31, 2016 821 $ 32.51 The following table summarizes compensation expense recorded for stock-based incentive plans: Years Ended December 31, 2016 2015 2014 Compensation expense $ 48 $ 36 $ 19 Income tax benefit 19 13 8 Compensation expense, net of tax $ 29 $ 23 $ 11 At December 31, 2016 , total unrecognized compensation expense for nonvested equity awards granted was $42 million . This expense is expected to be recorded over a weighted-average period of 1.1 years . The total fair value of RSUs and PSUs vested in 2016 , 2015 , and 2014 was $16 million , $13 million and $9 million . In 2016 , 2015 , and 2014 , total payments for 49,000 , 254,000 and 359,000 RSUs settled in cash under stock incentive plans were $2 million , $9 million and $13 million .

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Employee Benefit Plans We have defined contribution retirement plans covering substantially all employees in the North America Segment as well as in Brazil and the U.K. We recognized $20 million , $17 million and $12 million in compensation expense for 2016, 2015, and 2014 related to these plans. Contributions to the plans were made in cash. Certain employees in the International Segment are eligible to participate in plans that provide for pension payments upon retirement based on factors such as length of service and salary. The associated liability was $118 million and $109 million at December 31, 2016 and 2015 . We recognized $6 million in net periodic pension expense in each of 2016, 2015, and 2014 .

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The following table summarizes income before income taxes and equity income: Years Ended December 31, 2016 2015 2014 U.S. income $ 336 $ 362 $ 481 Non-U.S. income 426 359 334 Income before income taxes and equity income $ 762 $ 721 $ 815 Income Tax Expense Years Ended December 31, 2016 2015 2014 Current income tax expense U.S. federal $ (1 ) $ 13 $ 284 U.S. state and local — (5 ) 14 Non-U.S. 118 51 63 Total current 117 59 361 Deferred income tax expense U.S. federal 20 95 (87 ) U.S. state and local 13 6 (5 ) Non-U.S. 9 31 9 Total deferred 42 132 (83 ) Total income tax provision $ 159 $ 191 $ 278 Provisions are made for estimated U.S. and non-U.S. income taxes, less available tax credits and deductions, which may be incurred on the remittance of our basis differences in investments in foreign subsidiaries not deemed to be indefinitely reinvested. Taxes have not been provided on basis differences in investments as a result of earnings in foreign subsidiaries which are deemed indefinitely reinvested of $5 million and $21 million at December 31, 2016 and 2015 . Quantification of the deferred tax liability, if any, associated with indefinitely reinvested basis differences is not practicable. The following table summarizes a reconciliation of income tax expense (benefit) compared with the amounts at the U.S. federal statutory income tax rate: Years Ended December 31, 2016 2015 2014 U.S. statutory tax rate 35.0 % 35.0 % 35.0 % Non-U.S. income taxed at other than 35% (2.6 ) (3.2 ) (2.2 ) State and local income taxes 2.0 0.9 1.2 U.S. tax on non-U.S. earnings (10.7 ) (3.2 ) 7.2 Valuation allowance 7.4 7.1 (4.9 ) Tax credits and incentives (9.9 ) (6.6 ) (0.8 ) Other (0.3 ) (3.5 ) (1.5 ) Effective tax rate 20.9 % 26.5 % 34.0 % Deferred Income Tax Assets and Liabilities Deferred income tax assets and liabilities at December 31, 2016 and 2015 reflect the effect of temporary differences between amounts of assets, liabilities and equity for financial reporting purposes and the basis of such assets, liabilities and equity as measured by tax laws, as well as tax loss and tax credit carryforwards. The following table summarizes the components of temporary differences and carryforwards that give rise to deferred tax assets and liabilities: December 31, 2016 December 31, 2015 Deferred tax assets Net operating loss carryforward - U.S. (a) $ 1,049 $ 409 Net operating loss carryforward - Non-U.S. (b) 202 189 Market value difference of loan portfolio 105 166 Accruals 135 107 Tax Credits (c) 388 131 Other 113 113 Total deferred tax assets before valuation allowance 1,992 1,115 Less: valuation allowance (166 ) (104 ) Total deferred tax assets 1,826 1,011 Deferred tax liabilities Depreciable assets 1,470 645 Deferred acquisition costs 183 116 Other 119 148 Total deferred tax liabilities 1,772 909 Net deferred tax asset $ 54 $ 102 _________________ (a) Includes tax-effected operating losses of $1.0 billion expiring through 2037 at December 31, 2016 . (b) Includes tax-effected operating losses of $105 million expiring through 2037 and $97 million that may be carried forward indefinitely at December 31, 2016 . (c) Includes tax credits of $388 million expiring through 2037 at December 31, 2016 . We are included in GM’s consolidated U.S. federal income tax return and certain states’ income tax returns. Net operating losses and certain tax credits generated by us have been utilized by GM; however, income tax expense and deferred tax balances are presented in these financial statements as if we filed our own tax returns in each jurisdiction. As of December 31, 2016 , we have $22 million in valuation allowances against deferred tax assets in non-U.S. jurisdictions and $144 million in valuation allowances against deferred tax assets in U.S. jurisdictions. The increase in our valuation allowance of $62 million is primarily related to 2016 U.S. foreign tax credits of $91 million that we do not expect to utilize within the carryforward period partially offset by the release of a $19 million valuation allowance on deferred tax assets in Italy. During 2016 we concluded it was more likely than not that our future earnings in Italy will be sufficient to realize the deferred tax asset so a full valuation allowance is no longer needed. Accordingly we reversed the Italy valuation allowance and recorded an income tax benefit. Uncertain Tax Positions Years Ended December 31, 2016 2015 2014 Beginning balance $ 61 $ 95 $ 130 Additions to prior years' tax positions 4 — 1 Reductions to prior years' tax positions (6 ) (7 ) (12 ) Additions to current year tax positions 2 1 7 Reductions in tax positions due to lapse of statutory limitations (5 ) (16 ) (6 ) Settlements — (2 ) (20 ) Foreign currency translation 3 (10 ) (5 ) Ending balance $ 59 $ 61 $ 95 At December 31, 2016, 2015, and 2014 , there were $38 million , $35 million and $71 million of net unrecognized tax benefits that, if recognized, would favorably affect the effective tax rate. We recognize accrued interest and penalties associated with uncertain tax positions as a component of the income tax provision. Accrued interest and penalties are included within the related tax liability line on the consolidated balance sheets. During 2014 , we recorded income tax related interest benefit and penalties of $12 million . The amounts recorded in 2015 and 2016 were insignificant. At December 31, 2016 and 2015 we had liabilities of $83 million and $75 million for income tax-related interest and penalties. At December 31, 2016, it is not possible to reasonably estimate the expected change to the total amount of unrecognized tax benefits in the next twelve months. Periodically, we make deposits to taxing jurisdictions which reduce our unrecognized tax benefit balance, but are not reflected in the reconciliation above. The amounts of deposits that reduce our unrecognized tax benefit liability in the consolidated balance sheets were $15 million and $12 million at December 31, 2016 and 2015 . Other Matters Since October 1, 2010, we have been included in GM's consolidated U.S. federal income tax returns. For taxable income we recognize in any period beginning on or after October 1, 2010, we are obligated to pay GM for our share of the consolidated U.S. federal and certain state tax liabilities. Amounts owed to GM for income taxes are accrued and recorded as a related party payable. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2010 through 2014 were deferred for four years from their original due date. During 2015, the outstanding balance was converted to and treated as a capital contribution. At December 31, 2016 and 2015 , there were no related party taxes payable due to GM due to our taxable loss position. Income tax returns are filed in multiple jurisdictions and are subject to examination by taxing authorities throughout the world. We have open tax years from 2010 to 2016 with various tax jurisdictions. These open years contain matters that could be subject to differing interpretations of applicable tax laws and regulations as they relate to the amount, character, timing or inclusion of revenue and/or recognition of expenses, or the sustainability of income tax credits. Certain of our state and foreign tax returns are currently under examination in various jurisdictions.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	12 Months Ended
	Dec. 31, 2016
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information Cash payments for interest costs and income taxes consist of the following: Years Ended December 31, 2016 2015 2014 Interest costs (none capitalized) $ 1,857 $ 1,295 $ 1,120 Income taxes $ 120 $ 84 $ 127 Non-cash investing items consist of the following: Years Ended December 31, 2016 2015 2014 Subvention receivable from GM $ 373 $ 383 $ 189 Commercial loan funding payable to GM $ 389 $ 351 $ 427

Segment Reporting and Geographi

Segment Reporting and Geographic Information	12 Months Ended
	Dec. 31, 2016
Segment Reporting [Abstract]
Segment Reporting and Geographic Information	Segment Reporting and Geographic Information We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment and the International Segment. The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in all other countries. Our chief operating decision maker evaluates the operating results and performance of our business based on these operating segments. The management of each segment is responsible for executing our strategies. For segment reporting purposes only, interest expense related to the senior notes has been allocated based on targeted leverage for each segment. Interest expense in excess of the targeted overall leverage is reflected in the "Corporate" column below. In addition, the interest income on intercompany loans provided to the international operations is presented in the "Corporate" column as revenue. Key operating data for our operating segments were as follows: Year Ended December 31, 2016 North America International Corporate Eliminations Total Total revenue $ 7,948 $ 1,610 $ (1 ) $ 1 $ 9,558 Operating expenses 891 599 — — 1,490 Leased vehicle expenses 4,499 30 — — 4,529 Provision for loan losses 566 103 — — 669 Interest expense 1,481 626 — 1 2,108 Equity income — 151 — — 151 Income (loss) before income taxes $ 511 $ 403 $ (1 ) $ — $ 913 Year Ended December 31, 2015 North America International Corporate Eliminations Total Total revenue $ 4,777 $ 1,677 $ 13 $ (13 ) $ 6,454 Operating expenses 735 558 — — 1,293 Leased vehicle expenses 2,190 10 — — 2,200 Provision for loan losses 466 158 — — 624 Interest expense 833 722 74 (13 ) 1,616 Equity income — 116 — — 116 Income (loss) before income taxes $ 553 $ 345 $ (61 ) $ — $ 837 Year Ended December 31, 2014 North America International Corporate Eliminations Total Total revenue $ 2,909 $ 1,945 $ 56 $ (56 ) $ 4,854 Operating expenses 542 620 — — 1,162 Leased vehicle expenses 843 4 — — 847 Provision for loan losses 472 132 — — 604 Interest expense 459 954 69 (56 ) 1,426 Income (loss) before income taxes $ 593 $ 235 $ (13 ) $ — $ 815 December 31, 2016 December 31, 2015 North America International Total North America International Total Finance receivables, net $ 27,617 $ 15,573 $ 43,190 $ 21,558 $ 15,223 $ 36,781 Leased vehicles, net $ 34,284 $ 242 $ 34,526 $ 20,086 $ 86 $ 20,172 Total assets $ 68,656 $ 19,109 $ 87,765 $ 47,419 $ 18,485 $ 65,904 Geographic Information At and For the Years Ended December 31, 2016 2015 2014 Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) U.S. $ 7,440 $ 32,506 $ 4,324 $ 18,501 $ 2,552 $ 5,477 Canada 508 1,982 453 1,731 357 1,635 Brazil 652 3 757 3 964 4 Other countries (b) 958 314 920 156 981 116 Total consolidated $ 9,558 $ 34,805 $ 6,454 $ 20,391 $ 4,854 $ 7,232 _________________ (a) Long-lived assets includes $34.5 billion , $20.2 billion and $7.1 billion of vehicles on operating leases at December 31, 2016, 2015, and 2014 . (b) No individual country represents more than 10% of our total revenue or long-lived assets.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Loss	Accumulated Other Comprehensive Loss Years Ended December 31, 2016 2015 2014 Unrealized gain on cash flow hedges Beginning balance $ — $ — $ — Change in value of cash flow hedges, net of tax 17 — — Ending balance 17 — — Defined benefit plans Beginning balance (13 ) (11 ) 3 Unrealized loss on subsidiary pension, net of tax (7 ) (2 ) (14 ) Ending balance (20 ) (13 ) (11 ) Foreign currency translation adjustment Beginning balance (1,091 ) (422 ) 8 Translation loss, net of tax (144 ) (669 ) (430 ) Ending balance (1,235 ) (1,091 ) (422 ) Total accumulated other comprehensive loss $ (1,238 ) $ (1,104 ) $ (433 )

Regulatory Capital and Other Re

Regulatory Capital and Other Regulatory Matters	12 Months Ended
	Dec. 31, 2016
Regulatory Capital and Other Regulatory Matters [Abstract]
Regulatory Capital and Other Regulatory Matters	Regulatory Capital and Other Regulatory Matters We are required to comply with a wide variety of laws and regulations. The International Segment includes the operations of certain stand-alone entities that operate in local markets as either banks or regulated finance companies and are subject to regulatory restrictions. These regulatory restrictions, among other things, require that these entities meet certain minimum capital requirements and may restrict dividend distributions and ownership of certain assets. We were in compliance with all regulatory capital requirements as most recently reported. The following table lists the most recently reported minimum statutory capital requirements and the actual statutory capital for our significant regulated international banks by country: Minimum Capital Requirement Actual Capital Germany 8.6 % 17.2 % Brazil 11.0 % 16.9 % Total assets of our regulated international banks and finance companies were approximately $12.6 billion and $11.1 billion at December 31, 2016 and 2015 .

Quarterly Financial Data (unaud

Quarterly Financial Data (unaudited)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Data [Abstract]
Quarterly Financial Data (unaudited)	Quarterly Financial Data (unaudited) The following tables summarize supplementary quarterly financial information: First Quarter Second Quarter Third Quarter Fourth Quarter 2016 Total revenue $ 2,075 $ 2,292 $ 2,499 $ 2,692 Income before income taxes $ 225 $ 266 $ 228 $ 194 Net income $ 164 $ 189 $ 147 $ 254 2015 Total revenue $ 1,354 $ 1,515 $ 1,707 $ 1,878 Income before income taxes $ 214 $ 225 $ 231 $ 167 Net income $ 150 $ 186 $ 179 $ 131

