General Motors Financial (ACF) 10-Q23 Jul 152015 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information Document - shares	6 Months Ended
Document and Entity Information Document - shares	Jun. 30, 2015	Jul. 23, 2015
Document and Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
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

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 2,070	$ 2,974
Finance receivables, net	34,385	33,000
Leased vehicles, net	12,904	7,060
Restricted cash	1,856	2,071
Goodwill	1,243	1,244
Equity in net assets of non-consolidated affiliates	978	0
Property and equipment, net of accumulated depreciation of $74 and $59	202	172
Deferred income taxes	283	341
Related party receivables	588	384
Other assets	821	478
Total assets	55,330	47,724
Liabilities:
Secured debt	26,617	25,214
Unsecured debt	17,713	12,217
Accounts payable and accrued expenses	1,138	1,002
Deferred income	844	392
Deferred income taxes	70	20
Related party taxes payable	636	636
Related party payables	429	433
Other liabilities	380	418
Total liabilities	$ 47,827	$ 40,332
Commitments and contingencies
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	5,815	5,799
Accumulated other comprehensive loss	(674)	(433)
Retained earnings	2,362	2,026
Total shareholder's equity	7,503	7,392
Total liabilities and shareholder's equity	$ 55,330	$ 47,724

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Common Stock, Number of Shares, Par Value and Other Disclosures [Abstract]
Entity common stock, shares authorized	1,000	1,000
Entity common stock, shares issued	505	505
Common stock par value per share	$ 1	$ 1
Accumulated depreciation	$ 74	$ 59

Condensed Consolidated Statemen

Condensed Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Revenue
Finance charge income	$ 848	$ 882	$ 1,702	$ 1,712
Leased vehicle income	599	238	1,030	438
Other income	68	71	137	138
Total revenue	1,515	1,191	2,869	2,288
Costs and expenses
Salaries and benefits	181	154	346	290
Other operating expenses	138	126	279	259
Total operating expenses	319	280	625	549
Leased vehicle expenses	467	179	794	335
Provision for loan losses	141	113	296	248
Interest expense	391	354	771	669
Total costs and expenses	1,318	926	2,486	1,801
Equity income	28	0	56	0
Income before income taxes	225	265	439	487
Income tax provision	39	90	103	167
Net income	186	175	336	320
Other comprehensive income (loss)
Defined benefit plans, net	0	0	1	0
Foreign currency translation adjustment	105	49	(242)	54
Other comprehensive (loss) income, net	105	49	(241)	54
Comprehensive income	$ 291	$ 224	$ 95	$ 374

Condensed Consolidated Stateme5

Condensed Consolidated Statements Of Cash Flows - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Statement of Cash Flows [Abstract]
Net cash provided by operating activities	$ 1,265	$ 846
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(8,366)	(6,827)
Principal collections and recoveries on consumer finance receivables	5,716	5,300
Net funding of commercial finance receivables	(37)	(239)
Purchases of leased vehicles, net	(6,724)	(1,856)
Proceeds from termination of leased vehicles	468	264
Acquisition of international operations	(1,049)	(46)
Disposition of equity interest	125	0
Purchases of property and equipment	(44)	(15)
Change in restricted cash	(140)	(236)
Change in other assets	17	(2)
Net cash used in investing activities	(10,034)	(3,657)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	(150)	278
Borrowings and issuance of secured debt	9,791	10,722
Payments on secured debt	(7,406)	(8,445)
Borrowings and issuance of unsecured debt	6,697	1,472
Payments on unsecured debt	(871)	(838)
Debt issuance costs	(101)	(49)
Net cash provided by financing activities	7,960	3,140
Net (decrease) increase in cash and cash equivalents	(809)	329
Effect of foreign exchange rate changes on cash and cash equivalents	(95)	9
Cash and cash equivalents at beginning of period	2,974	1,074
Cash and cash equivalents at end of period	2,070	1,412
Supplemental cash flow information:
Subvention receivable from GM	399	147
Commercial loan funding payable to GM	$ 401	$ 427

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
Summary of Significant Accounting Policies	Jun. 30, 2015
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Basis of Presentation The condensed 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 variable interest entities ("VIEs"). All intercompany transactions and balances have been eliminated in consolidation. The interim period consolidated financial statements, including the notes thereto, are condensed and do not include all disclosures required by generally accepted accounting principles ("GAAP") in the United States of America. These interim period condensed consolidated financial statements should be read in conjunction with the consolidated financial statements that are included in our Annual Report on Form 10-K filed on February 4, 2015 ("Form 10-K"). Certain prior periods amounts were reclassified to conform to our current year presentation. The condensed consolidated financial statements at June 30, 2015 , and for the three and six months ended June 30, 2015 and 2014 , are unaudited and, in management’s opinion, include all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of the results for such interim periods. The results for interim periods are not necessarily indicative of results for a full year. Subsequent to the issuance of our condensed consolidated financial statements as of and for the six months ended June 30, 2014 , we identified items not properly classified in the condensed consolidated statements of cash flows. The adjustments to previously reported amounts within the condensed consolidated statement of cash flows, which had no impact on cash and cash equivalents at June 30, 2014, had a net effect of decreasing net cash provided by operating activities by $58 million and decreasing net cash used in investing activities by $58 million , and were principally related to net funding of commercial finance receivables. Segment 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: North America (the "North America Segment") and international (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. For additional financial information regarding our business segments, see Note 13 - "Segment Reporting." Related Party Transactions We are the wholly-owned captive finance subsidiary of General Motors Company ("GM"). We offer loan and lease finance products through GM-franchised dealers to consumers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on consumer loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. At June 30, 2015 and December 31, 2014 , we had related party receivables from GM in the amount of $588 million and $384 million , primarily related to subvention. At June 30, 2015 and December 31, 2014 we had $176 million in commercial loans outstanding to dealers that are consolidated by GM. Prior to January 1, 2015, we provided financing to certain GM subsidiaries through factoring and other wholesale financing arrangements. At December 31, 2014 , $289 million was outstanding under such arrangements, and was included in commercial finance receivables. No amounts were outstanding at June 30, 2015 . At June 30, 2015 and December 31, 2014 , we had $429 million and $433 million of related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . We have a tax sharing agreement with GM for our U.S. operations. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2012 through 2014 were deferred for four years from their original due date. At June 30, 2015 and December 31, 2014 , $636 million was due to GM under the related party tax sharing agreement. We have a Support Agreement with GM (the “Support Agreement”), which provides that, if our earning assets leverage at the end of any calendar quarter is higher than thresholds set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage to within the appropriate threshold. In determining our earning assets leverage (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. At June 30, 2015 , our earning assets leverage ratio was 7.5 , which is below the applicable ratio of 8.0 . 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 on $4.0 billion under GM’s corporate revolving credit facilities. GM also agreed to certain provisions intended to ensure that we maintain adequate access to liquidity. Pursuant to these provisions, GM provided us with a $1.0 billion unsecured intercompany revolving credit facility (the “Junior Subordinated Revolving Credit Facility”). There were no advances outstanding under the Junior Subordinated Revolving Credit Facility at June 30, 2015 or December 31, 2014 . Accounting Standards Not Yet Adopted In May 2014 the Financial Accounting Standards Board issued ASU 2014-09, “Revenue Recognition - Revenue from Contracts with Customers” ("ASU 2014-09") that requires companies to recognize revenue when a customer obtains control rather than when companies have transferred substantially all risks and rewards of a good or service. This update was originally effective for annual reporting periods beginning on or after December 15, 2016 and interim periods therein and requires expanded disclosures. In July 2015 the FASB issued a deferral of ASU 2014-09 of one year making it effective for annual reporting periods beginning on or after December 15, 2017 while also providing for early adoption but not before the original effective date. We are currently assessing the impact the adoption of ASU 2014-09 will have on our consolidated financial statements. In April 2015 the Financial Accounting Standards Board issued ASU 2015-03, “Interest - Imputation of Interest” ("ASU 2015-03") that requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. This update is effective for annual reporting periods beginning on or after December 15, 2015 and interim periods within fiscal years beginning after December 15, 2016. We are currently assessing the impact that the adoption of ASU 2015-03 will have on our consolidated financial statements.

Acquisition of Ally Financial I

Acquisition of Ally Financial International Operations	6 Months Ended
Acquisition of Ally Financial International Operations	Jun. 30, 2015
Business Combinations [Abstract]
Acquisition of Ally Financial International Operations	Acquisition of Ally Financial International Operations In November 2012, we entered into a definitive agreement with Ally Financial to acquire the outstanding equity interests in the top-level holding companies of its automotive finance and financial services operations in Europe and Latin America and a separate agreement to acquire Ally Financial's non-controlling equity interest in SAIC-GMAC Automotive Finance Company Limited ("SAIC-GMAC"), which conducts auto finance operations in China. During 2013, we completed the acquisition of Ally Financial's European and Latin American auto finance and financial services operations. The aggregate consideration for these acquisitions was $3.3 billion . In addition, we repaid debt of $1.4 billion that was assumed as part of the acquisitions. We recorded the fair value of the assets acquired and liabilities assumed on the acquisition date. 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 Shanghai Automotive Group Finance Company Ltd. (“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 was $371 million at the time of acquisition, 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. Income resulting from the equity investment in SAIC-GMAC is included in our results beginning January 2, 2015. Equity income from SAIC-GMAC recorded in the three and six months ended June 30, 2015 was $28 million and $56 million . If the acquisition had occurred on January 1, 2014, our consolidated net income for the three and six months ended June 30, 2014 would have been $204 million and $378 million .