Guarantor Consolidating Financi

Guarantor Consolidating Financial Statements	12 Months Ended
	Dec. 31, 2016
Guarantor Consolidating Financial Statements [abstract]
Guarantor Consolidating Financial Statements	Guarantor Consolidating Financial Statements The payment of principal and interest on senior notes issued by our top-tier holding company is currently guaranteed solely by AFSI (the "Guarantor") and none of our other subsidiaries (the "Non-Guarantor Subsidiaries"). The Guarantor is a 100% owned consolidated subsidiary and is unconditionally liable for the obligations represented by the senior notes. The Guarantor’s guarantee may be released only upon customary circumstances, the terms of which vary by issuance. Customary circumstances include the sale or disposition of all of the Guarantor’s assets or capital stock, the achievement of investment grade rating of the senior notes and legal or covenant defeasance. The consolidating financial statements present consolidating financial data for (i) General Motors Financial Company, Inc. (on a parent-only basis), (ii) the Guarantor, (iii) the combined Non-Guarantor Subsidiaries and (iv) the parent company and our subsidiaries on a consolidated basis at December 31, 2016 and December 31, 2015 and for the years ended December 31, 2016, 2015, and 2014 (after the elimination of intercompany balances and transactions). Investments in subsidiaries are accounted for by the parent company using the equity method for purposes of this presentation. Results of operations of subsidiaries are therefore reflected in the parent company's investment accounts and earnings. The principal elimination entries set forth below eliminate investments in subsidiaries and intercompany balances and transactions. CONSOLIDATING BALANCE SHEET December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 2,284 $ 917 $ — $ 3,201 Finance receivables, net — 4,969 38,221 — 43,190 Leased vehicles, net — — 34,526 — 34,526 Goodwill 1,095 — 101 — 1,196 Equity in net assets of non-consolidated affiliates — — 944 — 944 Property and equipment, net — 152 127 — 279 Deferred income taxes 502 89 274 (591 ) 274 Related party receivables — 25 485 — 510 Other assets 4 643 3,167 (169 ) 3,645 Due from affiliates 24,548 16,065 — (40,613 ) — Investment in affiliates 8,986 6,445 — (15,431 ) — Total assets $ 35,135 $ 30,672 $ 78,762 $ (56,804 ) $ 87,765 LIABILITIES AND SHAREHOLDER'S EQUITY Liabilities Secured debt $ — $ — $ 39,439 $ (169 ) $ 39,270 Unsecured debt 26,076 — 8,530 — 34,606 Accounts payable and accrued expenses 302 273 899 — 1,474 Deferred income — — 2,365 — 2,365 Deferred income taxes — — 811 (591 ) 220 Related party payables 1 — 399 — 400 Other liabilities 63 417 257 — 737 Due to affiliates — 24,437 16,176 (40,613 ) — Total liabilities 26,442 25,127 68,876 (41,373 ) 79,072 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,505 79 5,345 (5,424 ) 6,505 Accumulated other comprehensive loss (1,238 ) (161 ) (1,223 ) 1,384 (1,238 ) Retained earnings 3,426 5,627 5,066 (10,693 ) 3,426 Total shareholder's equity 8,693 5,545 9,886 (15,431 ) 8,693 Total liabilities and shareholder's equity $ 35,135 $ 30,672 $ 78,762 $ (56,804 ) $ 87,765 CONSOLIDATING BALANCE SHEET December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Finance receivables, net — 4,808 31,973 — 36,781 Leased vehicles, net — — 20,172 — 20,172 Goodwill 1,095 — 94 — 1,189 Equity in net assets of non-consolidated affiliates — — 986 — 986 Property and equipment, net — 41 178 — 219 Deferred income taxes 212 — 179 (160 ) 231 Related party receivables — 27 546 — 573 Other assets 32 92 2,568 — 2,692 Due from affiliates 15,573 7,556 — (23,129 ) — Investment in affiliates 8,476 6,425 — (14,901 ) — Total assets $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 LIABILITIES AND SHAREHOLDER'S EQUITY Liabilities Secured debt $ — $ — $ 30,689 $ — $ 30,689 Unsecured debt 17,087 — 6,570 — 23,657 Accounts payable and accrued expenses 181 717 320 — 1,218 Deferred income — — 1,454 — 1,454 Deferred income taxes — 289 — (160 ) 129 Related party payables — — 362 — 362 Other liabilities 68 34 241 — 343 Due to affiliates — 15,495 7,634 (23,129 ) — Total liabilities 17,336 16,535 47,270 (23,289 ) 57,852 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,484 79 6,490 (6,569 ) 6,484 Accumulated other comprehensive loss (1,104 ) (175 ) (1,095 ) 1,270 (1,104 ) Retained earnings 2,672 4,769 4,135 (8,904 ) 2,672 Total shareholder's equity 8,052 4,673 10,228 (14,901 ) 8,052 Total liabilities and shareholder's equity $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 432 $ 2,897 $ — $ 3,329 Leased vehicle income — — 5,925 — 5,925 Other income (1 ) 883 97 (675 ) 304 Total revenue (1 ) 1,315 8,919 (675 ) 9,558 Costs and expenses Salaries and benefits — 597 256 — 853 Other operating expenses 2 200 837 (402 ) 637 Total operating expenses 2 797 1,093 (402 ) 1,490 Leased vehicle expenses — — 4,529 — 4,529 Provision for loan losses — 378 291 — 669 Interest expense 557 296 1,528 (273 ) 2,108 Total costs and expenses 559 1,471 7,441 (675 ) 8,796 Equity income 994 771 151 (1,765 ) 151 Income before income taxes 434 615 1,629 (1,765 ) 913 Income tax (benefit) provision (320 ) (89 ) 568 — 159 Net income $ 754 $ 704 $ 1,061 $ (1,765 ) $ 754 Comprehensive income $ 620 $ 718 $ 933 $ (1,651 ) $ 620 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 403 $ 2,978 $ — $ 3,381 Leased vehicle income — — 2,807 — 2,807 Other income 13 505 139 (391 ) 266 Total revenue 13 908 5,924 (391 ) 6,454 Costs and expenses Salaries and benefits — 332 394 — 726 Other operating expenses 64 105 649 (251 ) 567 Total operating expenses 64 437 1,043 (251 ) 1,293 Leased vehicle expenses — — 2,200 — 2,200 Provision for loan losses — 398 226 — 624 Interest expense 488 18 1,250 (140 ) 1,616 Total costs and expenses 552 853 4,719 (391 ) 5,733 Equity income 941 579 116 (1,520 ) 116 Income before income taxes 402 634 1,321 (1,520 ) 837 Income tax (benefit) provision (244 ) 25 410 — 191 Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Comprehensive (loss) income $ (25 ) $ 498 $ 225 $ (723 ) $ (25 ) CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2014 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 194 $ 3,281 $ — $ 3,475 Leased vehicle income — — 1,090 — 1,090 Other income 68 432 178 (389 ) 289 Total revenue 68 626 4,549 (389 ) 4,854 Costs and expenses Salaries and benefits — 249 365 — 614 Other operating expenses 159 (17 ) 657 (251 ) 548 Total operating expenses 159 232 1,022 (251 ) 1,162 Leased vehicle expenses — — 847 — 847 Provision for loan losses — 334 270 — 604 Interest expense 232 23 1,309 (138 ) 1,426 Total costs and expenses 391 589 3,448 (389 ) 4,039 Equity income 757 523 — (1,280 ) — Income before income taxes 434 560 1,101 (1,280 ) 815 Income tax (benefit) provision (103 ) 12 369 — 278 Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Comprehensive income $ 93 $ 491 $ 298 $ (789 ) $ 93 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 754 $ 704 $ 1,061 $ (1,765 ) $ 754 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 37 26 4,776 — 4,839 Accretion and amortization of loan and leasing fees — 17 (1,189 ) — (1,172 ) Amortization of carrying value adjustment — (3 ) (26 ) — (29 ) Undistributed earnings of non-consolidated affiliates, net (994 ) (771 ) (22 ) 1,765 (22 ) Provision for loan losses — 378 291 — 669 Deferred income taxes (313 ) (390 ) 745 — 42 Stock-based compensation expense 24 — 1 — 25 Other operating activities (299 ) 289 11 — 1 Changes in assets and liabilities: Other assets 18 (347 ) (114 ) — (443 ) Accounts payable and accrued expenses 117 (438 ) 535 — 214 Taxes payable (1 ) — (1 ) — (2 ) Related party payables — — 5 — 5 Net cash (used in) provided by operating activities (657 ) (535 ) 6,073 — 4,881 Cash flows from investing activities Purchases of retail finance receivables, net — (15,847 ) (20,080 ) 18,131 (17,796 ) Principal collections and recoveries on retail finance receivables — 1,542 11,630 — 13,172 Proceeds from transfer of retail finance receivables, net — 13,897 4,234 (18,131 ) — Net funding of commercial finance receivables — (191 ) (2,790 ) — (2,981 ) Purchases of leased vehicles, net — — (19,612 ) — (19,612 ) Proceeds from termination of leased vehicles — — 2,557 — 2,557 Purchases of property and equipment — (82 ) (25 ) — (107 ) Other investing activities — (169 ) (7 ) 169 (7 ) Net change in due from affiliates (8,966 ) (8,508 ) — 17,474 — Net change in investment in affiliates 339 787 — (1,126 ) — Net cash used in investing activities (8,627 ) (8,571 ) (24,093 ) 16,517 (24,774 ) Cash flows from financing activities Net change in debt (original maturities less than three months) 8 — 772 — 780 Borrowings and issuance of secured debt — — 29,590 (169 ) 29,421 Payments on secured debt — — (20,266 ) — (20,266 ) Borrowings and issuance of unsecured debt 10,320 — 2,962 — 13,282 Payments on unsecured debt (1,000 ) — (1,837 ) — (2,837 ) Borrowings on related party line of credit 418 — — — 418 Payments on related party line of credit (418 ) — — — (418 ) Net capital contributions — — (1,126 ) 1,126 — Debt issuance costs (44 ) — (102 ) — (146 ) Net change in due to affiliates — 9,071 8,403 (17,474 ) — Net cash provided by financing activities 9,284 9,071 18,396 (16,517 ) 20,234 Net increase in cash, cash equivalents and restricted cash — (35 ) 376 — 341 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (41 ) — (41 ) Cash, cash equivalents and restricted cash at beginning of period — 2,319 2,683 — 5,002 Cash, cash equivalents and restricted cash at end of period $ — $ 2,284 $ 3,018 $ — $ 5,302 The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 2,284 $ 917 $ — $ 3,201 Restricted cash included in other assets — — 2,101 — 2,101 Total cash, cash equivalents and restricted cash as presented in the consolidating statements of cash flows $ — $ 2,284 $ 3,018 $ — $ 5,302 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 28 3 2,372 — 2,403 Accretion and amortization of loan and leasing fees — 25 (634 ) — (609 ) Amortization of carrying value adjustment — (14 ) (135 ) — (149 ) Undistributed earnings of non-consolidated affiliates, net (941 ) (579 ) (116 ) 1,520 (116 ) Provision for loan losses — 398 226 — 624 Deferred income taxes (189 ) 2 319 — 132 Stock-based compensation expense 33 — 3 — 36 Other operating activities 32 (5 ) (64 ) — (37 ) Changes in assets and liabilities: Other assets (3 ) 25 (397 ) — (375 ) Accounts payable and accrued expenses 100 531 (349 ) — 282 Taxes payable (12 ) 1 (9 ) — (20 ) Related party taxes payable (636 ) — — — (636 ) Related party payables 1 — (14 ) — (13 ) Net cash (used in) provided by operating activities (941 ) 996 2,113 — 2,168 Cash flows from investing activities Purchases of retail finance receivables, net — (13,997 ) (16,981 ) 13,461 (17,517 ) Principal collections and recoveries on retail finance receivables — 755 10,971 — 11,726 Proceeds from transfer of retail finance receivables, net — 10,428 3,033 (13,461 ) — Net funding of commercial finance receivables — 6 (1,023 ) — (1,017 ) Purchases of leased vehicles, net — — (15,337 ) — (15,337 ) Proceeds from termination of leased vehicles — — 1,096 — 1,096 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (21 ) (69 ) — (90 ) Other investing activities — — 30 — 30 Net change in due from affiliates (8,819 ) (5,593 ) — 14,412 — Net change in investment in affiliates (6 ) (1,893 ) — 1,899 — Net cash used in investing activities (9,338 ) (10,726 ) (18,280 ) 16,311 (22,033 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 1,147 — 1,147 Borrowings and issuance of secured debt — — 22,385 — 22,385 Payments on secured debt — — (15,178 ) — (15,178 ) Borrowings and issuance of unsecured debt 9,687 — 3,290 — 12,977 Payments on unsecured debt — — (1,709 ) — (1,709 ) Net capital contributions 649 — 1,899 (1,899 ) 649 Debt issuance costs (58 ) — (97 ) — (155 ) Other 1 — — — 1 Net change in due to affiliates — 9,766 4,646 (14,412 ) — Net cash provided by financing activities 10,279 9,766 16,383 (16,311 ) 20,117 Net increase in cash, cash equivalents and restricted cash — 36 216 — 252 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (295 ) — (295 ) Cash, cash equivalents and restricted cash at beginning of period — 2,283 2,762 — 5,045 Cash, cash equivalents and restricted cash at end of period $ — $ 2,319 $ 2,683 $ — $ 5,002 The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Restricted cash included in other assets — 60 1,881 — 1,941 Total cash, cash equivalents and restricted cash as presented in the consolidating statements of cash flows $ — $ 2,319 $ 2,683 $ — $ 5,002 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2014 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 14 2 976 — 992 Accretion and amortization of loan and leasing fees — 4 (367 ) — (363 ) Amortization of carrying value adjustment — (4 ) (230 ) — (234 ) Undistributed earnings of non-consolidated affiliates, net (757 ) (523 ) — 1,280 — Provision for loan losses — 334 270 — 604 Deferred income taxes 1 127 (211 ) — (83 ) Stock-based compensation expense 18 — 1 — 19 Other operating activities 137 (2 ) 47 — 182 Changes in assets and liabilities, net of assets and liabilities acquired: Other assets (18 ) (14 ) (53 ) — (85 ) Accounts payable and accrued expenses 36 (25 ) 122 — 133 Taxes payable (3 ) — (60 ) — (63 ) Related party taxes payable (7 ) — — — (7 ) Related party payable — — 5 — 5 Net cash (used in) provided by operating activities (42 ) 447 1,232 — 1,637 Cash flows from investing activities Purchases of retail finance receivables, net — (8,220 ) (14,321 ) 7,792 (14,749 ) Principal collections and recoveries on retail finance receivables — (99 ) 10,959 — 10,860 Proceeds from transfer of retail finance receivables, net — 6,369 1,423 (7,792 ) — Net funding of commercial finance receivables — (128 ) (1,770 ) — (1,898 ) Purchases of leased vehicles, net — — (4,882 ) — (4,882 ) Proceeds from termination of leased vehicles — — 533 — 533 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (20 ) (32 ) — (52 ) Other investing activities — — (2 ) — (2 ) Net change in due from affiliates (3,149 ) (443 ) (400 ) 3,992 — Net change in investment in affiliates (357 ) (27 ) — 384 — Net cash used in investing activities (3,552 ) (2,568 ) (8,492 ) 4,376 (10,236 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 470 — 470 Borrowings and issuance of secured debt — — 21,080 — 21,080 Payments on secured debt — — (16,890 ) — (16,890 ) Borrowings and issuance of unsecured debt 3,500 — 3,674 — 7,174 Payments on unsecured debt — — (1,889 ) — (1,889 ) Net capital contribution 996 — 382 (382 ) 996 Debt issuance costs (39 ) — (88 ) — (127 ) Net change in due to affiliates (863 ) 3,989 866 (3,992 ) — Net cash provided by financing activities 3,594 3,989 7,605 (4,374 ) 10,814 Net increase in cash, cash equivalents and restricted cash — 1,868 345 2 2,215 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (199 ) (2 ) (201 ) Cash, cash equivalents and restricted cash at beginning of period — 415 2,616 — 3,031 Cash, cash equivalents and restricted cash at end of period $ — $ 2,283 $ 2,762 $ — $ 5,045