Finance Receivables

Finance Receivables	6 Months Ended
Finance Receivables	Jun. 30, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables	Finance Receivables Our pre-acquisition and post-acquisition consumer finance portfolios are now reported on a combined basis, due to the diminished size of the pre-acquisition portfolio, which was $269 million at June 30, 2015 and $459 million at December 31, 2014 . The finance receivables portfolio consists of the following (in millions): June 30, 2015 December 31, 2014 North America International Total North America International Total Consumer Consumer finance receivables, collectively evaluated for impairment, net of fees (a) $ 14,091 $ 11,840 $ 25,931 $ 12,127 $ 12,262 $ 24,389 Consumer finance receivables, individually evaluated for impairment, net of fees 1,399 — 1,399 1,234 — 1,234 Total consumer finance receivables (b) 15,490 11,840 27,330 13,361 12,262 25,623 Less: allowance for loan losses - collective (424 ) (94 ) (518 ) (405 ) (78 ) (483 ) Less: allowance for loan losses - specific (203 ) — (203 ) (172 ) — (172 ) Total consumer finance receivables, net 14,863 11,746 26,609 12,784 12,184 24,968 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 3,515 4,243 7,758 3,180 4,803 7,983 Commercial finance receivables, individually evaluated for impairment, net of fees — 57 57 — 89 89 Total commercial finance receivables 3,515 4,300 7,815 3,180 4,892 8,072 Less: allowance for loan losses - collective (22 ) (12 ) (34 ) (21 ) (14 ) (35 ) Less: allowance for loan losses - specific — (5 ) (5 ) — (5 ) (5 ) Total commercial finance receivables, net 3,493 4,283 7,776 3,159 4,873 8,032 Total finance receivables, net $ 18,356 $ 16,029 $ 34,385 $ 15,943 $ 17,057 $ 33,000 ________________ (a) Amounts reported for International include $1.1 billion and $1.0 billion of direct-financing leases at June 30, 2015 and December 31, 2014 . (b) Net of unamortized premiums and discounts, and deferred fees and costs of $164 million and $245 million at June 30, 2015 and December 31, 2014 . Consumer Finance Receivables Following is a summary of activity in our consumer finance receivables portfolio (in millions): Six Months Ended June 30, 2015 2014 North America International Total North America International Total Consumer finance receivables, net of fees - beginning of period $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 Loans purchased 4,915 3,451 8,366 2,917 4,128 7,045 Principal collections and other (2,393 ) (2,901 ) (5,294 ) (2,052 ) (2,987 ) (5,039 ) Charge-offs (388 ) (66 ) (454 ) (349 ) (66 ) (415 ) Foreign currency translation (5 ) (906 ) (911 ) — 325 325 Balance at end of period $ 15,490 $ 11,840 $ 27,330 $ 11,904 $ 13,142 $ 25,046 A summary of the activity in the allowance for consumer loan losses is as follows (in millions): Three Months Ended June 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 605 $ 87 $ 692 $ 491 $ 46 $ 537 Provision for loan losses 110 29 139 89 33 122 Charge-offs (188 ) (32 ) (220 ) (157 ) (34 ) (191 ) Recoveries 100 11 111 92 15 107 Foreign currency translation — (1 ) (1 ) — — — Balance at end of period $ 627 $ 94 $ 721 $ 515 $ 60 $ 575 Six Months Ended June 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 Provision for loan losses 228 68 296 193 66 259 Charge-offs (388 ) (66 ) (454 ) (349 ) (66 ) (415 ) Recoveries 210 23 233 203 31 234 Foreign currency translation — (9 ) (9 ) — — — Balance at end of period $ 627 $ 94 $ 721 $ 515 $ 60 $ 575 Consumer 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. In addition to our proprietary scoring system, we consider other individual consumer factors, such as employment history, financial stability, and capacity to pay. At the time of loan origination, substantially all of our international consumers 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 are expanding our prime and near prime lending programs. A summary of the credit risk profile by FICO score band, determined at origination, of the consumer finance receivables in the North America Segment is as follows (dollars in millions): June 30, 2015 December 31, 2014 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 1,915 12.4 % $ 596 4.4 % Near Prime - FICO Score 620 to 679 2,555 16.5 1,691 12.7 Sub-prime - FICO Score less than 620 11,020 71.1 11,074 82.9 Balance at end of period $ 15,490 100.0 % $ 13,361 100.0 % In addition we review the credit quality of all of our consumer finance receivables based on consumer payment activity. A consumer account is considered delinquent if a substantial portion of a scheduled payment has not been received by the date such payment was contractually due. Consumer 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 consumer defaults on the payment terms of the contract. The following is a summary of the contractual amounts of delinquent consumer finance receivables, which is not significantly different than recorded investment, that are (i) more than 30 days delinquent, but not yet in repossession and (ii) in repossession, but not yet charged off (dollars in millions): June 30, 2015 June 30, 2014 North America International Total Percent of Contractual Amount Due North America International Total Percent of Contractual Amount Due 31 - 60 days $ 917 $ 145 $ 1,062 3.6 % $ 756 $ 130 $ 886 3.5 % Greater than 60 days 318 134 452 1.6 255 133 388 1.6 1,235 279 1,514 5.2 1,011 263 1,274 5.1 In repossession 39 7 46 0.2 35 5 40 0.1 $ 1,274 $ 286 $ 1,560 5.4 % $ 1,046 $ 268 $ 1,314 5.2 % The accrual of finance charge income has been suspended on $694 million and $682 million of consumer finance receivables (based on contractual amount due) at June 30, 2015 and December 31, 2014 . Impaired Consumer Finance Receivables - TDRs Consumer 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. The financial effects of the accounts that become classified as TDRs result in an impairment charge recorded as part of the provision for loan losses. Accounts that become classified as TDRs because of a payment deferral still 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 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 June 30, 2015 and December 31, 2014 , the outstanding balance of consumer 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 (in millions): June 30, 2015 December 31, 2014 Outstanding recorded investment $ 1,399 $ 1,234 Less: allowance for loan losses (203 ) (172 ) Outstanding recorded investment, net of allowance $ 1,196 $ 1,062 Unpaid principal balance $ 1,426 $ 1,255 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Average recorded investment $ 1,347 $ 928 $ 1,309 $ 875 Finance charge income recognized $ 41 $ 30 $ 81 $ 59 Number of loans classified as TDRs during the period 14,397 12,135 26,124 22,247 Recorded investment of loans classified as TDRs during the period $ 245 $ 213 $ 446 $ 388 A redefault is when an account meets the requirements for evaluation under our charge-off policy (See Note 1 - "Summary of Significant Accounting Policies" in our Form 10-K for additional information). 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 was insignificant for the three and six months ended June 30, 2015 and 2014 . Commercial Finance Receivables Following is a summary of activity in our commercial finance receivables portfolio (in millions): Six Months Ended June 30, 2015 2014 North America International Total North America International Total Commercial finance receivables, net of fees - beginning of period $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 Net funding (collections) of commercial finance receivables 360 (331 ) 29 397 (56 ) 341 Charge-offs — — — — — — Foreign currency translation (25 ) (261 ) (286 ) 1 72 73 Balance at end of period $ 3,515 $ 4,300 $ 7,815 $ 2,373 $ 4,741 $ 7,114 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 (i.e., Groups III, IV, V and VI) dealers. We perform a credit review of each dealer at least annually and adjust the dealer's risk rating, if necessary. The credit lines for Group VI dealers are typically suspended and no further funding is extended to these dealers. 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 the vehicle inventory. All receivables from the same dealer customer share the same risk rating. A summary of the credit risk profile by dealer grouping of the commercial finance receivables is as follows (in millions): June 30, 2015 December 31, 2014 Group I - Dealers with superior financial metrics $ 1,068 $ 1,062 Group II - Dealers with strong financial metrics 2,415 2,090 Group III - Dealers with fair financial metrics 2,617 2,856 Group IV - Dealers with weak financial metrics 1,071 1,250 Group V - Dealers warranting special mention due to potential weaknesses 443 559 Group VI - Dealers with loans classified as substandard, doubtful or impaired 201 255 Balance at end of period $ 7,815 $ 8,072 At June 30, 2015 and December 31, 2014 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 the three and six months ended June 30, 2015 and 2014 .

Leased Vehicles

Leased Vehicles	6 Months Ended
Leased Vehicles	Jun. 30, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased Vehicles	Leased Vehicles Our operating lease program is offered primarily in the North America Segment. The following information regarding our leased vehicles is presented on a consolidated basis (in millions): June 30, 2015 December 31, 2014 Leased vehicles $ 17,410 $ 9,747 Manufacturer incentives (2,745 ) (1,479 ) 14,665 8,268 Less: accumulated depreciation (1,761 ) (1,208 ) Leased vehicles, net $ 12,904 $ 7,060 At June 30, 2015 and December 31, 2014 , our Canadian subsidiary was servicing $50 million and $110 million of leased vehicles for a third party. The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ending December 31, 2015 2016 2017 2018 2019 Minimum rental payments under operating leases $ 1,108 $ 2,052 $ 1,552 $ 546 $ 42

Restricted Cash

Restricted Cash	6 Months Ended
Restricted Cash	Jun. 30, 2015
Cash and Cash Equivalents [Abstract]
Restricted Cash	Restricted Cash The following table summarizes the components of restricted cash (in millions): June 30, 2015 December 31, 2014 Revolving credit facilities $ 241 $ 326 Securitization notes payable - consumer 1,521 1,330 Securitization notes payable - commercial 56 65 Other 38 350 Total restricted cash $ 1,856 $ 2,071 Restricted cash for securitization notes payable and revolving credit facilities is comprised of funds deposited in restricted cash accounts as collateral required to support securitization transactions or to provide additional collateral for borrowings under revolving credit facilities. Additionally, these funds include monthly collections from borrowers that have not yet been used for repayment of debt. At December 31, 2014 , other restricted cash was primarily comprised of interest-bearing cash in Brazil held in escrow pending resolution of tax and civil litigation. At June 30, 2015 , these amounts are classified as deposits and are included in other assets on the condensed consolidated balance sheet.

Equity in Net Assets of Non-con

Equity in Net Assets of Non-consolidated Affiliates	6 Months Ended
Equity in Net Assets of Non-consolidated Affiliates	Jun. 30, 2015
Noncontrolling Interest [Abstract]
Equity in Net Assets of Non-consolidated Affiliates	Equity in Net Assets of Non-consolidated Affiliates Non-consolidated affiliates are entities in which an equity ownership interest is maintained and for which the equity method of accounting is used due to the ability to exert significant influence over decisions relating to their operating and financial affairs. In January 2015, we completed the acquisition of Ally Financial's equity interest in SAIC-GMAC. See Note 2 - "Acquisition of Ally Financial International Operations" for additional information. The income of SAIC-GMAC is not consolidated into our financial statements; rather, our proportionate share of the earnings is reflected as equity income. At June 30, 2015 , we had undistributed earnings of $56 million related to SAIC-GMAC.