Summary of Significant Accoun28

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Merger	We acquired Ally Financial's auto finance and financial services operations in Europe and Latin America in 2013. Additionally, on January 2, 2015, we acquired an equity interest in SAIC-GMAC, a joint venture that conducts business in China, from Ally Financial.
Basis of Presentation	Basis of Presentation The consolidated financial statements include our accounts and the accounts of our wholly-owned subsidiaries, including certain special-purpose financing entities utilized in secured financing transactions, which are considered VIEs. All intercompany transactions and accounts have been eliminated in consolidation. Except as otherwise specified, dollar amounts presented within tables are stated in millions. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions which affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. These estimates include, among other things, the determination of the allowance for loan losses on finance receivables, estimated residual value of leased vehicles, goodwill and income taxes. Generally, the financial statements of entities that operate outside of the U.S. are measured using the local currency as the functional currency. All assets and liabilities of the foreign subsidiaries are translated into U.S. dollars at period-end exchange rates and the results of operations and cash flows are determined using approximate weighted-average exchange rates for the period. Translation adjustments are related to the foreign subsidiaries using local currency as their functional currency and are reported as a separate component of accumulated other comprehensive income/loss. Foreign currency transaction gains or losses are recorded directly to the consolidated statements of income and comprehensive income, regardless of whether such amounts are realized or unrealized. We may enter into foreign currency derivatives to mitigate our exposure to changes in foreign currency exchange rates.
Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt	Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt Our commercial finance receivables are primarily comprised of floorplan financing, which are loans to dealers to finance vehicle inventory, also known as wholesale or inventory financing. In our experience, these loans are typically repaid in less than 90 days of when the credit is extended. Furthermore, we typically have the unilateral ability to call the loans and receive payment within 60 days of the call. Therefore, the presentation of the cash flows related to commercial finance receivables are reflected on the consolidated statements of cash flows as "Net funding of commercial finance receivables." We have revolving debt agreements to finance our commercial lending activities. The revolving period of these agreements ranges from 6 to 24 months; however, the terms of these financing agreements require that a borrowing base of eligible floorplan receivables, within certain concentration limits, must be maintained in sufficient amounts to support advances. When a dealer repays a floorplan receivable to us, either the amount advanced against such receivables must be repaid by us or else the equivalent amount in new receivables must be added to the borrowing base. Despite the revolving term exceeding 90 days , the actual term for repayment of advances under these agreements is when we receive repayment from the dealers, which is typically within 90 days of when the credit is extended. Therefore, the cash flows related to these revolving debt agreements are reflected on the consolidated statements of cash flows as “Net change in debt (original maturities less than three months).”
Cash Equivalents	Cash Equivalents Cash equivalents are defined as short-term, highly liquid securities with original maturities of 90 days or less.
Retail Finance Receivables and the Allowance for Loan Losses	Retail Finance Receivables and the Allowance for Loan Losses Our retail finance receivables portfolio consists of smaller-balance, homogeneous loans which are carried at amortized cost, net of allowance for loan losses. These loans are divided among pools based on common risk characteristics, such as internal credit score, origination period, delinquent status and geography. An internal credit score, of which FICO is an input in North America, is created by using algorithms or statistical models contained in origination scorecards. The scorecards are used to evaluate a consumer’s ability to pay based on statistical modeling of their prior credit usage, structure of the loan and other information. The output of the scorecards rank-order consumers from those that are most likely to pay to those that are least likely to pay. By further dividing the portfolio into pools based on internal credit scores we are better able to distinguish expected credit performance for different credit risks. These pools are collectively evaluated for impairment based on a statistical calculation, which is supplemented by management judgment. The allowance is aggregated for each of the pools. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable losses inherent in our finance receivables. We use a combination of forecasting methodologies to determine the allowance for loan losses, including roll rate modeling and static pool modeling techniques. A roll rate model is generally used to project near term losses and static pool models are generally used to project losses over the remaining life. Probable losses are estimated for groups of accounts aggregated by past-due status and origination month. Generally, loss experience over the last 10 years is evaluated. Recent performance is more heavily weighted when determining the allowance to result in an estimate that is more reflective of the current internal and external environments. Factors that are considered when estimating the allowance include historical delinquency migration to loss, probability of default ("PD") and loss given default ("LGD"). PD and LGD are specifically estimated for each monthly vintage (i.e., group of originations) in cases where vintage models are used. PD is estimated based on expectations that are aligned with internal credit scores. LGD is projected based on historical trends experienced over the last 10 years, weighted toward more recent performance in order to consider recent market supply and demand factors that impact wholesale used vehicle pricing. While forecasted probable losses are quantitatively derived, we assess the recent internal operating and external environments and may qualitatively adjust certain assumptions to result in an allowance that is more reflective of losses that are expected to occur in the current environment. We also use historical charge-off experience to determine a loss confirmation period ("LCP"). The LCP is a key assumption within our models and represents the average amount of time between when a loss event first occurs to when the receivable is charged-off. This LCP is the basis of our allowance and is applied to the forecasted probable credit losses to determine the amount of losses we believe exist at the balance sheet date. We believe these factors are relevant in estimating incurred losses and also consider an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, changes in the legal and regulatory environment, general economic conditions and business trends and uncertainties in forecasting and modeling techniques used in estimating our allowance. We update our retail loss forecast models and portfolio indicators on a quarterly basis to incorporate information reflective of the current economic environment. Assumptions regarding credit losses and LCPs are reviewed periodically and may be impacted by actual performance of finance receivables and changes in any of the factors discussed above. Should the credit loss assumption or LCP increase, there would be an increase in the amount of allowance for loan losses required, which would decrease the net carrying value of finance receivables and increase the amount of provision for loan losses. Finance receivables that are considered impaired, including troubled debt restructurings ("TDRs") are individually evaluated for impairment. In assessing the risk of individually impaired loans such as TDRs, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience, and industry-specific information that management believes is relevant in determining the occurrence of a loss event and measuring impairment. These factors are based on an evaluation of historical and current information, and involve subjective assessment and interpretation.
Commercial Finance Receivables and the Allowance for Loan Losses	Commercial Finance Receivables and the Allowance for Loan Losses Our commercial lending offerings consist of floorplan financing as well as dealer loans, which are loans to finance improvements to dealership facilities, to provide working capital, and to purchase and/or finance dealership real estate. Commercial finance receivables are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the commercial finance receivables. For the International Segment, we established the allowance for loan losses based on historical loss experience. Since we began offering commercial lending in the North America Segment in 2012, we have performed an analysis of the experience of comparable commercial lenders in order to estimate probable credit losses inherent in our portfolio. The commercial finance receivables are aggregated into loan-risk pools, which are determined based on our internally-developed risk rating system. Based upon our risk ratings, we also determine if any specific dealer loan is considered impaired. If impaired loans are identified, specific reserves are established, as appropriate, and the loan is segregated for separate monitoring.
Charge-off Policy	Charge-off Policy Our policy is to charge off a retail account in the month in which the account becomes 120 days contractually delinquent if we have not yet recorded a repossession charge-off. In the North America Segment, we charge off accounts in repossession when the automobile is repossessed and legally available for disposition. In the International Segment, we charge off accounts when the repossession process is started. Commercial finance receivables are individually evaluated and, where collectability of the recorded balance is in doubt, are written down to the fair value of the collateral less costs to sell. Commercial receivables are charged off at the earlier of when they are deemed uncollectible or reach 360 days past due.
Troubled Debt Restructurings	Troubled Debt Restructurings In evaluating whether a loan modification constitutes a TDR, our policy for retail loans is that both of the following must exist: (i) the modification constitutes a concession; and (ii) the debtor is experiencing financial difficulties. In accordance with our policies and guidelines, we, at times, offer payment deferrals to customers. Each deferral allows the consumer to move up to two delinquent monthly payments to the end of the loan generally by paying a fee (approximately the interest portion of the payment deferred, except where state law provides for a lesser amount). A loan that is deferred two or more times would be considered significantly delayed and therefore meets the definition of a concession. A loan currently in payment default as the result of being delinquent would also represent a debtor experiencing financial difficulties. Therefore, considering these two factors, we have determined that the second deferment granted by us on a retail loan will be considered a TDR and the loan impaired. Accounts in Chapter 13 bankruptcy that have an interest rate or principal adjustment as part of a confirmed bankruptcy plan would also be considered TDRs. Retail finance receivables that become classified as TDRs are separately assessed for impairment. A specific allowance is estimated based on the present value of expected cash flows of the receivable discounted at the loan's original effective interest rate. Commercial receivables subject to forbearance, moratoriums, extension agreements, or other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral are classified as TDRs. We do not grant concessions on the principal balance of dealer loans.
Variable Interest Entities - Securitizations and Credit Facilities	Variable Interest Entities – Securitizations and Credit Facilities We finance our loan and lease origination volume through the use of our credit facilities and execution of securitization transactions, which both utilize special purpose entities ("SPEs"). In our credit facilities, we transfer finance receivables or lease-related assets to special purpose finance subsidiaries. These subsidiaries, in turn, issue notes to the agents, collateralized by such assets and cash. The agents provide funding under the notes to the subsidiaries pursuant to an advance formula, and the subsidiaries forward the funds to us in consideration for the transfer of the assets. In our securitizations, we transfer finance receivables or lease-related assets to SPEs structured as securitization trusts ("Trusts"), which issue one or more classes of asset-backed securities. The asset-backed securities are in turn sold to investors. Our continuing involvement with the credit facilities and Trusts consist of servicing assets held by the SPEs and holding residual interests in the SPEs. These transactions are structured without recourse. The SPEs are considered VIEs under U.S. GAAP and are consolidated because we have: (i) power over the significant activities of the entities and (ii) an obligation to absorb losses or the right to receive benefits from the VIEs which could be significant to the VIEs. Accordingly, we are the primary beneficiary of the VIEs and the finance receivables, leasing related assets, borrowings under our credit facilities and, following a securitization, the related securitization notes payable remain on the consolidated balance sheets. Refer to Note 4 - "Finance Receivables," Note 8 - "Debt" and Note 9 - "Variable Interest Entities" to our consolidated financial statements for further information. We are not required, and do not currently intend, to provide any additional financial support to SPEs. While these subsidiaries are included in our consolidated financial statements, these subsidiaries are separate legal entities and the finance receivables and other assets held by these subsidiaries are legally owned by them and are not available to our creditors or creditors of our other subsidiaries. We recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in securitization transactions, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. Cash pledged to support securitization transactions is deposited to a restricted account and recorded on our consolidated balance sheets as restricted cash, which is invested in highly liquid securities with original maturities of 90 days or less.
Property and Equipment	Property and Equipment Property and equipment additions are carried at amortized cost. Depreciation is generally provided on a straight-line basis over the estimated useful lives of the assets, which ranges from 1 to 30 years. The basis of assets sold or retired and the related accumulated depreciation are removed from the accounts at the time of disposition and any resulting gain or loss is included in operations. Maintenance, repairs and minor replacements are charged to operations as incurred; major replacements and improvements are capitalized.
Leased Vehicles	Leased Vehicles Leased vehicles consist of automobiles leased to customers and are carried at amortized cost less manufacturer subvention payments, which are received up front. Depreciation expense is recorded on a straight-line basis over the term of the lease agreement. Manufacturer subvention is recognized on a straight-line basis as a reduction to depreciation expense. Leased vehicles are depreciated to the estimated residual value at the end of the lease term. Under the accounting for impairment or disposal of long-lived assets, residual values of operating leases are evaluated individually for impairment when indicators of impairment exist. When indicators of impairment exist and aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased asset at the end of the lease, are less than the book value of the lease, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Otherwise, reductions in the expected residual value result in additional depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds.
Goodwill	Goodwill The excess of the purchase price of the merger with GM over the fair value of the net assets acquired was recorded as goodwill, and was attributed to the North America reporting unit, which was our only reporting unit at that time. With the acquisition of the international operations, we added two additional reporting units: Latin America and Europe. The excess of the purchase price of the acquisition of the international operations over the fair value of the net assets acquired was all attributed to the Latin America reporting unit. We performed our annual goodwill impairment testing as of October 1, 2016 for each reporting unit. For the North America reporting unit, which represents 92% of our goodwill balance, we determined the fair value with consideration to valuations under the income approach, weighted 75% , and the market approach, weighted 25% . The income approach evaluates the cash flow of the reporting unit over a specified time, discounted at an appropriate market rate to arrive at an indication of the most probable selling price. Factors contributing to the determination of the reporting unit's operating performance were historical performance and management's estimates of future performance. The market approach considers trading prices of securities issued by comparable companies as multiples of historical earnings and forecast earnings. The results of the first step of the impairment test indicated that the fair value exceeded the carrying value; therefore, it was not necessary to perform the second step analysis. If actual market conditions are less favorable than those we and the industry have projected, or if events occur or circumstances change that would reduce the fair value of our goodwill below the amount reflected in the balance sheet, we may be required to conduct an interim test and possibly recognize impairment charges, which could be material, in future periods.
Derivative Financial Instruments	Derivative Financial Instruments We recognize all of our derivative financial instruments as either assets or liabilities on our consolidated balance sheets at fair value. We do not use derivative financial instruments for trading or speculative purposes. Interest Rate Swap Agreements We utilize interest rate swap agreements to convert certain floating rate exposures to fixed rate or certain fixed-rate exposures to floating rate in order to manage our interest rate exposure. Cash flows from derivatives used to manage interest rate risk are classified as operating activities. We designate certain pay-fixed, receive-floating interest rate swaps as cash flow hedges of variable rate debt. The risk being hedged is the risk of variability in interest payments attributable to changes in interest rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the hedge in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings, we reclassify these amounts to interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately. We designate certain receive-fixed, pay-floating interest rate swaps as fair value hedges of fixed-rate debt. The risk being hedged is the risk of changes in the fair value of the hedged debt attributable to changes in the benchmark interest rate. If the hedge relationship is deemed to be highly effective, we record the changes in the fair value of the hedged debt related to the risk being hedged in interest expense. The change in fair value of the related derivative (excluding accrued interest) is also recorded in interest expense. Interest Rate Cap and Floor Agreements We may purchase interest rate cap and floor agreements to limit floating rate exposures in our credit facilities. As part of our interest rate risk management strategy and when economically feasible, we may simultaneously sell a corresponding interest rate cap or floor agreement in order to offset the premium paid to purchase the interest rate cap or floor agreement and thus retain the interest rate risk. Because the interest rate cap and floor agreements entered into by us or our special purpose finance subsidiaries do not qualify for hedge accounting, changes in the fair value of interest rate cap and floor agreements purchased by the special purpose finance subsidiaries and interest rate cap and floor agreements sold by us are recorded in interest expense. Interest rate risk management contracts are generally expressed in notional principal or contract amounts that are much larger than the amounts potentially at risk for nonpayment by counterparties. Therefore, in the event of nonperformance by the counterparties, our credit exposure is limited to the uncollected interest and the market value related to the contracts that have become favorable to us. We manage the credit risk of such contracts by using highly rated counterparties, establishing risk limits and monitoring the credit ratings of the counterparties. We maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association Master Agreement. We enter into arrangements with individual counterparties that we believe are creditworthy and generally settle on a net basis. In addition, we perform a quarterly assessment of our counterparty credit risk, including a review of credit ratings, credit default swap rates and potential nonperformance of the counterparty. Foreign Currency Swaps Our policy is to minimize exposure to changes in currency exchange rates. To meet funding objectives, we borrow in a variety of currencies. We face exposure to currency exchange rates when the currency of our earning assets differs from the currency of the debt funding those assets. When possible, we fund earning assets with debt in the same currency, minimizing exposure to exchange rate movements. When a different currency is used, we may use foreign currency swaps to convert our debt obligations to the local currency of the earning assets. We designate certain cross-currency swaps as cash flow hedges of foreign currency-denominated debt. The risk being hedged is the variability in the cash flows for the payments of both principal and interest attributable to changes in foreign currency exchange rates.
Fair Value	Fair Value Financial instruments are considered Level 1 when quoted prices are available in active markets for identical assets or liabilities as of the reporting date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Financial instruments are considered Level 2 when inputs other than quoted prices are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Financial instruments are considered Level 3 when their values are determined using price models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation.
Income Taxes	Income Taxes We account for income taxes on a separate return basis using an asset and liability method which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, net operating loss and tax credit carryforwards. A valuation allowance is recognized if it is more likely than not that some portion or the entire deferred tax asset will not be realized. We record uncertain tax positions on the basis of a two-step process whereby: (i) we determine whether it is more likely than not that the tax positions will be sustained based on the technical merits of the position; and (ii) for those tax positions that meet the more likely than not recognition, we recognize the largest amount of tax benefit that is greater than 50% likely to be realized upon ultimate settlement with the related tax authority. We record interest and penalties on uncertain tax positions in income tax provision (benefit).
Revenue Recognition	Revenue Recognition Finance charge income related to retail finance receivables is recognized using the effective interest method. Fees and commissions received and direct costs of originating loans are generally deferred and amortized over the term of the related finance receivables using the effective interest method and are removed from the consolidated balance sheets when the related finance receivables are sold, charged off or paid in full. Accrual of finance charge income is suspended on accounts that are more than 60 days delinquent, accounts in bankruptcy and accounts in repossession. Payments received on non-accrual loans are first applied to any fees due, then to any interest due and, finally, any remaining amounts received are recorded to principal. Interest accrual resumes once an account has received payments bringing the delinquency status to less than 60 days past due or, for TDRs, when repayment is reasonably assured based on the modified terms of the loan. Finance charge income related to commercial finance receivables is recognized using the effective interest method. Accrual of finance charge income is generally suspended on accounts that are more than 90 days delinquent, upon receipt of a bankruptcy notice from a borrower, or where reasonable doubt about the full collectability of contractually agreed upon principal and interest exist. Payments received on non-accrual loans are first applied to principal. Interest accrual resumes once an account has received payments bringing the delinquency status fully current and collection of contractual principal and interest is reasonably expected (including amounts previously charged off). Operating lease rental income for leased vehicles is recognized on a straight-line basis over the lease term. Net deferred origination fees or costs are amortized on a straight-line basis over the term of the lease agreement.
Parent Company Stock-Based Compensation	Parent Company Stock-Based Compensation We measure and record compensation expense for parent company stock-based compensation awards based on the award's estimated fair value. We record compensation expense over the applicable vesting period of an award. Refer to Note 12 - "Parent Company Stock-Based Compensation" to our consolidated financial statements for further information.
Recently Adopted Accounting Standards and Recent Accounting Pronouncements	Recently Adopted Accounting Standards In November 2016 the Financial Accounting Standards Board ("FASB") issued Accounting Standard Update 2016-18, "Statement of Cash Flows (Topic 230): Restricted Cash" (ASU 2016-18), which clarifies the presentation of restricted cash and restricted cash equivalents in the statements of cash flows. Under ASU 2016-18 restricted cash and restricted cash equivalents are included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts presented on the statements of cash flows. We adopted ASU 2016-18 during the three months ended December 31, 2016 on a retrospective basis. As a result net cash provided by operating activities decreased by $271 million in 2015 and increased by an insignificant amount in 2014. Net cash used in investing activities decreased by $264 million and $232 million in 2015 and 2014 and beginning-of-period cash, cash equivalents and restricted cash increased by $1.9 billion , $2.1 billion and $2.0 billion as of December 31, 2016, 2015 and 2014. Recently Issued Accounting Standards Not Yet Adopted In May 2014 the FASB issued ASU 2014-09, “Revenue from Contracts with Customers” (ASU 2014-09), which requires us to recognize revenue when a customer obtains control rather than when we have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09 is effective for annual reporting periods beginning on or after December 15, 2017 with early adoption permitted for reporting periods beginning on or after December 15, 2016. The adoption of ASU 2014-09 will not have a significant impact on our consolidated financial statements. In February 2016 the FASB issued ASU 2016-02, “Leases” (ASU 2016-02), which requires the lessee to recognize most leases on the balance sheet thereby resulting in the recognition of lease assets and liabilities for those leases currently classified as operating leases. The accounting for lessors is largely unchanged. ASU 2016-02 is effective for annual reporting periods beginning after December 15, 2018 with early adoption permitted. While we are currently assessing the impact ASU 2016-02 will have on our consolidated financial statements, we expect the primary impact to our consolidated financial position upon adoption will be the recognition, on a discounted basis, of our minimum commitments under noncancelable operating leases on our consolidated balance sheets resulting in the recording of right of use assets and lease obligations. Our current minimum commitments under noncancelable operating leases are disclosed in Note 11 . In June 2016 the FASB issued ASU 2016-13, "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" (ASU 2016-13), which requires entities to use a new impairment model based on expected losses. Under this new model an entity would recognize an impairment allowance equal to its current estimate of credit losses on financial assets measured at amortized cost. ASU 2016-13 is effective for us beginning January 1, 2020 with early adoption permitted January 1, 2019. Credit losses under the new model will consider relevant information about past events, current conditions and reasonable and supportable forecasts, resulting in recognition of lifetime expected credit losses upon loan origination as compared to our current accounting that recognizes credit losses as incurred. Adoption of ASU 2016-13 will increase the allowance for credit losses with the cumulative effect upon adoption resulting in a negative adjustment to retained earnings. We are currently evaluating new processes to calculate credit losses in accordance with ASU 2016-13 that, once completed, will determine the impact on our consolidated financial statements which at the date of adoption will increase the allowance for credit losses with a resulting negative adjustment to retained earnings.

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	These payables typically settle within 30 days . The following tables present related party transactions: Balance Sheet Data December 31, 2016 December 31, 2015 Commercial finance receivables, net due from dealers consolidated by GM (a) $ 401 $ 229 Advances drawn on lines of credit due from GM (b) $ 137 $ 190 Subvention receivable (c) $ 373 $ 383 Commercial loan funding payable (d) $ 389 $ 351 Income Statement Data Years Ended December 31, 2016 2015 2014 Interest subvention earned on retail finance receivables and leases (e) $ 443 $ 313 $ 248 Interest subvention earned on commercial finance receivables (e) $ 169 $ 175 $ 195 Leased vehicle subvention earned (f) $ 2,238 $ 1,001 $ 311 _________________ (a) Included in finance receivables, net. (b) Included in related party receivables. (c) Included in related party receivables. We received subvention payments from GM of $4.4 billion , $3.6 billion and $1.2 billion during 2016 , 2015 and 2014 . (d) Included in related party payables. (e) Included in finance charge income. (f) Included as a reduction to leased vehicle expenses.

Finance Receivables (Tables)

Finance Receivables (Tables)	12 Months Ended
	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables Portfolio	December 31, 2016 December 31, 2015 Retail finance receivables Retail finance receivables, collectively evaluated for impairment, net of fees (a) $ 30,989 $ 27,512 Retail finance receivables, individually evaluated for impairment, net of fees 1,921 1,612 Total retail finance receivables (b) 32,910 29,124 Less: allowance for loan losses - collective (517 ) (515 ) Less: allowance for loan losses - specific (276 ) (220 ) Total retail finance receivables, net 32,117 28,389 Commercial finance receivables Commercial finance receivables, collectively evaluated for impairment, net of fees 11,053 8,357 Commercial finance receivables, individually evaluated for impairment, net of fees 70 82 Total commercial finance receivables 11,123 8,439 Less: allowance for loan losses - collective (43 ) (38 ) Less: allowance for loan losses - specific (7 ) (9 ) Total commercial finance receivables, net 11,073 8,392 Total finance receivables, net $ 43,190 $ 36,781 Fair value of finance receivables $ 43,140 $ 36,937 ________________ (a) Includes $1.3 billion and $1.1 billion of direct-financing leases at December 31, 2016 and 2015 . (b) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs of $191 million and $179 million at December 31, 2016 and 2015 .
Summary of Finance Receivables	Therefore, the carrying amount, a Level 2 input, is considered to be a reasonable estimate of fair value. Retail Finance Receivables Years ended December 31, 2016 2015 2014 Retail finance receivables beginning balance $ 29,124 $ 25,623 $ 23,130 Purchases of retail finance receivables 18,054 17,537 15,085 Principal collections and other (12,633 ) (10,968 ) (10,234 ) Charge-offs (1,171 ) (996 ) (914 ) Foreign currency translation (464 ) (2,072 ) (1,444 ) Retail finance receivables ending balance $ 32,910 $ 29,124 $ 25,623
Allowance for Credit Losses on Financing Receivables	A summary of the activity in the allowance for retail loan losses is as follows: Years ended December 31, 2016 2015 2014 Allowance for retail loan losses beginning balance $ 735 $ 655 $ 497 Provision for loan losses 666 612 613 Charge-offs (1,171 ) (996 ) (914 ) Recoveries 559 486 470 Foreign currency translation 4 (22 ) (11 ) Allowance for retail loan losses ending balance $ 793 $ 735 $ 655
Financing Receivable Credit Quality Indicators	A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables in the North America Segment is as follows: December 31, 2016 December 31, 2015 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 7,923 36.4 % $ 4,418 24.4 % Near-prime - FICO Score 620 to 679 3,468 15.9 % 2,890 15.9 % Sub-prime - FICO Score less than 620 10,395 47.7 % 10,840 59.7 % Balance at end of period $ 21,786 100.0 % $ 18,148 100.0 %
Past Due Financing Receivables	The following is a consolidated summary of the contractual amounts of delinquent retail finance receivables, which is not significantly different than the recorded investment for such receivables. December 31, 2016 December 31, 2015 Amount Percent of Contractual Amount Due Amount Percent of Contractual Amount Due 31 - 60 days $ 1,235 3.7 % $ 1,237 4.2 % Greater than 60 days 542 1.7 481 1.6 Total finance receivables more than 30 days delinquent 1,777 5.4 1,718 5.8 In repossession 51 0.1 46 0.2 Total finance receivables more than 30 days delinquent or in repossession $ 1,828 5.5 % $ 1,764 6.0 %
Troubled Debt Restructurings on Financing Receivables	The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below: December 31, 2016 December 31, 2015 Outstanding recorded investment $ 1,920 $ 1,612 Less: allowance for loan losses (276 ) (220 ) Outstanding recorded investment, net of allowance $ 1,644 $ 1,392 Unpaid principal balance $ 1,967 $ 1,642 Additional information about loans classified as TDRs is presented below: Years Ended December 31, 2016 2015 2014 Average outstanding recorded investment $ 1,766 $ 1,455 $ 996 Finance charge income recognized $ 205 $ 164 $ 123 Number of loans classified as TDRs during the period 66,926 58,012 49,490 Recorded investment of loans classified as TDRs during the period $ 1,148 $ 982 $ 794
Activity in Commercial Finance Receivables Portfolio	The unpaid principal balance, net of recoveries, of loans that redefaulted during the reporting period and were within 12 months of being modified as a TDR were $26 million , $20 million and $25 million for 2016 , 2015 and 2014 . Commercial Finance Receivables Years Ended December 31, 2016 2015 2014 Commercial finance receivables beginning balance $ 8,439 $ 8,072 $ 6,700 Net funding 3,017 984 1,889 Charge-offs (2 ) (3 ) — Foreign currency translation (331 ) (614 ) (517 ) Commercial finance receivables ending balance $ 11,123 $ 8,439 $ 8,072
Credit Risk Profile of Commercial Financing Receivables	A summary of the credit risk profile by dealer risk rating of the commercial finance receivables is as follows: December 31, 2016 December 31, 2015 Amount Percent Amount Percent Group I - Dealers with superior financial metrics $ 1,596 14.3 % $ 1,299 15.4 % Group II - Dealers with strong financial metrics 3,445 31.0 2,648 31.4 Group III - Dealers with fair financial metrics 4,039 36.3 2,703 32.0 Group IV - Dealers with weak financial metrics 1,231 11.1 1,100 13.0 Group V - Dealers warranting special mention due to potential weaknesses 642 5.8 505 6.0 Group VI - Dealers with loans classified as substandard, doubtful or impaired 170 1.5 184 2.2 Balance at end of period $ 11,123 100.0 % $ 8,439 100.0 %

Leased Vehicles (Tables)

Leased Vehicles (Tables)	12 Months Ended
	Dec. 31, 2016
Property Subject to or Available for Operating Lease, Net [Abstract]
Summary of Leased Vehicles	December 31, 2016 December 31, 2015 Leased vehicles $ 48,581 $ 27,587 Manufacturer subvention (7,706 ) (4,582 ) 40,875 23,005 Less: accumulated depreciation (6,349 ) (2,833 ) Leased vehicles, net $ 34,526 $ 20,172
Summary of Changes in Leased Vehicles	A summary of the changes in our leased vehicles is as follows: Years Ended December 31, 2016 2015 2014 Balance at beginning of period $ 23,005 $ 8,268 $ 4,025 Leased vehicles purchased 25,377 20,199 6,169 Terminated leases (4,095 ) (1,785 ) (878 ) Leased vehicles returned - default (358 ) (120 ) (58 ) Manufacturer subvention (3,111 ) (3,169 ) (844 ) Foreign currency translation 57 (388 ) (146 ) Balance at end of period $ 40,875 $ 23,005 $ 8,268
Schedule of Future Minimum Rental Payments Due	The following table summarizes minimum rental payments due to us as lessor under operating leases: Years Ending December 31, 2017 2018 2019 2020 2021 Total Minimum rental payments under operating leases $ 5,649 $ 4,176 $ 1,869 $ 180 $ 4 $ 11,878

Goodwill (Tables)

Goodwill (Tables)	12 Months Ended
	Dec. 31, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following table summarizes the changes in the carrying amounts of goodwill by segment: Years Ended December 31, 2016 2015 2014 North America International Total North America International Total North America International Total Beginning balance $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244 $ 1,108 $ 132 $ 1,240 Acquisition — — — — — — — 6 6 Foreign currency translation — 7 7 (1 ) (54 ) (55 ) (2 ) — (2 ) Ending balance $ 1,105 $ 91 $ 1,196 $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244

Equity in Net Assets of Non-c33

Equity in Net Assets of Non-consolidated Affiliates (Tables)	12 Months Ended
	Dec. 31, 2016
Equity Method Investments and Joint Ventures [Abstract]
Summarized Financial Information for SAIC-GMAC	The following tables present summarized financial data of SAIC-GMAC: Summarized Balance Sheet Data (a) : December 31, 2016 December 31, 2015 Finance receivables, net $ 10,408 $ 9,617 Total assets $ 11,089 $ 9,802 Debt $ 6,681 $ 5,789 Total liabilities $ 9,330 $ 7,973 Years Ended December 31, Summarized Operating Data (a) : 2016 2015 Finance charge income $ 940 $ 971 Provision for loan losses $ 18 $ 45 Interest expense $ 257 $ 338 Income before income taxes $ 570 $ 463 Net income $ 428 $ 347 _________________ (a) This data represents that of the entire entity and not our 35% proportionate share.

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Schedule of Debt	December 31, 2016 December 31, 2015 Carrying Amount Fair Value Carrying Amount Fair Value Secured debt Revolving credit facilities $ 9,817 $ 9,812 $ 7,548 $ 7,494 Securitization notes payable 29,453 29,545 23,141 23,177 Total secured debt $ 39,270 $ 39,357 $ 30,689 $ 30,671 Unsecured debt Senior notes $ 28,577 $ 29,182 $ 18,973 $ 19,045 Credit facilities 3,354 3,354 2,759 2,753 Retail customer deposits 1,895 1,902 1,260 1,262 Other unsecured debt 780 782 665 666 Total unsecured debt $ 34,606 $ 35,220 $ 23,657 $ 23,726 Total Secured and Unsecured debt $ 73,876 $ 74,577 $ 54,346 $ 54,397 Fair value utilizing Level 2 inputs $ 69,990 $ 48,716 Fair value utilizing Level 3 inputs $ 4,587 $ 5,681
Schedule of Deposit Liabilities	During 2015, we began accepting deposits from retail banking customers in Germany. Following is summarized information for our deposits at December 31, 2016 and 2015 : December 31, 2016 December 31, 2015 Outstanding Balance Weighted Average Interest Rate Outstanding Balance Weighted Average Interest Rate Overnight deposits $ 799 0.50 % $ 555 1.00 % Term deposits -12 months 423 0.93 % 337 1.32 % Term deposits - 24 months 281 1.26 % 123 1.44 % Term deposits - 36 months 392 1.48 % 245 1.65 % Total deposits $ 1,895 0.91 % $ 1,260 1.25 %
Schedule of Maturities of Long-term Debt	The following table presents the expected scheduled principal and interest payments under our contractual debt obligations: Years Ending December 31, 2017 2018 2019 2020 2021 Thereafter Total Secured debt $ 21,268 $ 11,573 $ 4,880 $ 1,264 $ 348 $ — $ 39,333 Unsecured debt 7,328 4,167 6,351 4,650 4,750 7,791 35,037 Interest payments 1,624 1,204 799 573 376 793 5,369 $ 30,220 $ 16,944 $ 12,030 $ 6,487 $ 5,474 $ 8,584 $ 79,739

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2016
Securitization and Credit Facility VIE [Member]
Variable Interest Entity [Line Items]
Summary of Consolidated VIEs Assets and Liabilities	The following table summarizes the assets and liabilities related to our consolidated VIEs: December 31, 2016 2015 Restricted cash (a) $ 2,067 $ 1,876 Finance receivables, net of fees $ 29,661 $ 24,942 Lease related assets $ 19,341 $ 11,684 Secured debt $ 38,244 $ 29,386
Other VIE [Member]
Variable Interest Entity [Line Items]
Summary of Consolidated VIEs Assets and Liabilities	The following table summarizes the assets and liabilities of these VIEs: December 31, 2016 2015 Assets (a) $ 4,251 $ 3,652 Liabilities (b) $ 3,559 $ 2,941 _______________ (a) Comprised primarily of finance receivables, net of $3.5 billion and $3.2 billion at December 31, 2016 and 2015 . (b) Comprised primarily of debt of $3.0 billion and $2.6 billion at December 31, 2016 and 2015 . The following table summarizes the revenue and net income of these VIEs: Years Ended December 31, 2016 2015 2014 Total revenue $ 210 $ 191 $ 192 Net income $ 29 $ 29 $ 28

Derivative Financial Instrume36

Derivative Financial Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Swap and Cap Agreement	Derivative financial instruments consist of the following: December 31, 2016 December 31, 2015 Level Notional Fair Value Notional Fair Value Derivatives designated as hedges Assets Fair value hedges Interest rate swaps 2 $ — $ — $ — $ — Cash flow hedges Interest rate swaps 2,3 3,542 12 — — Foreign currency swaps 2 — — — — Total assets (a) $ 3,542 $ 12 $ — $ — Liabilities Fair value hedges Interest rate swaps 2 $ 7,700 $ 276 $ 1,000 $ 6 Cash flow hedges Interest rate swaps 2,3 1,280 3 — — Foreign currency swaps 2 791 33 — — Total liabilities (b) $ 9,771 $ 312 $ 1,000 $ 6 Derivatives not designated as hedges Assets Interest rate swaps 2,3 $ 8,667 $ 55 $ 4,122 $ 8 Interest rate caps and floors 2 10,469 26 6,327 19 Foreign currency swaps 2 1,576 78 1,460 48 Total assets (a) $ 20,712 $ 159 $ 11,909 $ 75 Liabilities Interest rate swaps 2,3 $ 8,337 $ 36 $ 8,041 $ 24 Interest rate caps and floors 2 12,146 26 5,892 19 Foreign currency swaps 2 119 2 — — Total liabilities (b) $ 20,602 $ 64 $ 13,933 $ 43 _________________ (a) Included in other assets in the consolidated balance sheets. (b) Included in other liabilities in the consolidated balance sheets. Amounts accrued for interest payments in a net receivable position are included in other assets in the consolidated balance sheets.
Effect of Derivative Instruments on Consolidated Statements of Income and Comprehensive Income	The following table presents information on the gains (losses) on derivative instruments included in the consolidated statements of income and comprehensive income: Income (Losses) Recognized In Income Years Ended December 31, 2016 2015 2014 Fair value hedges Interest rate contracts (a)(b) $ (7 ) $ 1 $ — Cash flow hedges Interest rate contracts (a) (4 ) — — Foreign currency contracts (c) 39 — — Derivatives not designated as hedges Interest rate contracts (a) 14 (15 ) (51 ) Foreign currency derivatives (c)(d) 109 42 163 Total $ 151 $ 28 $ 112 Gains (Losses) Recognized In Accumulated Other Comprehensive Loss Years Ended December 31, 2016 2015 2014 Cash flow hedges Interest rate contracts $ 4 $ — $ — Foreign currency contracts (20 ) — — Total $ (16 ) $ — $ — Gains Reclassified From Accumulated Other Comprehensive Loss Into Income Years Ended December 31, 2016 2015 2014 Cash flow hedges Interest rate contracts $ 2 $ — $ — Foreign currency contracts 31 — — Total $ 33 $ — $ — _________________ (a) Recognized in earnings as interest expense. (b) Includes hedge ineffectiveness which reflects the net change in the fair value of interest rate contracts of $322 million offset by the change in fair value of hedged debt attributable to the hedged risk of $287 million . (c) Recognized in earnings as other operating expenses and interest expense. (d) Activity is offset by translation activity (included in other operating expenses) related to foreign currency-denominated loans.

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Schedule of Lease Expense	A summary of lease expense and operating lease commitments are as follows: Years Ended December 31, 2016 2015 2014 Lease expense $ 30 $ 28 $ 28
Schedule of Future Minimum Rental Payments for Operating Leases	Years Ending December 31, 2017 2018 2019 2020 2021 Thereafter Total Operating lease commitments $ 38 $ 45 $ 41 $ 37 $ 35 $ 161 $ 357

Parent Company Stock-Based Co38

Parent Company Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Nonvested Restricted Stock Units Activity	The following table summarizes information about RSU, PSUs and stock options granted to our employees and key executive officers under GM's stock-based compensation programs (units in thousands): Year Ended December 31, 2016 Shares Weighted-Average Grant Date Fair Value Weighted-Average Remaining Contractual Term (years) Units outstanding at January 1, 2016 2,302 $ 34.61 1.3 Granted 1,057 $ 31.50 Settled (501 ) $ 34.95 Forfeited or expired (31 ) $ 33.93 Units outstanding at December 31, 2016 2,827 $ 32.89 1.1 Units unvested and expected to vest at December 31, 2016 1,926 $ 33.05 1.1 Units vested and payable at December 31, 2016 821 $ 32.51
Schedule of Compensation Expense	The following table summarizes compensation expense recorded for stock-based incentive plans: Years Ended December 31, 2016 2015 2014 Compensation expense $ 48 $ 36 $ 19 Income tax benefit 19 13 8 Compensation expense, net of tax $ 29 $ 23 $ 11

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Summary of Income (Loss) Before Income Taxes	The following table summarizes income before income taxes and equity income: Years Ended December 31, 2016 2015 2014 U.S. income $ 336 $ 362 $ 481 Non-U.S. income 426 359 334 Income before income taxes and equity income $ 762 $ 721 $ 815
Summary of Income Tax Expense (Benefit)	Income Tax Expense Years Ended December 31, 2016 2015 2014 Current income tax expense U.S. federal $ (1 ) $ 13 $ 284 U.S. state and local — (5 ) 14 Non-U.S. 118 51 63 Total current 117 59 361 Deferred income tax expense U.S. federal 20 95 (87 ) U.S. state and local 13 6 (5 ) Non-U.S. 9 31 9 Total deferred 42 132 (83 ) Total income tax provision $ 159 $ 191 $ 278
Effective Income Tax Rate Reconciliation	The following table summarizes a reconciliation of income tax expense (benefit) compared with the amounts at the U.S. federal statutory income tax rate: Years Ended December 31, 2016 2015 2014 U.S. statutory tax rate 35.0 % 35.0 % 35.0 % Non-U.S. income taxed at other than 35% (2.6 ) (3.2 ) (2.2 ) State and local income taxes 2.0 0.9 1.2 U.S. tax on non-U.S. earnings (10.7 ) (3.2 ) 7.2 Valuation allowance 7.4 7.1 (4.9 ) Tax credits and incentives (9.9 ) (6.6 ) (0.8 ) Other (0.3 ) (3.5 ) (1.5 ) Effective tax rate 20.9 % 26.5 % 34.0 %
Schedule of Deferred Tax Assets and Liabilities	The following table summarizes the components of temporary differences and carryforwards that give rise to deferred tax assets and liabilities: December 31, 2016 December 31, 2015 Deferred tax assets Net operating loss carryforward - U.S. (a) $ 1,049 $ 409 Net operating loss carryforward - Non-U.S. (b) 202 189 Market value difference of loan portfolio 105 166 Accruals 135 107 Tax Credits (c) 388 131 Other 113 113 Total deferred tax assets before valuation allowance 1,992 1,115 Less: valuation allowance (166 ) (104 ) Total deferred tax assets 1,826 1,011 Deferred tax liabilities Depreciable assets 1,470 645 Deferred acquisition costs 183 116 Other 119 148 Total deferred tax liabilities 1,772 909 Net deferred tax asset $ 54 $ 102 _________________ (a) Includes tax-effected operating losses of $1.0 billion expiring through 2037 at December 31, 2016 . (b) Includes tax-effected operating losses of $105 million expiring through 2037 and $97 million that may be carried forward indefinitely at December 31, 2016 . (c) Includes tax credits of $388 million expiring through 2037 at December 31, 2016 .
Summary of Unrecognized Tax Benefits Activity	Uncertain Tax Positions Years Ended December 31, 2016 2015 2014 Beginning balance $ 61 $ 95 $ 130 Additions to prior years' tax positions 4 — 1 Reductions to prior years' tax positions (6 ) (7 ) (12 ) Additions to current year tax positions 2 1 7 Reductions in tax positions due to lapse of statutory limitations (5 ) (16 ) (6 ) Settlements — (2 ) (20 ) Foreign currency translation 3 (10 ) (5 ) Ending balance $ 59 $ 61 $ 95

Supplemental Cash Flow Inform40

Supplemental Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2016
Supplemental Cash Flow Elements [Abstract]
Cash Payments for Interest Costs and Income Taxes	Cash payments for interest costs and income taxes consist of the following: Years Ended December 31, 2016 2015 2014 Interest costs (none capitalized) $ 1,857 $ 1,295 $ 1,120 Income taxes $ 120 $ 84 $ 127
Noncash Activity	Non-cash investing items consist of the following: Years Ended December 31, 2016 2015 2014 Subvention receivable from GM $ 373 $ 383 $ 189 Commercial loan funding payable to GM $ 389 $ 351 $ 427

Segment Reporting and Geograp41

Segment Reporting and Geographic Information (Tables)	12 Months Ended
	Dec. 31, 2016
Segment Reporting [Abstract]
Schedule of Segment Reporting Information	Key operating data for our operating segments were as follows: Year Ended December 31, 2016 North America International Corporate Eliminations Total Total revenue $ 7,948 $ 1,610 $ (1 ) $ 1 $ 9,558 Operating expenses 891 599 — — 1,490 Leased vehicle expenses 4,499 30 — — 4,529 Provision for loan losses 566 103 — — 669 Interest expense 1,481 626 — 1 2,108 Equity income — 151 — — 151 Income (loss) before income taxes $ 511 $ 403 $ (1 ) $ — $ 913 Year Ended December 31, 2015 North America International Corporate Eliminations Total Total revenue $ 4,777 $ 1,677 $ 13 $ (13 ) $ 6,454 Operating expenses 735 558 — — 1,293 Leased vehicle expenses 2,190 10 — — 2,200 Provision for loan losses 466 158 — — 624 Interest expense 833 722 74 (13 ) 1,616 Equity income — 116 — — 116 Income (loss) before income taxes $ 553 $ 345 $ (61 ) $ — $ 837 Year Ended December 31, 2014 North America International Corporate Eliminations Total Total revenue $ 2,909 $ 1,945 $ 56 $ (56 ) $ 4,854 Operating expenses 542 620 — — 1,162 Leased vehicle expenses 843 4 — — 847 Provision for loan losses 472 132 — — 604 Interest expense 459 954 69 (56 ) 1,426 Income (loss) before income taxes $ 593 $ 235 $ (13 ) $ — $ 815 December 31, 2016 December 31, 2015 North America International Total North America International Total Finance receivables, net $ 27,617 $ 15,573 $ 43,190 $ 21,558 $ 15,223 $ 36,781 Leased vehicles, net $ 34,284 $ 242 $ 34,526 $ 20,086 $ 86 $ 20,172 Total assets $ 68,656 $ 19,109 $ 87,765 $ 47,419 $ 18,485 $ 65,904
Schedule of Operating Data by Geographical Areas	Geographic Information At and For the Years Ended December 31, 2016 2015 2014 Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) U.S. $ 7,440 $ 32,506 $ 4,324 $ 18,501 $ 2,552 $ 5,477 Canada 508 1,982 453 1,731 357 1,635 Brazil 652 3 757 3 964 4 Other countries (b) 958 314 920 156 981 116 Total consolidated $ 9,558 $ 34,805 $ 6,454 $ 20,391 $ 4,854 $ 7,232 _________________ (a) Long-lived assets includes $34.5 billion , $20.2 billion and $7.1 billion of vehicles on operating leases at December 31, 2016, 2015, and 2014 . (b) No individual country represents more than 10% of our total revenue or long-lived assets.