Debt

Debt	6 Months Ended
Debt	Jun. 30, 2015
Debt Disclosure [Abstract]
Debt	Debt Debt consists of the following (in millions): June 30, 2015 December 31, 2014 North America International Total North America International Total Secured Debt Revolving credit facilities $ 1,008 $ 5,203 $ 6,211 $ 1,701 $ 5,327 $ 7,028 Securitization notes payable - consumer 15,435 2,790 18,225 13,253 2,868 16,121 Securitization notes payable - commercial 1,250 931 2,181 500 1,565 2,065 Total secured debt $ 17,693 $ 8,924 $ 26,617 $ 15,454 $ 9,760 $ 25,214 Unsecured Debt Senior notes $ 12,862 $ 1,281 $ 14,143 $ 7,846 $ 604 $ 8,450 Credit facilities — 2,848 2,848 — 2,974 2,974 Other unsecured debt — 722 722 — 793 793 Total unsecured debt $ 12,862 $ 4,851 $ 17,713 $ 7,846 $ 4,371 $ 12,217 Secured Debt Most of the secured debt was issued by VIEs and is repayable only from proceeds related to the underlying pledged finance receivables and leases. Refer to Note 8 - "Variable Interest Entities" for additional information relating to our involvement with VIEs. During the six months ended June 30, 2015 , we issued securitization notes payable of $6.8 billion through securitization transactions, and we entered into new credit facilities or renewed credit facilities with a total additional net borrowing capacity of $4.1 billion . Unsecured Debt In January 2015, our top-tier holding company issued $2.25 billion in senior notes comprised of $1.0 billion of 3.15% notes due in January 2020, $1.0 billion of 4.0% notes due in January 2025 and $250 million in floating rate notes due in January 2020. All of these notes are guaranteed by our principal operating subsidiary, AmeriCredit Financial Services, Inc. ("AFSI"). In February 2015, a European subsidiary issued €650 million of 0.85% notes under our Euro medium term notes program. These notes are due in February 2018 . All of these notes are guaranteed by our top-tier holding company and by AFSI. In April 2015, our top-tier holding company issued $2.4 billion in senior notes comprised of $850 million of 2.4% notes due in April 2018, $1.25 billion of 3.45% notes due in April 2022 and $300 million of floating rate notes due in April 2018. All of these notes are guaranteed by AFSI. In May 2015, our primary Canadian operating subsidiary issued CAD $500 million of 3.08% notes due in May 2020. The notes are guaranteed by our top-tier holding company and by AFSI. Subsequent to June 30, 2015, our top-tier holding company issued an additional $2.3 billion in senior notes comprised of $1.5 billion of 3.2% notes due in July 2020 and $800 million of 4.3% notes due in July 2025. All of these notes are guaranteed by AFSI. The International Segment utilizes unsecured credit facilities with banks as well as non-bank funding sources. During the six months ended June 30, 2015 , we increased borrowing capacity on unsecured committed credit facilities by $185 million .

Variable Interest Entities

Variable Interest Entities	6 Months Ended
Variable Interest Entities	Jun. 30, 2015
Variable Interest Entities [Abstract]
Variable Interest Entities	Variable Interest Entities Securitizations and credit facilities We use special purpose entities ("SPEs") that are considered VIEs to issue variable funding notes to third party bank-sponsored warehouse facilities or asset-backed securities to investors in securitization transactions. The debt issued by these VIEs is backed by finance receivables and leasing related assets transferred by us to the VIEs ("Securitized Assets"). We hold variable interests in the VIEs that could potentially be significant to the VIEs. We determined that we are the primary beneficiary of the SPEs because: (1) the servicing responsibilities for the Securitized Assets give us the power to direct the activities that most significantly impact the performance of the VIEs; and (2) the variable interests in the VIEs give us the obligation to absorb losses and the right to receive residual returns that could potentially be significant. The assets of the VIEs serve as the sole source of repayment for the debt issued by these entities. Investors in the notes issued by the VIEs do not have recourse to us or our other assets, with the exception of customary representation and warranty repurchase provisions and indemnities that we provide as the servicer. We are not required and do not currently intend to provide additional financial support to these SPEs. While these subsidiaries are included in our condensed consolidated financial statements, they are separate legal entities and their assets are legally owned by them and are not available to our creditors. We recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in a securitization transaction, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. The following table summarizes the assets and liabilities of our consolidated VIEs related to securitization and credit facilities (in millions): June 30, 2015 December 31, 2014 Restricted cash $ 1,818 $ 1,721 Finance receivables, net $ 23,859 $ 23,109 Leased vehicle assets $ 6,877 $ 4,595 Secured debt $ 24,651 $ 22,794 These amounts are related to securitization and credit facilities held by consolidated 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 following table summarizes the assets and liabilities of these entities (in millions): June 30, 2015 December 31, 2014 Assets (a) $ 3,585 $ 3,696 Liabilities (b) $ 2,872 $ 3,184 _________________ (a) Comprised primarily of finance receivables of $3.2 billion and $3.6 billion at June 30, 2015 and December 31, 2014. (b) Comprised primarily of debt of $2.1 billion and $2.5 billion at June 30, 2015 and December 31, 2014. The following table summarizes the revenue and net income of these entities (in millions): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Total Revenue $ 40 $ 60 $ 81 $ 118 Net Income $ 8 $ 11 $ 19 $ 21 Transfers of finance receivables to non-VIEs Under certain debt agreements, we transfer finance receivables to entities which are not considered VIEs. These transfers do not meet the criteria to be considered sales; therefore, the finance receivables and the related debt are included in our condensed 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 June 30, 2015 and December 31, 2014 , $2.1 billion and $2.5 billion in finance receivables had been transferred in secured funding arrangements to such entities, to which $2.0 billion and $2.4 billion in secured debt was outstanding.