Accumulated Other Comprehensi42

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Changes in Accumulated Other Comprehensive Income (Loss)	Years Ended December 31, 2016 2015 2014 Unrealized gain on cash flow hedges Beginning balance $ — $ — $ — Change in value of cash flow hedges, net of tax 17 — — Ending balance 17 — — Defined benefit plans Beginning balance (13 ) (11 ) 3 Unrealized loss on subsidiary pension, net of tax (7 ) (2 ) (14 ) Ending balance (20 ) (13 ) (11 ) Foreign currency translation adjustment Beginning balance (1,091 ) (422 ) 8 Translation loss, net of tax (144 ) (669 ) (430 ) Ending balance (1,235 ) (1,091 ) (422 ) Total accumulated other comprehensive loss $ (1,238 ) $ (1,104 ) $ (433 )

Regulatory Capital and Other 43

Regulatory Capital and Other Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2016
Regulatory Capital and Other Regulatory Matters [Abstract]
Capital Requirements on Foreign Financial Institutions	The following table lists the most recently reported minimum statutory capital requirements and the actual statutory capital for our significant regulated international banks by country: Minimum Capital Requirement Actual Capital Germany 8.6 % 17.2 % Brazil 11.0 % 16.9 %

Quarterly Financial Data (una44

Quarterly Financial Data (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Data [Abstract]
Summary of Quarterly Financial Results	The following tables summarize supplementary quarterly financial information: First Quarter Second Quarter Third Quarter Fourth Quarter 2016 Total revenue $ 2,075 $ 2,292 $ 2,499 $ 2,692 Income before income taxes $ 225 $ 266 $ 228 $ 194 Net income $ 164 $ 189 $ 147 $ 254 2015 Total revenue $ 1,354 $ 1,515 $ 1,707 $ 1,878 Income before income taxes $ 214 $ 225 $ 231 $ 167 Net income $ 150 $ 186 $ 179 $ 131

Guarantor Consolidating Finan45

Guarantor Consolidating Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2016
Guarantor Consolidating Financial Statements [abstract]
Condensed Balance Sheet	CONSOLIDATING BALANCE SHEET December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 2,284 $ 917 $ — $ 3,201 Finance receivables, net — 4,969 38,221 — 43,190 Leased vehicles, net — — 34,526 — 34,526 Goodwill 1,095 — 101 — 1,196 Equity in net assets of non-consolidated affiliates — — 944 — 944 Property and equipment, net — 152 127 — 279 Deferred income taxes 502 89 274 (591 ) 274 Related party receivables — 25 485 — 510 Other assets 4 643 3,167 (169 ) 3,645 Due from affiliates 24,548 16,065 — (40,613 ) — Investment in affiliates 8,986 6,445 — (15,431 ) — Total assets $ 35,135 $ 30,672 $ 78,762 $ (56,804 ) $ 87,765 LIABILITIES AND SHAREHOLDER'S EQUITY Liabilities Secured debt $ — $ — $ 39,439 $ (169 ) $ 39,270 Unsecured debt 26,076 — 8,530 — 34,606 Accounts payable and accrued expenses 302 273 899 — 1,474 Deferred income — — 2,365 — 2,365 Deferred income taxes — — 811 (591 ) 220 Related party payables 1 — 399 — 400 Other liabilities 63 417 257 — 737 Due to affiliates — 24,437 16,176 (40,613 ) — Total liabilities 26,442 25,127 68,876 (41,373 ) 79,072 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,505 79 5,345 (5,424 ) 6,505 Accumulated other comprehensive loss (1,238 ) (161 ) (1,223 ) 1,384 (1,238 ) Retained earnings 3,426 5,627 5,066 (10,693 ) 3,426 Total shareholder's equity 8,693 5,545 9,886 (15,431 ) 8,693 Total liabilities and shareholder's equity $ 35,135 $ 30,672 $ 78,762 $ (56,804 ) $ 87,765 CONSOLIDATING BALANCE SHEET December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Finance receivables, net — 4,808 31,973 — 36,781 Leased vehicles, net — — 20,172 — 20,172 Goodwill 1,095 — 94 — 1,189 Equity in net assets of non-consolidated affiliates — — 986 — 986 Property and equipment, net — 41 178 — 219 Deferred income taxes 212 — 179 (160 ) 231 Related party receivables — 27 546 — 573 Other assets 32 92 2,568 — 2,692 Due from affiliates 15,573 7,556 — (23,129 ) — Investment in affiliates 8,476 6,425 — (14,901 ) — Total assets $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 LIABILITIES AND SHAREHOLDER'S EQUITY Liabilities Secured debt $ — $ — $ 30,689 $ — $ 30,689 Unsecured debt 17,087 — 6,570 — 23,657 Accounts payable and accrued expenses 181 717 320 — 1,218 Deferred income — — 1,454 — 1,454 Deferred income taxes — 289 — (160 ) 129 Related party payables — — 362 — 362 Other liabilities 68 34 241 — 343 Due to affiliates — 15,495 7,634 (23,129 ) — Total liabilities 17,336 16,535 47,270 (23,289 ) 57,852 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,484 79 6,490 (6,569 ) 6,484 Accumulated other comprehensive loss (1,104 ) (175 ) (1,095 ) 1,270 (1,104 ) Retained earnings 2,672 4,769 4,135 (8,904 ) 2,672 Total shareholder's equity 8,052 4,673 10,228 (14,901 ) 8,052 Total liabilities and shareholder's equity $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904
Condensed Income Statement	CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 432 $ 2,897 $ — $ 3,329 Leased vehicle income — — 5,925 — 5,925 Other income (1 ) 883 97 (675 ) 304 Total revenue (1 ) 1,315 8,919 (675 ) 9,558 Costs and expenses Salaries and benefits — 597 256 — 853 Other operating expenses 2 200 837 (402 ) 637 Total operating expenses 2 797 1,093 (402 ) 1,490 Leased vehicle expenses — — 4,529 — 4,529 Provision for loan losses — 378 291 — 669 Interest expense 557 296 1,528 (273 ) 2,108 Total costs and expenses 559 1,471 7,441 (675 ) 8,796 Equity income 994 771 151 (1,765 ) 151 Income before income taxes 434 615 1,629 (1,765 ) 913 Income tax (benefit) provision (320 ) (89 ) 568 — 159 Net income $ 754 $ 704 $ 1,061 $ (1,765 ) $ 754 Comprehensive income $ 620 $ 718 $ 933 $ (1,651 ) $ 620 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 403 $ 2,978 $ — $ 3,381 Leased vehicle income — — 2,807 — 2,807 Other income 13 505 139 (391 ) 266 Total revenue 13 908 5,924 (391 ) 6,454 Costs and expenses Salaries and benefits — 332 394 — 726 Other operating expenses 64 105 649 (251 ) 567 Total operating expenses 64 437 1,043 (251 ) 1,293 Leased vehicle expenses — — 2,200 — 2,200 Provision for loan losses — 398 226 — 624 Interest expense 488 18 1,250 (140 ) 1,616 Total costs and expenses 552 853 4,719 (391 ) 5,733 Equity income 941 579 116 (1,520 ) 116 Income before income taxes 402 634 1,321 (1,520 ) 837 Income tax (benefit) provision (244 ) 25 410 — 191 Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Comprehensive (loss) income $ (25 ) $ 498 $ 225 $ (723 ) $ (25 ) CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2014 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 194 $ 3,281 $ — $ 3,475 Leased vehicle income — — 1,090 — 1,090 Other income 68 432 178 (389 ) 289 Total revenue 68 626 4,549 (389 ) 4,854 Costs and expenses Salaries and benefits — 249 365 — 614 Other operating expenses 159 (17 ) 657 (251 ) 548 Total operating expenses 159 232 1,022 (251 ) 1,162 Leased vehicle expenses — — 847 — 847 Provision for loan losses — 334 270 — 604 Interest expense 232 23 1,309 (138 ) 1,426 Total costs and expenses 391 589 3,448 (389 ) 4,039 Equity income 757 523 — (1,280 ) — Income before income taxes 434 560 1,101 (1,280 ) 815 Income tax (benefit) provision (103 ) 12 369 — 278 Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Comprehensive income $ 93 $ 491 $ 298 $ (789 ) $ 93
Condensed Cash Flow Statement	CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 754 $ 704 $ 1,061 $ (1,765 ) $ 754 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 37 26 4,776 — 4,839 Accretion and amortization of loan and leasing fees — 17 (1,189 ) — (1,172 ) Amortization of carrying value adjustment — (3 ) (26 ) — (29 ) Undistributed earnings of non-consolidated affiliates, net (994 ) (771 ) (22 ) 1,765 (22 ) Provision for loan losses — 378 291 — 669 Deferred income taxes (313 ) (390 ) 745 — 42 Stock-based compensation expense 24 — 1 — 25 Other operating activities (299 ) 289 11 — 1 Changes in assets and liabilities: Other assets 18 (347 ) (114 ) — (443 ) Accounts payable and accrued expenses 117 (438 ) 535 — 214 Taxes payable (1 ) — (1 ) — (2 ) Related party payables — — 5 — 5 Net cash (used in) provided by operating activities (657 ) (535 ) 6,073 — 4,881 Cash flows from investing activities Purchases of retail finance receivables, net — (15,847 ) (20,080 ) 18,131 (17,796 ) Principal collections and recoveries on retail finance receivables — 1,542 11,630 — 13,172 Proceeds from transfer of retail finance receivables, net — 13,897 4,234 (18,131 ) — Net funding of commercial finance receivables — (191 ) (2,790 ) — (2,981 ) Purchases of leased vehicles, net — — (19,612 ) — (19,612 ) Proceeds from termination of leased vehicles — — 2,557 — 2,557 Purchases of property and equipment — (82 ) (25 ) — (107 ) Other investing activities — (169 ) (7 ) 169 (7 ) Net change in due from affiliates (8,966 ) (8,508 ) — 17,474 — Net change in investment in affiliates 339 787 — (1,126 ) — Net cash used in investing activities (8,627 ) (8,571 ) (24,093 ) 16,517 (24,774 ) Cash flows from financing activities Net change in debt (original maturities less than three months) 8 — 772 — 780 Borrowings and issuance of secured debt — — 29,590 (169 ) 29,421 Payments on secured debt — — (20,266 ) — (20,266 ) Borrowings and issuance of unsecured debt 10,320 — 2,962 — 13,282 Payments on unsecured debt (1,000 ) — (1,837 ) — (2,837 ) Borrowings on related party line of credit 418 — — — 418 Payments on related party line of credit (418 ) — — — (418 ) Net capital contributions — — (1,126 ) 1,126 — Debt issuance costs (44 ) — (102 ) — (146 ) Net change in due to affiliates — 9,071 8,403 (17,474 ) — Net cash provided by financing activities 9,284 9,071 18,396 (16,517 ) 20,234 Net increase in cash, cash equivalents and restricted cash — (35 ) 376 — 341 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (41 ) — (41 ) Cash, cash equivalents and restricted cash at beginning of period — 2,319 2,683 — 5,002 Cash, cash equivalents and restricted cash at end of period $ — $ 2,284 $ 3,018 $ — $ 5,302 The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 2,284 $ 917 $ — $ 3,201 Restricted cash included in other assets — — 2,101 — 2,101 Total cash, cash equivalents and restricted cash as presented in the consolidating statements of cash flows $ — $ 2,284 $ 3,018 $ — $ 5,302 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 28 3 2,372 — 2,403 Accretion and amortization of loan and leasing fees — 25 (634 ) — (609 ) Amortization of carrying value adjustment — (14 ) (135 ) — (149 ) Undistributed earnings of non-consolidated affiliates, net (941 ) (579 ) (116 ) 1,520 (116 ) Provision for loan losses — 398 226 — 624 Deferred income taxes (189 ) 2 319 — 132 Stock-based compensation expense 33 — 3 — 36 Other operating activities 32 (5 ) (64 ) — (37 ) Changes in assets and liabilities: Other assets (3 ) 25 (397 ) — (375 ) Accounts payable and accrued expenses 100 531 (349 ) — 282 Taxes payable (12 ) 1 (9 ) — (20 ) Related party taxes payable (636 ) — — — (636 ) Related party payables 1 — (14 ) — (13 ) Net cash (used in) provided by operating activities (941 ) 996 2,113 — 2,168 Cash flows from investing activities Purchases of retail finance receivables, net — (13,997 ) (16,981 ) 13,461 (17,517 ) Principal collections and recoveries on retail finance receivables — 755 10,971 — 11,726 Proceeds from transfer of retail finance receivables, net — 10,428 3,033 (13,461 ) — Net funding of commercial finance receivables — 6 (1,023 ) — (1,017 ) Purchases of leased vehicles, net — — (15,337 ) — (15,337 ) Proceeds from termination of leased vehicles — — 1,096 — 1,096 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (21 ) (69 ) — (90 ) Other investing activities — — 30 — 30 Net change in due from affiliates (8,819 ) (5,593 ) — 14,412 — Net change in investment in affiliates (6 ) (1,893 ) — 1,899 — Net cash used in investing activities (9,338 ) (10,726 ) (18,280 ) 16,311 (22,033 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 1,147 — 1,147 Borrowings and issuance of secured debt — — 22,385 — 22,385 Payments on secured debt — — (15,178 ) — (15,178 ) Borrowings and issuance of unsecured debt 9,687 — 3,290 — 12,977 Payments on unsecured debt — — (1,709 ) — (1,709 ) Net capital contributions 649 — 1,899 (1,899 ) 649 Debt issuance costs (58 ) — (97 ) — (155 ) Other 1 — — — 1 Net change in due to affiliates — 9,766 4,646 (14,412 ) — Net cash provided by financing activities 10,279 9,766 16,383 (16,311 ) 20,117 Net increase in cash, cash equivalents and restricted cash — 36 216 — 252 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (295 ) — (295 ) Cash, cash equivalents and restricted cash at beginning of period — 2,283 2,762 — 5,045 Cash, cash equivalents and restricted cash at end of period $ — $ 2,319 $ 2,683 $ — $ 5,002 The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Restricted cash included in other assets — 60 1,881 — 1,941 Total cash, cash equivalents and restricted cash as presented in the consolidating statements of cash flows $ — $ 2,319 $ 2,683 $ — $ 5,002 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2014 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 14 2 976 — 992 Accretion and amortization of loan and leasing fees — 4 (367 ) — (363 ) Amortization of carrying value adjustment — (4 ) (230 ) — (234 ) Undistributed earnings of non-consolidated affiliates, net (757 ) (523 ) — 1,280 — Provision for loan losses — 334 270 — 604 Deferred income taxes 1 127 (211 ) — (83 ) Stock-based compensation expense 18 — 1 — 19 Other operating activities 137 (2 ) 47 — 182 Changes in assets and liabilities, net of assets and liabilities acquired: Other assets (18 ) (14 ) (53 ) — (85 ) Accounts payable and accrued expenses 36 (25 ) 122 — 133 Taxes payable (3 ) — (60 ) — (63 ) Related party taxes payable (7 ) — — — (7 ) Related party payable — — 5 — 5 Net cash (used in) provided by operating activities (42 ) 447 1,232 — 1,637 Cash flows from investing activities Purchases of retail finance receivables, net — (8,220 ) (14,321 ) 7,792 (14,749 ) Principal collections and recoveries on retail finance receivables — (99 ) 10,959 — 10,860 Proceeds from transfer of retail finance receivables, net — 6,369 1,423 (7,792 ) — Net funding of commercial finance receivables — (128 ) (1,770 ) — (1,898 ) Purchases of leased vehicles, net — — (4,882 ) — (4,882 ) Proceeds from termination of leased vehicles — — 533 — 533 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (20 ) (32 ) — (52 ) Other investing activities — — (2 ) — (2 ) Net change in due from affiliates (3,149 ) (443 ) (400 ) 3,992 — Net change in investment in affiliates (357 ) (27 ) — 384 — Net cash used in investing activities (3,552 ) (2,568 ) (8,492 ) 4,376 (10,236 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 470 — 470 Borrowings and issuance of secured debt — — 21,080 — 21,080 Payments on secured debt — — (16,890 ) — (16,890 ) Borrowings and issuance of unsecured debt 3,500 — 3,674 — 7,174 Payments on unsecured debt — — (1,889 ) — (1,889 ) Net capital contribution 996 — 382 (382 ) 996 Debt issuance costs (39 ) — (88 ) — (127 ) Net change in due to affiliates (863 ) 3,989 866 (3,992 ) — Net cash provided by financing activities 3,594 3,989 7,605 (4,374 ) 10,814 Net increase in cash, cash equivalents and restricted cash — 1,868 345 2 2,215 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (199 ) (2 ) (201 ) Cash, cash equivalents and restricted cash at beginning of period — 415 2,616 — 3,031 Cash, cash equivalents and restricted cash at end of period $ — $ 2,283 $ 2,762 $ — $ 5,045

Summary of Significant Accoun46

Summary of Significant Accounting Policies - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2016USD ($)segmentpayment	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Summary of Significant Accounting Policies [Line Items]
Typical repayment period	30 days
Probable loss experience period	10 years
Number of delinquent payments that can be moved | payment	2
Number of additional operating segments | segment	2
Net cash used in operating activities	$ (4,881)	$ (2,168)	$ (1,637)
Net cash used in investing activities	24,774	22,033	10,236
Beginning of period cash and cash equivalents	$ 5,302	5,002	5,045	$ 3,031
North America [Member] | Income Approach Valuation Technique [Member]
Summary of Significant Accounting Policies [Line Items]
Weight applied (percent)	75.00%
North America [Member] | Market Approach Valuation Technique [Member]
Summary of Significant Accounting Policies [Line Items]
Weight applied (percent)	25.00%
North America [Member] | Goodwill [Member]
Summary of Significant Accounting Policies [Line Items]
Concentration risk (percent)	92.00%
Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Credit facility expiration period	6 months
Estimated useful life (in years)	1 year
Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Credit facility expiration period	24 months
Estimated useful life (in years)	30 years
Retail Finance Receivables [Member]
Summary of Significant Accounting Policies [Line Items]
Contractually delinquent period	120 days
Commercial Finance Receivables [Member]
Summary of Significant Accounting Policies [Line Items]
Typical repayment period	90 days
Contractually delinquent period	360 days
Commercial Finance Receivables [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Payment period after loan is called	60 days
Accounting Standards Update 2016-18 [Member] | Scenario, Adjustment [Member]
Summary of Significant Accounting Policies [Line Items]
Net cash used in operating activities		271
Net cash used in investing activities		264	232
Beginning of period cash and cash equivalents		$ 1,900	$ 2,100	$ 2,000

Related Party Transactions - Na

Related Party Transactions - Narrative (Details) - USD ($)	May 31, 2016	Dec. 31, 2016	Dec. 31, 2015	Sep. 30, 2016	Apr. 30, 2016
Related Party Transaction [Line Items]
Related party receivables		$ 510,000,000	$ 573,000,000
Typical repayment period		30 days
Affiliated Entity [Member]
Related Party Transaction [Line Items]
Related party receivables		$ 137,000,000	190,000,000
Tax expense due to related party		$ 0	$ 0
General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity	$ 14,500,000,000				$ 12,500,000,000
Junior Subordinated Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Line of credit facilities - GM Related party facility					1,000,000,000
Amount owed to related parties				$ 415,000,000
Line of Credit [Member]
Related Party Transaction [Line Items]
Debt instrument term		5 years
Line of Credit [Member] | Adam Opel AG [Member]
Related Party Transaction [Line Items]
Related party receivables		$ 456,000,000
Line of Credit [Member] | Revolving Credit Facility [Member] | General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity					$ 4,000,000,000
Line of Credit [Member] | Three Year Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Total borrowing capacity	1,000,000,000
Line of Credit [Member] | Three Year Revolving Credit Facility [Member] | General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity	$ 4,000,000,000
Debt instrument term	3 years
Line of Credit [Member] | Five Year Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Total borrowing capacity	$ 3,000,000,000
Line of Credit [Member] | Five Year Revolving Credit Facility [Member] | General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity	$ 10,500,000,000
Debt instrument term	5 years

Related Party Transactions - Re

Related Party Transactions - Related Party Payables (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Advances drawn on lines of credit due from GM	$ 510	$ 573
Affiliated Entity [Member]
Related Party Transaction [Line Items]
Advances drawn on lines of credit due from GM	137	190
Subvention receivable	373	383
Leased vehicle subvention earned	2,238	1,001	$ 311
Affiliated Entity [Member] | Retail Finance Receivables [Member]
Related Party Transaction [Line Items]
Interest subvention earned	443	313	248
Affiliated Entity [Member] | Commercial Finance Receivables [Member]
Related Party Transaction [Line Items]
Commercial finance receivables, net due from dealers consolidated by GM	401	229
Commercial loan funding payable	389	351
Interest subvention earned	169	175	195
Parent Company [Member]
Related Party Transaction [Line Items]
Revenue from related parties	$ 4,400	$ 3,600	$ 1,200

Acquisition of Equity Interest

Acquisition of Equity Interest - Narrative (Details) - USD ($) $ in Millions	Jan. 02, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Jan. 03, 2015	Dec. 31, 2013
Business Acquisition [Line Items]
Goodwill	$ 371	$ 1,196	$ 1,189	$ 1,244		$ 1,240
Equity income		151	116	$ 0
Pro forma net income			644
SAIC-GMAC [Member]
Business Acquisition [Line Items]
Aggregate consideration	1,000
Ownership percentage					35.00%
Proceeds from sale of interest	$ 125
Equity income		$ 151	116
Pro forma net income			$ 107
SAIC GMAC [Member]
Business Acquisition [Line Items]
Ownership percentage	40.00%
Ownership percentage by noncontrolling owners (percent)	5.00%

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Accrual of finance charge income	$ 807	$ 778
TDR's - subsequent default	$ 26	$ 20	$ 25

Finance Receivables - Finance R

Finance Receivables - Finance Receivables, net (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	$ 43,190	$ 36,781
Fair value of finance receivables	43,140	36,937
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	11,123	8,439	$ 8,072	$ 6,700
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Direct-financing leases	1,300	1,100
Deferred income	191	179
Automobile Loan [Member] | Retail Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	30,989	27,512
Retail finance receivables, individually evaluated for impairment, net of fees	1,921	1,612
Total retail finance receivables	32,910	29,124	$ 25,623	$ 23,130
Less: allowance for loan losses - collective	(517)	(515)
Less: allowance for loan losses - specific	(276)	(220)
Total retail finance receivables, net	32,117	28,389
Automobile Loan [Member] | Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	11,053	8,357
Retail finance receivables, individually evaluated for impairment, net of fees	70	82
Total retail finance receivables	11,123	8,439
Less: allowance for loan losses - collective	(43)	(38)
Less: allowance for loan losses - specific	(7)	(9)
Total retail finance receivables, net	$ 11,073	$ 8,392

Finance Receivables - Finance52

Finance Receivables - Finance Receivables Summary (Details) - Automobile Loan [Member] - Retail Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	$ 29,124	$ 25,623	$ 23,130
Purchases of retail finance receivables	18,054	17,537	15,085
Principal collections and other	(12,633)	(10,968)	(10,234)
Charge-offs	(1,171)	(996)	(914)
Foreign currency translation	(464)	(2,072)	(1,444)
Balance at end of period	$ 32,910	$ 29,124	$ 25,623

Finance Receivables - Allowance

Finance Receivables - Allowance for Loan Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Provision for loan losses	$ 669	$ 624	$ 604
Automobile Loan [Member] | Retail Finance Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	735	655	497
Provision for loan losses	666	612	613
Charge-offs	(1,171)	(996)	(914)
Recoveries	559	486	470
Foreign currency translation	4	(22)	(11)
Balance at end of period	$ 793	$ 735	$ 655

Finance Receivables - Credit Qu

Finance Receivables - Credit Quality (Details) - Retail Finance Receivables [Member] - Automobile Loan [Member] - North America [Member] - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 21,786	$ 18,148
Percent	100.00%	100.00%
Prime - FICO score 680 and greater [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 7,923	$ 4,418
Percent	36.40%	24.40%
Near-prime FICO score 620 to 679 [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 3,468	$ 2,890
Percent	15.90%	15.90%
Sub-prime FICO score Less than 620 [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 10,395	$ 10,840
Percent	47.70%	59.70%

Finance Receivables - Delinquen

Finance Receivables - Delinquency (Details) - Retail Finance Receivables [Member] - Automobile Loan [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
In repossession	$ 51	$ 46
In repossession of contractual amount due (percent)	0.10%	0.20%
Financing receivable and in repossession past due	$ 1,828	$ 1,764
Financing receivable and in repossession past due (percent)	5.50%	6.00%
31 to 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,235	$ 1,237
Financing receivable past due (percent)	3.70%	4.20%
Greater Than 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 542	$ 481
Financing receivable past due (percent)	1.70%	1.60%
30 or More Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,777	$ 1,718
Financing receivable past due (percent)	5.40%	5.80%

Finance Receivables - Troubled

Finance Receivables - Troubled Debt Restructurings (Details) - Automobile Loan [Member] - North America [Member] $ in Millions	12 Months Ended
	Dec. 31, 2016USD ($)loan	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding recorded investment	$ 1,920	$ 1,612
Less: allowance for loan losses	(276)	(220)
Outstanding recorded investment, net of allowance	1,644	1,392
Unpaid principal balance	1,967	1,642
Average outstanding recorded investment	1,766	1,455	$ 996
Finance charge income recognized	$ 205	$ 164	$ 123
Number of loans classified as TDRs during the period | loan	66,926	58,012	49,490
Recorded investment of loans classified as TDRs during the period	$ 1,148	$ 982	$ 794

Finance Receivables - Commercia

Finance Receivables - Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	$ 8,439	$ 8,072	$ 6,700
Net funding	3,017	984	1,889
Charge-offs	(2)	(3)	0
Foreign currency translation	(331)	(614)	(517)
Balance at end of period	$ 11,123	$ 8,439	$ 8,072

Finance Receivables - Credit Ri

Finance Receivables - Credit Risk Profile by Dealer grouping of Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 11,123	$ 8,439	$ 8,072	$ 6,700
Concentration risk (percent)	100.00%	100.00%
Group I [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 1,596	$ 1,299
Concentration risk (percent)	14.30%	15.40%
Group II [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 3,445	$ 2,648
Concentration risk (percent)	31.00%	31.40%
Group III [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 4,039	$ 2,703
Concentration risk (percent)	36.30%	32.00%
Group IV [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 1,231	$ 1,100
Concentration risk (percent)	11.10%	13.00%
Group V [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 642	$ 505
Concentration risk (percent)	5.80%	6.00%
Group VI [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 170	$ 184
Concentration risk (percent)	1.50%	2.20%

Leased Vehicles - Leased Vehicl

Leased Vehicles - Leased Vehicles (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased vehicles	$ 48,581	$ 27,587
Manufacturer subvention	(7,706)	(4,582)
Leased Vehicles Accounted For Operating Leases Net Of Manufacturing Incentives	40,875	23,005	$ 8,268	$ 4,025
Less: accumulated depreciation	(6,349)	(2,833)
Leased vehicles, net	$ 34,526	$ 20,172	$ 7,100

Leased Vehicles - Leased Vehi60

Leased Vehicles - Leased Vehicles Summary (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Leased Vehicles Accounted For Operating Leases, Net [Roll Forward]
Balance at beginning of period	$ 23,005	$ 8,268	$ 4,025
Leased vehicles purchased	25,377	20,199	6,169
Terminated leases	(4,095)	(1,785)	(878)
Leased vehicles returned - default	(358)	(120)	(58)
Manufacturer subvention	(3,111)	(3,169)	(844)
Foreign currency translation	57	(388)	(146)
Balance at end of period	$ 40,875	$ 23,005	$ 8,268

Leased Vehicles - Minimum renta

Leased Vehicles - Minimum rental payments (Details) $ in Millions	Dec. 31, 2016USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,017	$ 5,649
2,018	4,176
2,019	1,869
2,020	180
2,021	4
Total	$ 11,878

Goodwill - Changes in the Carry

Goodwill - Changes in the Carrying Amount of Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Goodwill [Roll Forward]
Balance at beginning of period	$ 1,189	$ 1,244	$ 1,240
Acquisition	0	0	6
Foreign currency translation	7	(55)	(2)
Balance at end of period	1,196	1,189	1,244
North America [Member]
Goodwill [Roll Forward]
Balance at beginning of period	1,105	1,106	1,108
Acquisition	0	0	0
Foreign currency translation	0	(1)	(2)
Balance at end of period	1,105	1,105	1,106
International [Member]
Goodwill [Roll Forward]
Balance at beginning of period	84	138	132
Acquisition	0	0	6
Foreign currency translation	7	(54)	0
Balance at end of period	$ 91	$ 84	$ 138

Equity in Net Assets of Non-c63

Equity in Net Assets of Non-consolidated Affiliates - Summarized Financial Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Schedule of Equity Method Investments [Line Items]
Undistributed earnings of foreign subsidiaries	$ 5	$ 21
SAIC-GMAC [Member]
Schedule of Equity Method Investments [Line Items]
Cash dividends received	129	0
Undistributed earnings of foreign subsidiaries	142	121
Summarized Balance Sheet Data(a):
Finance receivables, net	10,408	9,617
Total assets	11,089	9,802
Debt	6,681	5,789
Total liabilities	9,330	7,973
Summarized Operating Data(a):
Finance charge income	940	971
Provision for loan losses	18	45
Interest expense	257	338
Income before income taxes	570	463
Net income	$ 428	$ 347
Ownership percentage	35.00%

Debt - Narrative (Details)

Debt - Narrative (Details)	12 Months Ended
	Dec. 31, 2016USD ($)	Feb. 07, 2017USD ($)	Nov. 30, 2016EUR (€)	May 31, 2016EUR (€)	Dec. 31, 2015USD ($)
Maximum [Member]
Debt Instrument [Line Items]
Expiration period	24 months
Revolving Credit Facilities [Member] | Maximum [Member]
Debt Instrument [Line Items]
Expiration period	6 years
Senior Notes [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	3.33%
Face amount of debt	$ 29,008,000,000
Medium-term Notes [Member] | Euro Medium Term Note Due May 2020 [Member]
Debt Instrument [Line Items]
Face amount of debt | €				€ 500,000,000
Interest rate (percent)				1.168%
Medium-term Notes [Member] | Floating Rate Euro Medium Term Note Due December 2017 [Member]
Debt Instrument [Line Items]
Face amount of debt | €			€ 100,000,000
Line of Credit [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	7.50%
Debt instrument term	5 years
Line of Credit [Member] | Revolving Credit Facilities [Member]
Debt Instrument [Line Items]
Increase in unsecured committed credit facilities	$ 4,000,000,000
Unsecured Debt [Member]
Debt Instrument [Line Items]
Issuance costs	$ 115,000,000				$ 107,000,000
Secured Debt [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	2.09%
Issuance costs	$ 89,000,000				$ 76,000,000
Secured Debt [Member] | Securitization Notes Payable [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	1.70%
Face amount of debt	$ 16,909,000,000
International [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Increase in unsecured committed credit facilities	22,000,000
Parent Company [Member] | Senior Notes [Member]
Debt Instrument [Line Items]
Face amount of debt	$ 10,300,000,000
Parent Company [Member] | Senior Notes [Member] | Fixed Rate Senior Notes [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	3.38%
Face amount of debt	$ 9,600,000,000
Parent Company [Member] | Senior Notes [Member] | Floating Rate Senior Notes [Member]
Debt Instrument [Line Items]
Face amount of debt	$ 650,000,000
Subsequent Event [Member] | Parent Company [Member] | Senior Notes [Member]
Debt Instrument [Line Items]
Face amount of debt		$ 2,500,000,000
Interest rate (percent)		3.45%
Subsequent Event [Member] | Parent Company [Member] | Senior Notes [Member] | 4.35% Senior Notes Due January 2027 [Member]
Debt Instrument [Line Items]
Face amount of debt		$ 750,000,000
Interest rate (percent)		4.35%
Subsequent Event [Member] | Parent Company [Member] | Senior Notes [Member] | 3.45% Senior Notes Due January 2022 [Member]
Debt Instrument [Line Items]
Face amount of debt		$ 1,250,000,000
Subsequent Event [Member] | Parent Company [Member] | Senior Notes [Member] | Floating Rate Senior Notes Due 2022 [Member]
Debt Instrument [Line Items]
Face amount of debt		$ 500,000,000

Debt - Short Term and Long Term

Debt - Short Term and Long Term Debt (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Short Term and Long Term Debt [Line Items]
Secured debt	$ 39,270	$ 30,689
Secured Debt, Fair Value Disclosure	39,357	30,671
Unsecured debt	34,606	23,657
Unsecured Debt, Fair Value Disclosure	35,220	23,726
Long-term Debt	73,876	54,346
Long-term Debt, Fair Value	74,577	54,397
Fair Value, Inputs, Level 2 [Member]
Short Term and Long Term Debt [Line Items]
Long-term Debt, Fair Value	69,990	48,716
Fair Value, Inputs, Level 3 [Member]
Short Term and Long Term Debt [Line Items]
Long-term Debt, Fair Value	4,587	5,681
Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	9,817	7,548
Secured Debt, Fair Value Disclosure	9,812	7,494
Unsecured debt	3,354	2,759
Unsecured Debt, Fair Value Disclosure	3,354	2,753
Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	28,577	18,973
Unsecured Debt, Fair Value Disclosure	29,182	19,045
Retail Customer Deposits [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,895	1,260
Unsecured Debt, Fair Value Disclosure	1,902	1,262
Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	780	665
Unsecured Debt, Fair Value Disclosure	782	666
Retail Finance Receivables [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	29,453	23,141
Secured Debt, Fair Value Disclosure	$ 29,545	$ 23,177

Debt - Summary of Retail Deposi

Debt - Summary of Retail Deposits (Details) - Germany [Member] - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Outstanding Balance
Overnight deposits	$ 799	$ 555
Term deposits -12 months	423	337
Term deposits - 24 months	281	123
Term deposits - 36 months	392	245
Total deposits	$ 1,895	$ 1,260
Outstanding Balance
Overnight deposits (percent)	0.50%	1.00%
Term deposits - 12 months (percent)	0.93%	1.32%
Term deposits - 24 months (percent)	1.26%	1.44%
Term deposits - 36 months (percent)	1.48%	1.65%
Total deposits (percent)	0.91%	1.25%

Debt - Repayments of Principal

Debt - Repayments of Principal and Interest (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Long-term Debt	$ 73,876	$ 54,346
Interest payments in 2017	1,624
Interest payments in 2018	1,204
Interest payments in 2019	799
Interest payments in 2020	573
Interest payments in 2021	376
Interest payments thereafter	793
Interest payments	5,369
Total repayments in 2017	30,220
Total repayments in 2018	16,944
Total repayments in 2019	12,030
Total repayments in 2020	6,487
Total repayments in 2021	5,474
Total repayments thereafter	8,584
Total repayments of principal and interest	79,739
Secured Debt [Member]
Debt Instrument [Line Items]
Repayments of principal in 2017	21,268
Repayments of principal in 2018	11,573
Repayments of principal in 2019	4,880
Repayments of principal in 2020	1,264
Repayments of principal in 2021	348
Repayments of principal thereafter	0
Long-term Debt	39,333
Unsecured Debt [Member]
Debt Instrument [Line Items]
Repayments of principal in 2017	7,328
Repayments of principal in 2018	4,167
Repayments of principal in 2019	6,351
Repayments of principal in 2020	4,650
Repayments of principal in 2021	4,750
Repayments of principal thereafter	7,791
Long-term Debt	$ 35,037

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($) $ in Billions	Dec. 31, 2016	Dec. 31, 2015
Noncontrolling Interest [Abstract]
Transfers of finance receivables	$ 1.2	$ 1.5
Transfers of finance receivables outstanding balance	$ 1.1	$ 1.4

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities of Consolidated VIE's (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Restricted cash(a)	$ 2,101	$ 1,941
Finance receivables, net of fees	43,190	36,781
Lease related assets	34,526	20,172	$ 7,100
Securitization and Credit Facility VIE [Member]
Variable Interest Entity [Line Items]
Restricted cash(a)	2,067	1,876
Finance receivables, net of fees	29,661	24,942
Lease related assets	19,341	11,684
Secured debt	$ 38,244	$ 29,386

Variable Interest Entities - 70

Variable Interest Entities - Assets and Liabilities of Other VIE's (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Variable Interest Entity [Line Items]
Assets	$ 87,765	$ 65,904
Liabilities	79,072	57,852
Finance receivables, net	43,190	36,781
Secured debt (Note 8; Note 9 VIEs)	39,270	30,689
Other VIE [Member]
Variable Interest Entity [Line Items]
Assets	4,251	3,652
Liabilities	3,559	2,941
Finance receivables, net	3,500	3,200
Secured debt (Note 8; Note 9 VIEs)	$ 3,000	$ 2,600

Variable Interest Entities - Re

Variable Interest Entities - Revenues and Net Income from Entities (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Total revenue	$ 2,692	$ 2,499	$ 2,292	$ 2,075	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 9,558	$ 6,454	$ 4,854
Net income	$ 254	$ 147	$ 189	$ 164	$ 131	$ 179	$ 186	$ 150	754	646	537
Other VIE [Member]
Variable Interest Entity [Line Items]
Total revenue									210	191	192
Net income									$ 29	$ 29	$ 28