Derivative Financial Instrument

Derivative Financial Instruments And Hedging Activities	6 Months Ended
Derivative Financial Instruments And Hedging Activities	Jun. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments And Hedging Activities	Derivative Financial Instruments and Hedging Activities Derivative swap and cap agreements consist of the following (in millions): Fair Value Level June 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Assets Interest rate swaps (a) 3 $ 2,845 $ 6 $ 1,652 $ 6 Interest rate caps (b) 2 2,549 4 2,123 6 Foreign currency swaps (b) 2 — — 1,594 4 Total assets (c) $ 5,394 $ 10 $ 5,369 $ 16 Liabilities Interest rate swaps (a) 3 $ 5,961 $ 24 $ 5,627 $ 39 Interest rate caps (b) 2 2,197 3 1,804 6 Foreign currency swaps (b) 2 1,367 17 1,044 1 Total liabilities (d) $ 9,525 $ 44 $ 8,475 $ 46 _________________ (a) The fair values of the interest rate swap agreements are estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (b) The fair values of the interest rate cap agreements and foreign currency swap agreements are based on quoted market prices. (c) Included in other assets on the condensed consolidated balance sheets. (d) Included in other liabilities on the condensed consolidated balance sheets. We purchase interest rate cap agreements to limit floating rate exposures on certain of our revolving secured debt. We also utilize interest rate swap agreements to convert floating rate exposures on certain of our revolving debt or on securities issued in securitization transactions to fixed rates, thereby hedging the variability in interest expense paid. We use foreign currency swaps to hedge against valuation changes of certain financial instruments denominated in foreign currencies. The following table presents information on the effect of derivative instruments on the condensed consolidated statements of income and comprehensive income (in millions): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Non-designated hedges: Interest rate contracts (a) $ 7 $ 1 $ 1 $ (9 ) Foreign currency derivatives (b) (58 ) (26 ) 11 (42 ) $ (51 ) $ (25 ) $ 12 $ (51 ) _________________ (a) Recognized in earnings as interest expense. (b) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans. The activity for interest rate swap agreements measured at fair value on a recurring basis using significant unobservable inputs (Level 3) was insignificant for the three and six months ended June 30, 2015 and 2014 .

Fair Values Of Financial Instru

Fair Values Of Financial Instruments	6 Months Ended
Fair Values Of Financial Instruments	Jun. 30, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Values of Financial Instruments	Fair Values of Financial Instruments Fair values are based on estimates using present value or other valuation techniques in cases where quoted market prices are not available. Those techniques are significantly affected by the assumptions used, including the discount rate and the estimated timing and amount of future cash flows. Therefore, the estimates of fair value may differ substantially from amounts that ultimately may be realized or paid at settlement or maturity of the financial instruments and those differences may be material. Disclosures about fair value of financial instruments exclude certain financial instruments and all non-financial instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of our company. Estimated fair values, carrying values and various methods and assumptions used in valuing our financial instruments are set forth below (in millions): June 30, 2015 December 31, 2014 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets: Cash and cash equivalents (a) 1 $ 2,070 $ 2,070 $ 2,974 $ 2,974 Finance receivables, net (b) 3 $ 34,385 $ 34,749 $ 33,000 $ 33,573 Restricted cash (a) 1 $ 1,856 $ 1,856 $ 2,071 $ 2,071 Financial liabilities: Secured debt North America (c) 2 $ 17,693 $ 17,734 $ 15,454 $ 15,497 International (d) 2 $ 4,791 $ 4,795 $ 5,690 $ 5,694 International (e) 3 $ 4,133 $ 4,099 $ 4,070 $ 4,037 Unsecured debt North America (f) 2 $ 12,862 $ 13,070 $ 7,846 $ 8,092 International (g) 2 $ 3,667 $ 3,665 $ 3,496 $ 3,507 International (e) 3 $ 1,184 $ 1,191 $ 875 $ 880 _________________ (a) Cash and cash equivalents bear interest at market rates; therefore, carrying value is considered to be a reasonable estimate of fair value. (b) The fair value of the consumer finance receivables in the North America Segment is estimated based upon forecasted cash flows on the receivables discounted using a pre-tax weighted-average cost of capital. The fair value of the consumer finance receivables in the International Segment is estimated based on forecasted cash flows on the receivables discounted using current origination rates for similar type loans. Commercial finance receivables generally have variable interest rates and maturities of one year or less. Therefore, the carrying value is considered to be a reasonable estimate of fair value. (c) Secured debt in the North America Segment is comprised of revolving credit facilities, publicly-issued secured debt, and privately-issued secured debt. For revolving credit facilities with variable rates of interest and terms of one year or less, carrying value is considered to be a reasonable estimate of fair value. The fair value of the publicly-issued secured debt is based on quoted market prices of identical instruments, when available. If quoted market prices are not available, and for determining the fair value of privately-issued secured debt, the market value is estimated using quoted market prices of similar securities. (d) The level 2 secured debt in the International Segment has terms of one year or less, or has been priced within the last six months ; therefore, par value is considered to be a reasonable estimate of fair value. (e) The fair value of level 3 secured debt and unsecured debt in the International Segment is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (f) The fair value of unsecured debt in the North America Segment is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of senior notes is based on quoted market prices of identical instruments in thinly-traded markets. The fair value of other unsecured debt in the International Segment has terms of one year or less ; therefore, par value is considered to be a reasonable estimate of fair value. The fair value of our consumer finance receivables is based on observable and unobservable inputs within a discounted cash flow model. Those unobservable 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 which is the basis for the calculation of the series of cash flows that derive the fair value of the portfolio. For the North America Segment, the series of cash flows is calculated and discounted using a weighted-average cost of capital using unobservable debt and equity percentages, an unobservable cost of equity and an observable cost of debt based on companies with a similar credit rating and maturity profile. For the International Segment, the series of cash flows is calculated and discounted using current interest rates. Macroeconomic factors could affect the credit performance of our portfolio and therefore could potentially impact the assumptions used in our cash flow model.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies 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 under our Euro medium term note program are guaranteed by our primary U.S. operating subsidiary, AFSI. At June 30, 2015 and December 31, 2014 , the par value of these senior notes was $14.2 billion and $8.4 billion . See Note 16 - "Guarantor Condensed Consolidating Financial Statements" for further discussion. Legal Proceedings As a consumer finance company, we are subject to various consumer 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 consumers 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 June 30, 2015 , we estimated our reasonably possible legal exposure for unfavorable outcomes to be a range of up to $100 million and have accrued $44 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 consumer auto loan business and securitization of auto loans. In October 2014, we received a document request from the Securities and Exchange Commission in connection with its investigation into certain practices in sub-prime auto loan securitization. We are investigating these matters internally and believe we are cooperating with all requests. Such investigations 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. It is reasonably possible that some of the matters for which accruals have not been established could be decided unfavorably to us and could require us to make expenditures for which we estimate the aggregate risk to be a range of up to $53 million .

Income Taxes

Income Taxes	6 Months Ended
Income Taxes	Jun. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes For interim income tax reporting we estimate our annual effective tax rate and apply it to our year-to-date ordinary income. Tax jurisdictions with a projected or year-to-date loss for which a tax benefit cannot be realized are excluded from the annualized effective tax rate. The tax effects of unusual or infrequently occurring items, including changes in judgment about valuation allowances and effects of changes in tax laws or rates, are reported in the interim period in which they occur. In the three and six months ended June 30, 2015 income tax expense of $39 million and $103 million primarily resulted from tax expense attributable to entities included in our effective tax rate calculation, partially offset by tax benefits related to releases of uncertain tax positions in various jurisdictions and an increase in certain U.S. federal tax credits. In the three and six months ended June 30, 2014 income tax expense of $90 million and $167 million primarily resulted from tax expense attributable to entities included in our effective tax rate calculation. Although we are included in GM’s consolidated U.S. federal income tax return and for certain states’ income tax returns, for financial reporting purposes, we are treated as if we were separately subject to U.S. federal, state and local income taxes. Accordingly, our financial statements recognize the current and deferred income tax consequences that result from our activities, including net operating losses, as if we were a separate taxpayer rather than a member of the parent company’s consolidated income tax group.

Segment Reporting

Segment Reporting	6 Months Ended
Segment Reporting	Jun. 30, 2015
Segment Reporting [Abstract]
Segment Reporting	Segment Reporting 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 (consisting of operations in the U.S. and Canada) and the International Segment (consisting of 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. All inter-segment balances and transactions have been eliminated. Key financial data for our operating segments were as follows (in millions): Three Months Ended June 30, 2015 North International Corporate Eliminations Total Total revenue $ 1,085 $ 430 $ 4 $ (4 ) $ 1,515 Operating expenses, including leased vehicle expenses 648 138 — — 786 Provision for loan losses 111 30 — — 141 Interest expense 193 183 19 (4 ) 391 Equity income — 28 — — 28 Income before income taxes $ 133 $ 107 $ (15 ) $ — $ 225 Three Months Ended June 30, 2014 North International Corporate Eliminations Total Total revenue $ 691 $ 500 $ 15 $ (15 ) $ 1,191 Operating expenses, including leased vehicle expenses 310 149 — — 459 Provision for loan losses 90 23 — — 113 Interest expense 104 248 17 (15 ) 354 Income before income taxes $ 187 $ 80 $ (2 ) $ — $ 265 Six Months Ended June 30, 2015 North International Corporate Eliminations Total Total revenue $ 1,991 $ 878 $ 11 $ (11 ) $ 2,869 Operating expenses, including leased vehicle expenses 1,135 284 — — 1,419 Provision for loan losses 229 67 — — 296 Interest expense 358 389 35 (11 ) 771 Equity income — 56 — — 56 Income before income taxes $ 269 $ 194 $ (24 ) $ — $ 439 Six Months Ended June 30, 2014 North International Corporate Eliminations Total Total revenue $ 1,327 $ 961 $ 31 $ (31 ) $ 2,288 Operating expenses, including leased vehicle expenses 584 300 — — 884 Provision for loan losses 193 55 — — 248 Interest expense 196 462 42 (31 ) 669 Income before income taxes $ 354 $ 144 $ (11 ) $ — $ 487 June 30, 2015 December 31, 2014 North International Total North International Total Finance receivables, net $ 18,356 $ 16,029 $ 34,385 $ 15,943 $ 17,057 $ 33,000 Leased vehicles, net $ 12,846 $ 58 $ 12,904 $ 7,029 $ 31 $ 7,060 Total assets $ 35,941 $ 19,389 $ 55,330 $ 27,687 $ 20,037 $ 47,724