Derivative Financial Instrume72

Derivative Financial Instruments and Hedging Activities - Derivative Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Derivatives Designated as Hedges [Member] | Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 3,542	$ 0
Derivative Asset, Fair Value	12	0
Derivatives Designated as Hedges [Member] | Assets [Member] | Fair Value Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	0	0
Derivative Asset, Fair Value	0	0
Derivatives Designated as Hedges [Member] | Assets [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	0	0
Derivative Asset, Fair Value	0	0
Derivatives Designated as Hedges [Member] | Assets [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	3,542	0
Derivative Asset, Fair Value	12	0
Derivatives Designated as Hedges [Member] | Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	9,771	1,000
Derivative Liability, Fair Value	312	6
Derivatives Designated as Hedges [Member] | Liabilities [Member] | Fair Value Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	7,700	1,000
Derivative Liability, Fair Value	276	6
Derivatives Designated as Hedges [Member] | Liabilities [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	791	0
Derivative Liability, Fair Value	33	0
Derivatives Designated as Hedges [Member] | Liabilities [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	1,280	0
Derivative Liability, Fair Value	3	0
Derivatives not Designated as Hedges [Member] | Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	20,712	11,909
Derivative Asset, Fair Value	159	75
Derivatives not Designated as Hedges [Member] | Assets [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,576	1,460
Derivative Asset, Fair Value	78	48
Derivatives not Designated as Hedges [Member] | Assets [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Caps and Floors [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	10,469	6,327
Derivative Asset, Fair Value	26	19
Derivatives not Designated as Hedges [Member] | Assets [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	8,667	4,122
Derivative Asset, Fair Value	55	8
Derivatives not Designated as Hedges [Member] | Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	20,602	13,933
Derivative Liability, Fair Value	64	43
Derivatives not Designated as Hedges [Member] | Liabilities [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	119	0
Derivative Liability, Fair Value	2	0
Derivatives not Designated as Hedges [Member] | Liabilities [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Caps and Floors [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	12,146	5,892
Derivative Liability, Fair Value	26	19
Derivatives not Designated as Hedges [Member] | Liabilities [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	8,337	8,041
Derivative Liability, Fair Value	$ 36	$ 24

Derivative Financial Instrume73

Derivative Financial Instruments and Hedging Activities - Derivatives Income (Losses) Recognized in Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Derivative Instruments, Gain (Loss) [Line Items]
Total	$ 151	$ 28	$ 112
Change in fair value of interest rate contracts	322
Change in fair value debt attributed to hedged risk	287
Cash Flow Hedges [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gains (Losses) Recognized In Accumulated Other Comprehensive Loss	(16)	0	0
Gains Reclassified From Accumulated Other Comprehensive Loss Into Income	33	0	0
Cash Flow Hedges [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gains (Losses) Recognized In Accumulated Other Comprehensive Loss	4	0	0
Gains Reclassified From Accumulated Other Comprehensive Loss Into Income	2	0	0
Cash Flow Hedges [Member] | Foreign Exchange Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gains (Losses) Recognized In Accumulated Other Comprehensive Loss	(20)	0	0
Gains Reclassified From Accumulated Other Comprehensive Loss Into Income	31	0	0
Derivatives Designated as Hedges [Member] | Fair Value Hedges [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedges	(7)	1	0
Derivatives Designated as Hedges [Member] | Cash Flow Hedges [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedges	(4)	0	0
Derivatives Designated as Hedges [Member] | Cash Flow Hedges [Member] | Foreign Exchange Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedges	39	0	0
Derivatives not Designated as Hedges [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Interest rate contracts	14	(15)	(51)
Foreign currency derivatives	$ 109	$ 42	$ 163

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details)	12 Months Ended
	Dec. 31, 2016USD ($)
Commitment and Contingencies [Line Items]
Estimate of possible loss	$ 96,000,000
Loss contingency accrual	35,000,000
Indirect tax contingency	35,000,000
Senior Notes [Member]
Commitment and Contingencies [Line Items]
Face amount of debt	$ 29,008,000,000
Accounts Receivable [Member] | Geographic Concentration Risk [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	16.00%
Accounts Receivable [Member] | U.K. [Member] | Geographic Concentration Risk [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	25.30%
Accounts Receivable [Member] | Germany [Member] | Geographic Concentration Risk [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	20.60%
Accounts Receivable [Member] | Brazil [Member] | Geographic Concentration Risk [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	20.10%
Accounts Receivable [Member] | Mexico [Member] | Geographic Concentration Risk [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	16.40%
Administrative Offices And Other [Member] | Maximum [Member]
Commitment and Contingencies [Line Items]
Term of contract	10 years

Commitments and Contingencies75

Commitments and Contingencies - Lease Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Lease expense	$ 30	$ 28	$ 28

Commitments and Contingencies76

Commitments and Contingencies - Operating Lease Commitments (Details) $ in Millions	Dec. 31, 2016USD ($)
Commitments and Contingencies Disclosure [Abstract]
2,017	$ 38
2,018	45
2,019	41
2,020	37
2,021	35
Thereafter	161
Total	$ 357

Parent Company Stock-Based Co77

Parent Company Stock-Based Compensation - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unamortized compensation expense	$ 42
Unamortized compensation expense period for recognition	1 year 1 month 24 days
Total fair value of awards vested	$ 16	$ 13	$ 9
RSU's settled with cash (in shares)	49,000	254,000	359,000
RSU's settled in cash	$ 2	$ 9	$ 13
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Performance Shares Units (PSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period		3 years

Parent Company Stock-Based Co78

Parent Company Stock-Based Compensation - RSUs Granted Employees and Key Executive Officers Under Parent Company Stock Based Compensation Programs (Details) shares in Thousands	12 Months Ended
	Dec. 31, 2016$ / sharesshares
Shares outstanding
Outstanding at beginning of period (in shares) | shares	2,302
Granted (in shares) | shares	1,057
Forfeited or expired (in shares) | shares	(501)
Settled (in shares) | shares	(31)
Outstanding at end of period (in shares) | shares	2,827
Weighted Average Grant Date Fair Value
Outstanding at beginning of period (in dollars per share) | $ / shares	$ 34.61
Granted (in dollars per share) | $ / shares	31.50
Forfeited or expired (in dollars per share) | $ / shares	34.95
Settled (in dollars per share) | $ / shares	33.93
Outstanding at end of period (in dollars per share) | $ / shares	$ 32.89
Weighted-Average Remaining Contractual Term
RSUs at beginning of period (in years)	1 year 3 months 18 days
RSUs unvested and expected to vest at end of period (in years)	1 year 1 month 6 days
RSU's vested and payable at end of period (in years)	1 year 1 month 6 days
RSUs unvested and expected to vest at end of period (in shares) | shares	1,926
RSUs vested and payable at end of period (in shares) | shares	821
RSUs unvested and expected to vest at end of period (in dollars per share) | $ / shares	$ 33.05
RSUs vested and payable at end of period (in dollars per share) | $ / shares	$ 32.51

Parent Company Stock-Based Co79

Parent Company Stock-Based Compensation - Compensation Expense of Stock-based Incentive Plans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Compensation expense	$ 48	$ 36	$ 19
Income tax benefit	19	13	8
Compensation expense, net of tax	$ 29	$ 23	$ 11

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Compensation expense	$ 20	$ 17	$ 12
Net periodic expense	6	6	$ 6
International [Member]
Defined Benefit Plan Disclosure [Line Items]
Liabilities	$ 118	$ 109

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2014	Dec. 31, 2015
Income Taxes [Line Items]
Undistributed earnings of foreign subsidiaries	$ 5		$ 21
Tax credits	388		131
Valuation allowance	166		104
Increase (decrease) to valuation allowance	62
Unrecognized tax benefits that would impact effective tax rate	38	$ 71	35
Penalties and interest expense		$ 12
Penalties accrued	83		75
Deposit to reduce unrecognized tax benefit liabilities	15		$ 12
Tax Year 2036 [Member]
Income Taxes [Line Items]
Net operating loss carryforward	1,000
Tax credits	388
Tax Year 2032 [Member]
Income Taxes [Line Items]
Net operating loss carryforward	105
Expiring Indefinitely [Member]
Income Taxes [Line Items]
Net operating loss carryforward	97
Italy [Member]
Income Taxes [Line Items]
Increase (decrease) to valuation allowance	19
Foreign Tax Authority [Member]
Income Taxes [Line Items]
Valuation allowance	22
Domestic Tax Authority [Member]
Income Taxes [Line Items]
Valuation allowance	144
Tax credit carryforward valuation allowance	$ 91
Parent Company [Member] | U.S. [Member]
Income Taxes [Line Items]
Deferral period	4 years

Income Taxes - Income Before In

Income Taxes - Income Before Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
U.S. income	$ 336	$ 362	$ 481
Non-U.S. income	426	359	334
Income before income taxes and equity income	$ 762	$ 721	$ 815

Income Taxes - Income Tax Provi

Income Taxes - Income Tax Provision (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Current income tax expense
U.S. federal	$ (1)	$ 13	$ 284
U.S. state and local	0	(5)	14
Non-U.S.	118	51	63
Total current	117	59	361
Deferred income tax expense
U.S. federal	20	95	(87)
U.S. state and local	13	6	(5)
Non-U.S.	9	31	9
Total deferred	42	132	(83)
Total income tax provision	$ 159	$ 191	$ 278

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Rate on Income Before Income Taxes (Details)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
U.S. statutory tax rate	35.00%	35.00%	35.00%
Non-U.S. income taxed at other than 35%	(2.60%)	(3.20%)	(2.20%)
State and local income taxes	2.00%	0.90%	1.20%
U.S. tax on non-U.S. earnings	(10.70%)	(3.20%)	7.20%
Valuation allowance	7.40%	7.10%	(4.90%)
Tax credits and incentives	(9.90%)	(6.60%)	(0.80%)
Other	(0.30%)	(3.50%)	(1.50%)
Effective tax rate	20.90%	26.50%	34.00%

Income Taxes - Deferred Income

Income Taxes - Deferred Income Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets
Net operating loss carryforward - US	$ 1,049	$ 409
Net operating loss carryforward - Non-US	202	189
Market value difference of loan portfolio	105	166
Accruals	135	107
Tax Credits	388	131
Other	113	113
Total deferred tax assets before valuation allowance	1,992	1,115
Less: valuation allowance	(166)	(104)
Total deferred tax assets	1,826	1,011
Deferred tax liabilities
Depreciable assets	1,470	645
Deferred acquisition costs	183	116
Other	119	148
Total deferred tax liabilities	1,772	909
Net deferred tax asset	$ 54	$ 102

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Beginning and Ending Balances of Total Amounts of Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 61	$ 95	$ 130
Additions to prior years' tax positions	4	0	1
Reductions to prior years' tax positions	(6)	(7)	(12)
Additions to current year tax positions	2	1	7
Reductions in tax positions due to lapse of statutory limitations	(5)	(16)	(6)
Settlements	0	(2)	(20)
Foreign currency translation	3
Foreign currency translation		(10)	(5)
Ending balance	$ 59	$ 61	$ 95

Supplemental Cash Flow Inform87

Supplemental Cash Flow Information - Cash Payments For Interest Costs And Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Supplemental Cash Flow Elements [Abstract]
Interest costs (none capitalized)	$ 1,857	$ 1,295	$ 1,120
Income taxes	$ 120	$ 84	$ 127

Supplemental Cash Flow Inform88

Supplemental Cash Flow Information - Noncash Activity (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Supplemental Cash Flow Elements [Abstract]
Subvention receivable from GM	$ 373	$ 383	$ 189
Commercial loan funding payable to GM	$ 389	$ 351	$ 427

Segment Reporting and Geograp89

Segment Reporting and Geographic Information - Narrative (Details)	12 Months Ended
	Dec. 31, 2016segment
Segment Reporting [Abstract]
Number of operating segments	2

Segment Reporting and Geograp90

Segment Reporting and Geographic Information - Operations Reporting by Revenue (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Total revenue	$ 2,692	$ 2,499	$ 2,292	$ 2,075	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 9,558	$ 6,454	$ 4,854
Operating expenses									1,490	1,293	1,162
Leased vehicle expenses									4,529	2,200	847
Provision for loan losses									669	624	604
Interest expense									2,108	1,616	1,426
Equity income									151	116	0
Income before income taxes	$ 194	$ 228	$ 266	$ 225	$ 167	$ 231	$ 225	$ 214	913	837	815
Operating Segments [Member] | North America [Member]
Segment Reporting Information [Line Items]
Total revenue									7,948	4,777	2,909
Operating expenses									891	735	542
Leased vehicle expenses									4,499	2,190	843
Provision for loan losses									566	466	472
Interest expense									1,481	833	459
Equity income									0	0
Income before income taxes									511	553	593
Operating Segments [Member] | International [Member]
Segment Reporting Information [Line Items]
Total revenue									1,610	1,677	1,945
Operating expenses									599	558	620
Leased vehicle expenses									30	10	4
Provision for loan losses									103	158	132
Interest expense									626	722	954
Equity income									151	116
Income before income taxes									403	345	235
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Total revenue									(1)	13	56
Operating expenses									0	0	0
Leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									0	74	69
Equity income									0	0
Income before income taxes									(1)	(61)	(13)
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Total revenue									1	(13)	(56)
Operating expenses									0	0	0
Leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									1	(13)	(56)
Equity income									0	0
Income before income taxes									$ 0	$ 0	$ 0

Segment Reporting and Geograp91

Segment Reporting and Geographic Information - Operations Reporting by Assets (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Finance receivables, net	$ 43,190	$ 36,781
Leased vehicles, net	34,526	20,172	$ 7,100
Total assets	87,765	65,904
North America [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	27,617	21,558
Leased vehicles, net	34,284	20,086
Total assets	68,656	47,419
International [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	15,573	15,223
Leased vehicles, net	242	86
Total assets	$ 19,109	$ 18,485

Segment Reporting and Geograp92

Segment Reporting and Geographic Information - Geographic Information (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue	$ 2,692	$ 2,499	$ 2,292	$ 2,075	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 9,558	$ 6,454	$ 4,854
Long-Lived Assets	34,805				20,391				34,805	20,391	7,232
Leased vehicles, net	34,526				20,172				34,526	20,172	7,100
U.S. [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									7,440	4,324	2,552
Long-Lived Assets	32,506				18,501				32,506	18,501	5,477
Canada [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									508	453	357
Long-Lived Assets	1,982				1,731				1,982	1,731	1,635
Brazil [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									652	757	964
Long-Lived Assets	3				3				3	3	4
Other Countries [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									958	920	981
Long-Lived Assets	$ 314				$ 156				$ 314	$ 156	$ 116

Accumulated Other Comprehensi93

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	$ 8,052
Other comprehensive loss, net of tax	(134)	$ (671)	$ (444)
Balance at end of period	8,693	8,052
AOCI Attributable to Parent [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(1,104)	(433)	11
Balance at end of period	(1,238)	(1,104)	(433)
Unrealized Gain from Cash Flow Hedges [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	0	0	0
Other comprehensive loss, net of tax	17	0	0
Balance at end of period	17	0	0
Defined Benefit Plans [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(13)	(11)	3
Other comprehensive loss, net of tax	(7)	(2)	(14)
Balance at end of period	(20)	(13)	(11)
Foreign Currency Translation Adjustment [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(1,091)	(422)	8
Other comprehensive loss, net of tax	(144)	(669)	(430)
Balance at end of period	$ (1,235)	$ (1,091)	$ (422)

Regulatory Capital and Other 94

Regulatory Capital and Other Regulatory Matters - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 87,765	$ 65,904
International Regulated Bank And Finance Companies [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 12,600	$ 11,100

Regulatory Capital and Other 95

Regulatory Capital and Other Regulatory Matters - Minimum Capital Requirements and Actual Capital Reported (Details)	Dec. 31, 2016
Germany [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Minimum Capital Requirement (percent)	8.63%
Actual Capital (percent)	17.20%
Brazil [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Minimum Capital Requirement (percent)	11.00%
Actual Capital (percent)	16.90%

Quarterly Financial Data (una96

Quarterly Financial Data (unaudited) (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Quarterly Financial Data [Abstract]
Total revenue	$ 2,692	$ 2,499	$ 2,292	$ 2,075	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 9,558	$ 6,454	$ 4,854
Income before income taxes	194	228	266	225	167	231	225	214	913	837	815
Net income	$ 254	$ 147	$ 189	$ 164	$ 131	$ 179	$ 186	$ 150	$ 754	$ 646	$ 537

Guarantor Consolidating Finan97

Guarantor Consolidating Financial Statements - Current Period Guarantor Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015	Jan. 02, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	$ 3,201	$ 3,061
Finance receivables, net	43,190	36,781
Leased vehicles, net	34,526	20,172		$ 7,100
Goodwill	1,196	1,189	$ 371	$ 1,244	$ 1,240
Equity in net assets of non-consolidated affiliates	944	986
Property and equipment, net	279	219
Deferred income taxes	274	231
Related party receivables	510	573
Other assets	3,645	2,692
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	87,765	65,904
Secured debt	39,270	30,689
Unsecured debt	34,606	23,657
Accounts payable and accrued expenses	1,474	1,218
Deferred income	2,365	1,454
Deferred income taxes	220	129
Related party payables	400	362
Other liabilities	737	343
Due to affiliates	0	0
Total liabilities	79,072	57,852
Common stock	0	0
Additional paid-in capital	6,505	6,484
Accumulated other comprehensive loss	(1,238)	(1,104)
Retained earnings	3,426	2,672
Total shareholder's equity	8,693	8,052
Total liabilities and shareholder's equity	87,765	65,904
General Motors Financial Company, Inc. [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Goodwill	1,095	1,095
Equity in net assets of non-consolidated affiliates	0	0
Property and equipment, net	0	0
Deferred income taxes	502	212
Related party receivables	0	0
Other assets	4	32
Due from affiliates	24,548	15,573
Investment in affiliates	8,986	8,476
Total assets	35,135	25,388
Secured debt	0	0
Unsecured debt	26,076	17,087
Accounts payable and accrued expenses	302	181
Deferred income	0	0
Deferred income taxes	0	0
Related party payables	1	0
Other liabilities	63	68
Due to affiliates	0	0
Total liabilities	26,442	17,336
Common stock	0	0
Additional paid-in capital	6,505	6,484
Accumulated other comprehensive loss	(1,238)	(1,104)
Retained earnings	3,426	2,672
Total shareholder's equity	8,693	8,052
Total liabilities and shareholder's equity	35,135	25,388
Guarantor [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	2,284	2,259
Finance receivables, net	4,969	4,808
Leased vehicles, net	0	0
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0	0
Property and equipment, net	152	41
Deferred income taxes	89	0
Related party receivables	25	27
Other assets	643	92
Due from affiliates	16,065	7,556
Investment in affiliates	6,445	6,425
Total assets	30,672	21,208
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	273	717
Deferred income	0	0
Deferred income taxes	0	289
Related party payables	0	0
Other liabilities	417	34
Due to affiliates	24,437	15,495
Total liabilities	25,127	16,535
Common stock	0	0
Additional paid-in capital	79	79
Accumulated other comprehensive loss	(161)	(175)
Retained earnings	5,627	4,769
Total shareholder's equity	5,545	4,673
Total liabilities and shareholder's equity	30,672	21,208
Non-Guarantors [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	917	802
Finance receivables, net	38,221	31,973
Leased vehicles, net	34,526	20,172
Goodwill	101	94
Equity in net assets of non-consolidated affiliates	944	986
Property and equipment, net	127	178
Deferred income taxes	274	179
Related party receivables	485	546
Other assets	3,167	2,568
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	78,762	57,498
Secured debt	39,439	30,689
Unsecured debt	8,530	6,570
Accounts payable and accrued expenses	899	320
Deferred income	2,365	1,454
Deferred income taxes	811	0
Related party payables	399	362
Other liabilities	257	241
Due to affiliates	16,176	7,634
Total liabilities	68,876	47,270
Common stock	698	698
Additional paid-in capital	5,345	6,490
Accumulated other comprehensive loss	(1,223)	(1,095)
Retained earnings	5,066	4,135
Total shareholder's equity	9,886	10,228
Total liabilities and shareholder's equity	78,762	57,498
Eliminations [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0	0
Property and equipment, net	0	0
Deferred income taxes	(591)	(160)
Related party receivables	0	0
Other assets	(169)	0
Due from affiliates	(40,613)	(23,129)
Investment in affiliates	(15,431)	(14,901)
Total assets	(56,804)	(38,190)
Secured debt	(169)	0
Unsecured debt	0	0
Accounts payable and accrued expenses	0	0
Deferred income	0	0
Deferred income taxes	(591)	(160)
Related party payables	0	0
Other liabilities	0	0
Due to affiliates	(40,613)	(23,129)
Total liabilities	(41,373)	(23,289)
Common stock	(698)	(698)
Additional paid-in capital	(5,424)	(6,569)
Accumulated other comprehensive loss	1,384	1,270
Retained earnings	(10,693)	(8,904)
Total shareholder's equity	(15,431)	(14,901)
Total liabilities and shareholder's equity	$ (56,804)	$ (38,190)

Guarantor Consolidating Finan98

Guarantor Consolidating Financial Statements - Guarantor Income Statements (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Condensed Income Statements, Captions [Line Items]
Finance charge income									$ 3,329	$ 3,381	$ 3,475
Leased vehicle income									5,925	2,807	1,090
Other income									304	266	289
Total revenue	$ 2,692	$ 2,499	$ 2,292	$ 2,075	$ 1,878	$ 1,707	$ 1,515	$ 1,354	9,558	6,454	4,854
Salaries and benefits									853	726	614
Other operating expenses									637	567	548
Total operating expenses									1,490	1,293	1,162
Leased vehicle expenses									4,529	2,200	847
Provision for loan losses									669	624	604
Interest expense									2,108	1,616	1,426
Total costs and expenses									8,796	5,733	4,039
Equity income									151	116	0
Income before income taxes	194	228	266	225	167	231	225	214	913	837	815
Income tax (benefit) provision									159	191	278
Net income	$ 254	$ 147	$ 189	$ 164	$ 131	$ 179	$ 186	$ 150	754	646	537
Comprehensive (loss) income									620	(25)	93
General Motors Financial Company, Inc. [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									0	0	0
Leased vehicle income									0	0	0
Other income									(1)	13	68
Total revenue									(1)	13	68
Salaries and benefits									0	0	0
Other operating expenses									2	64	159
Total operating expenses									2	64	159
Leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									557	488	232
Total costs and expenses									559	552	391
Equity income									994	941	757
Income before income taxes									434	402	434
Income tax (benefit) provision									(320)	(244)	(103)
Net income									754	646	537
Comprehensive (loss) income									620	(25)	93
Guarantor [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									432	403	194
Leased vehicle income									0	0	0
Other income									883	505	432
Total revenue									1,315	908	626
Salaries and benefits									597	332	249
Other operating expenses									200	105	(17)
Total operating expenses									797	437	232
Leased vehicle expenses									0	0	0
Provision for loan losses									378	398	334
Interest expense									296	18	23
Total costs and expenses									1,471	853	589
Equity income									771	579	523
Income before income taxes									615	634	560
Income tax (benefit) provision									(89)	25	12
Net income									704	609	548
Comprehensive (loss) income									718	498	491
Non-Guarantors [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									2,897	2,978	3,281
Leased vehicle income									5,925	2,807	1,090
Other income									97	139	178
Total revenue									8,919	5,924	4,549
Salaries and benefits									256	394	365
Other operating expenses									837	649	657
Total operating expenses									1,093	1,043	1,022
Leased vehicle expenses									4,529	2,200	847
Provision for loan losses									291	226	270
Interest expense									1,528	1,250	1,309
Total costs and expenses									7,441	4,719	3,448
Equity income									151	116	0
Income before income taxes									1,629	1,321	1,101
Income tax (benefit) provision									568	410	369
Net income									1,061	911	732
Comprehensive (loss) income									933	225	298
Eliminations [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									0	0	0
Leased vehicle income									0	0	0
Other income									(675)	(391)	(389)
Total revenue									(675)	(391)	(389)
Salaries and benefits									0	0	0
Other operating expenses									(402)	(251)	(251)
Total operating expenses									(402)	(251)	(251)
Leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									(273)	(140)	(138)
Total costs and expenses									(675)	(391)	(389)
Equity income									(1,765)	(1,520)	(1,280)
Income before income taxes									(1,765)	(1,520)	(1,280)
Income tax (benefit) provision									0	0	0
Net income									(1,765)	(1,520)	(1,280)
Comprehensive (loss) income									$ (1,651)	$ (723)	$ (789)

Guarantor Consolidating Finan99

Guarantor Consolidating Financial Statements - Guarantor Cash Flow (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities
Net income	$ 254	$ 147	$ 189	$ 164	$ 131	$ 179	$ 186	$ 150	$ 754	$ 646	$ 537
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									4,839	2,403	992
Accretion and amortization of loan and leasing fees									(1,172)	(609)	(363)
Amortization of carrying value adjustment									(29)	(149)	(234)
Undistributed earnings of non-consolidated affiliates, net									(22)	(116)	0
Provision for loan losses									669	624	604
Deferred income taxes									42	132	(83)
Stock-based compensation expense									25	36	19
Other operating activities									1	(37)	182
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									(443)	(375)	(85)
Accounts payable and accrued expenses									214	282	133
Taxes payable									(2)	(20)	(63)
Related party taxes payable									0	(636)	(7)
Related party payables									5	(13)	5
Net cash provided by operating activities									4,881	2,168	1,637
Cash flows from investing activities
Purchases of retail finance receivables, net									(17,796)	(17,517)	(14,749)
Principal collections and recoveries on retail finance receivables									13,172	11,726	10,860
Proceeds from transfer of retail finance receivables, net									0	0	0
Net funding of commercial finance receivables									(2,981)	(1,017)	(1,898)
Purchases of leased vehicles, net									(19,612)	(15,337)	(4,882)
Proceeds from termination of leased vehicles									2,557	1,096	533
Acquisition of international operations									0	(1,049)	(46)
Disposition of equity interest									0	125	0
Purchases of property and equipment									(107)	(90)	(52)
Other investing activities									(7)	30	(2)
Net change in due from affiliates									0	0	0
Net change in investment in affiliates									0	0	0
Net cash used in investing activities									(24,774)	(22,033)	(10,236)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									780	1,147	470
Borrowings and issuance of secured debt									29,421	22,385	21,080
Payments on secured debt									(20,266)	(15,178)	(16,890)
Borrowings and issuance of unsecured debt									13,282	12,977	7,174
Payments on unsecured debt									(2,837)	(1,709)	(1,889)
Borrowings on related party line of credit									418	0	0
Payments on related party line of credit									(418)	0	0
Capital contributions									0	649	996
Debt issuance costs									(146)	(155)	(127)
Other									0	1	0
Net change in due to affiliates									0	0	0
Net cash provided by financing activities									20,234	20,117	10,814
Net increase in cash, cash equivalents and restricted cash									341	252	2,215
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash									(41)	(295)	(201)
Cash, cash equivalents and restricted cash at beginning of period				5,002				5,045	5,002	5,045	3,031
Cash, cash equivalents and restricted cash at end of period	5,302				5,002				5,302	5,002	5,045
Supplemental Cash Flow Elements
Cash and cash equivalents												$ 3,201	$ 3,061
Restricted cash included in other assets												2,101	1,941
Total cash, cash equivalents and restricted cash as presented in the consolidated statements of cash flows	5,302			5,002	5,002			5,045	5,002	5,045	3,031	5,302	5,002
General Motors Financial Company, Inc. [Member]
Cash flows from operating activities
Net income									754	646	537
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									37	28	14
Accretion and amortization of loan and leasing fees									0	0	0
Amortization of carrying value adjustment									0	0	0
Undistributed earnings of non-consolidated affiliates, net									(994)	(941)	(757)
Provision for loan losses									0	0	0
Deferred income taxes									(313)	(189)	1
Stock-based compensation expense									24	33	18
Other operating activities									(299)	32	137
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									18	(3)	(18)
Accounts payable and accrued expenses									117	100	36
Taxes payable									(1)	(12)	(3)
Related party taxes payable										(636)	(7)
Related party payables									0	1	0
Net cash provided by operating activities									(657)	(941)	(42)
Cash flows from investing activities
Purchases of retail finance receivables, net									0	0	0
Principal collections and recoveries on retail finance receivables									0	0	0
Proceeds from transfer of retail finance receivables, net									0	0	0
Net funding of commercial finance receivables									0	0	0
Purchases of leased vehicles, net									0	0	0
Proceeds from termination of leased vehicles									0	0	0
Acquisition of international operations										(513)	(46)
Disposition of equity interest										0
Purchases of property and equipment									0	0	0
Other investing activities									0	0	0
Net change in due from affiliates									(8,966)	(8,819)	(3,149)
Net change in investment in affiliates									339	(6)	(357)
Net cash used in investing activities									(8,627)	(9,338)	(3,552)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									8	0	0
Borrowings and issuance of secured debt									0	0	0
Payments on secured debt									0	0	0
Borrowings and issuance of unsecured debt									10,320	9,687	3,500
Payments on unsecured debt									(1,000)	0	0
Borrowings on related party line of credit									418
Payments on related party line of credit									(418)
Capital contributions									0	649	996
Debt issuance costs									(44)	(58)	(39)
Other										1
Net change in due to affiliates									0	0	(863)
Net cash provided by financing activities									9,284	10,279	3,594
Net increase in cash, cash equivalents and restricted cash									0	0	0
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash									0	0	0
Cash, cash equivalents and restricted cash at beginning of period				0				0	0	0	0
Cash, cash equivalents and restricted cash at end of period	0				0				0	0	0
Supplemental Cash Flow Elements
Cash and cash equivalents												0	0
Restricted cash included in other assets												0	0
Total cash, cash equivalents and restricted cash as presented in the consolidated statements of cash flows	0			0	0			0	0	0	0	0	0
Guarantor [Member]
Cash flows from operating activities
Net income									704	609	548
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									26	3	2
Accretion and amortization of loan and leasing fees									17	25	4
Amortization of carrying value adjustment									(3)	(14)	(4)
Undistributed earnings of non-consolidated affiliates, net									(771)	(579)	(523)
Provision for loan losses									378	398	334
Deferred income taxes									(390)	2	127
Stock-based compensation expense									0	0	0
Other operating activities									289	(5)	(2)
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									(347)	25	(14)
Accounts payable and accrued expenses									(438)	531	(25)
Taxes payable									0	1	0
Related party taxes payable										0	0
Related party payables									0	0	0
Net cash provided by operating activities									(535)	996	447
Cash flows from investing activities
Purchases of retail finance receivables, net									(15,847)	(13,997)	(8,220)
Principal collections and recoveries on retail finance receivables									1,542	755	(99)
Proceeds from transfer of retail finance receivables, net									13,897	10,428	6,369
Net funding of commercial finance receivables									(191)	6	(128)
Purchases of leased vehicles, net									0	0	0
Proceeds from termination of leased vehicles									0	0	0
Acquisition of international operations										(536)	0
Disposition of equity interest										125
Purchases of property and equipment									(82)	(21)	(20)
Other investing activities									(169)	0	0
Net change in due from affiliates									(8,508)	(5,593)	(443)
Net change in investment in affiliates									787	(1,893)	(27)
Net cash used in investing activities									(8,571)	(10,726)	(2,568)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									0	0	0
Borrowings and issuance of secured debt									0	0	0
Payments on secured debt									0	0	0
Borrowings and issuance of unsecured debt									0	0	0
Payments on unsecured debt									0	0	0
Borrowings on related party line of credit									0
Payments on related party line of credit									0
Capital contributions									0	0	0
Debt issuance costs									0	0	0
Other										0
Net change in due to affiliates									9,071	9,766	3,989
Net cash provided by financing activities									9,071	9,766	3,989
Net increase in cash, cash equivalents and restricted cash									(35)	36	1,868
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash									0	0	0
Cash, cash equivalents and restricted cash at beginning of period				2,319				2,283	2,319	2,283	415
Cash, cash equivalents and restricted cash at end of period	2,284				2,319				2,284	2,319	2,283
Supplemental Cash Flow Elements
Cash and cash equivalents												2,284	2,259
Restricted cash included in other assets												0	60
Total cash, cash equivalents and restricted cash as presented in the consolidated statements of cash flows	2,284			2,319	2,319			2,283	2,319	2,283	415	2,284	2,319
Non-Guarantors [Member]
Cash flows from operating activities
Net income									1,061	911	732
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									4,776	2,372	976
Accretion and amortization of loan and leasing fees									(1,189)	(634)	(367)
Amortization of carrying value adjustment									(26)	(135)	(230)
Undistributed earnings of non-consolidated affiliates, net									(22)	(116)	0
Provision for loan losses									291	226	270
Deferred income taxes									745	319	(211)
Stock-based compensation expense									1	3	1
Other operating activities									11	(64)	47
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									(114)	(397)	(53)
Accounts payable and accrued expenses									535	(349)	122
Taxes payable									(1)	(9)	(60)
Related party taxes payable										0	0
Related party payables									5	(14)	5
Net cash provided by operating activities									6,073	2,113	1,232
Cash flows from investing activities
Purchases of retail finance receivables, net									(20,080)	(16,981)	(14,321)
Principal collections and recoveries on retail finance receivables									11,630	10,971	10,959
Proceeds from transfer of retail finance receivables, net									4,234	3,033	1,423
Net funding of commercial finance receivables									(2,790)	(1,023)	(1,770)
Purchases of leased vehicles, net									(19,612)	(15,337)	(4,882)
Proceeds from termination of leased vehicles									2,557	1,096	533
Acquisition of international operations										0	0
Disposition of equity interest										0
Purchases of property and equipment									(25)	(69)	(32)
Other investing activities									(7)	30	(2)
Net change in due from affiliates									0	0	(400)
Net change in investment in affiliates									0	0	0
Net cash used in investing activities									(24,093)	(18,280)	(8,492)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									772	1,147	470
Borrowings and issuance of secured debt									29,590	22,385	21,080
Payments on secured debt									(20,266)	(15,178)	(16,890)
Borrowings and issuance of unsecured debt									2,962	3,290	3,674
Payments on unsecured debt									(1,837)	(1,709)	(1,889)
Borrowings on related party line of credit									0
Payments on related party line of credit									0
Capital contributions									(1,126)	1,899	382
Debt issuance costs									(102)	(97)	(88)
Other										0
Net change in due to affiliates									8,403	4,646	866
Net cash provided by financing activities									18,396	16,383	7,605
Net increase in cash, cash equivalents and restricted cash									376	216	345
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash									(41)	(295)	(199)
Cash, cash equivalents and restricted cash at beginning of period				2,683				2,762	2,683	2,762	2,616
Cash, cash equivalents and restricted cash at end of period	3,018				2,683				3,018	2,683	2,762
Supplemental Cash Flow Elements
Cash and cash equivalents												917	802
Restricted cash included in other assets												2,101	1,881
Total cash, cash equivalents and restricted cash as presented in the consolidated statements of cash flows	3,018			2,683	2,683			2,762	2,683	2,762	2,616	3,018	2,683
Eliminations [Member]
Cash flows from operating activities
Net income									(1,765)	(1,520)	(1,280)
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									0	0	0
Accretion and amortization of loan and leasing fees									0	0	0
Amortization of carrying value adjustment									0	0	0
Undistributed earnings of non-consolidated affiliates, net									1,765	1,520	1,280
Provision for loan losses									0	0	0
Deferred income taxes									0	0	0
Stock-based compensation expense									0	0	0
Other operating activities									0	0	0
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									0	0	0
Accounts payable and accrued expenses									0	0	0
Taxes payable									0	0	0
Related party taxes payable										0	0
Related party payables									0	0	0
Net cash provided by operating activities									0	0	0
Cash flows from investing activities
Purchases of retail finance receivables, net									18,131	13,461	7,792
Principal collections and recoveries on retail finance receivables									0	0	0
Proceeds from transfer of retail finance receivables, net									(18,131)	(13,461)	(7,792)
Net funding of commercial finance receivables									0	0	0
Purchases of leased vehicles, net									0	0	0
Proceeds from termination of leased vehicles									0	0	0
Acquisition of international operations										0	0
Disposition of equity interest										0
Purchases of property and equipment									0	0	0
Other investing activities									169	0	0
Net change in due from affiliates									17,474	14,412	3,992
Net change in investment in affiliates									(1,126)	1,899	384
Net cash used in investing activities									16,517	16,311	4,376
Cash flows from financing activities
Net change in debt (original maturities less than three months)									0	0	0
Borrowings and issuance of secured debt									(169)	0	0
Payments on secured debt									0	0	0
Borrowings and issuance of unsecured debt									0	0	0
Payments on unsecured debt									0	0	0
Borrowings on related party line of credit									0
Payments on related party line of credit									0
Capital contributions									1,126	(1,899)	(382)
Debt issuance costs									0	0	0
Other										0
Net change in due to affiliates									(17,474)	(14,412)	(3,992)
Net cash provided by financing activities									(16,517)	(16,311)	(4,374)
Net increase in cash, cash equivalents and restricted cash									0	0	2
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash									0	0	(2)
Cash, cash equivalents and restricted cash at beginning of period				0				0	0	0	0
Cash, cash equivalents and restricted cash at end of period	0				0				0	0	0
Supplemental Cash Flow Elements
Cash and cash equivalents												0	0
Restricted cash included in other assets												0	0
Total cash, cash equivalents and restricted cash as presented in the consolidated statements of cash flows	$ 0			$ 0	$ 0			$ 0	$ 0	$ 0	$ 0	$ 0	$ 0