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	6 Months Ended
Accumulated Other Comprehensive (Loss) Income	Jun. 30, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive (Loss) Income	Accumulated Other Comprehensive (Loss) Income A summary of changes in accumulated other comprehensive (loss) income is as follows (in millions): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Defined benefit plans, net: Balance at beginning of period $ (10 ) $ 3 $ (11 ) $ 3 Unrealized gain on subsidiary pension — — 1 — Balance at end of period (10 ) 3 (10 ) 3 Foreign currency translation adjustment: Balance at beginning of period (769 ) 13 (422 ) 8 Translation gain (loss) 105 49 (242 ) 54 Balance at end of period (664 ) 62 (664 ) 62 Total accumulated other comprehensive (loss) income $ (674 ) $ 65 $ (674 ) $ 65

Regulatory Capital

Regulatory Capital	6 Months Ended
Regulatory Capital	Jun. 30, 2015
Regulatory Capital and Other Regulatory Matters [Abstract]
Regulatory Capital	Regulatory Capital The International Segment includes the operations of certain stand-alone entities that operate in local markets as either banks or regulated finance companies that 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 requirements at June 30, 2015 . Total assets of our regulated international banks and finance companies were approximately $11.7 billion and $11.4 billion at June 30, 2015 and December 31, 2014 .

Guarantor Condensed Consolidati

Guarantor Condensed Consolidating Financial Statements	6 Months Ended
Guarantor Condensed Consolidating Financial Statements	Jun. 30, 2015
Guarantor Consolidating Financial Statements [abstract]
Guarantor Condensed Consolidating Financial Statements	Guarantor Condensed 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 condensed 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 June 30, 2015 and December 31, 2014 , and for the three and six months ended June 30, 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. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET June 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 1,161 $ 909 $ — $ 2,070 Finance receivables, net — 4,152 30,233 — 34,385 Leased vehicles, net — — 12,904 — 12,904 Restricted cash — 30 1,826 — 1,856 Goodwill 1,095 — 148 — 1,243 Equity in net assets of non-consolidated affiliates — — 978 — 978 Property and equipment, net — 35 167 — 202 Deferred income taxes 97 — 388 (202 ) 283 Related party receivables — 22 566 — 588 Other assets 118 61 642 — 821 Due from affiliates 10,754 — — (10,754 ) — Investment in affiliates 8,424 4,660 — (13,084 ) — Total assets $ 20,488 $ 10,121 $ 48,761 $ (24,040 ) $ 55,330 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 26,617 $ — $ 26,617 Unsecured debt 12,141 — 5,572 — 17,713 Accounts payable and accrued expenses 130 205 803 — 1,138 Deferred income — — 844 — 844 Deferred income taxes — 267 5 (202 ) 70 Related party taxes payable 636 — — — 636 Related party payables — — 429 — 429 Other liabilities 72 24 284 — 380 Due to affiliates 6 5,221 5,527 (10,754 ) — Total liabilities 12,985 5,717 40,081 (10,956 ) 47,827 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,815 79 4,948 (5,027 ) 5,815 Accumulated other comprehensive loss (674 ) (108 ) (655 ) 763 (674 ) Retained earnings 2,362 4,433 3,697 (8,130 ) 2,362 Total shareholder's equity 7,503 4,404 8,680 (13,084 ) 7,503 Total liabilities and shareholder's equity $ 20,488 $ 10,121 $ 48,761 $ (24,040 ) $ 55,330 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET December 31, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,266 $ 708 $ — $ 2,974 Finance receivables, net — 2,401 30,599 — 33,000 Leased vehicles, net — — 7,060 — 7,060 Restricted cash — 17 2,054 — 2,071 Goodwill 1,095 — 149 — 1,244 Property and equipment, net — 23 149 — 172 Deferred income taxes 28 — 601 (288 ) 341 Related party receivables — 11 373 — 384 Other assets 94 18 366 — 478 Due from affiliates 6,787 — 400 (7,187 ) — Investment in affiliates 7,684 4,059 — (11,743 ) — Total assets $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 25,214 $ — $ 25,214 Unsecured debt 7,500 — 4,717 — 12,217 Accounts payable and accrued expenses 78 156 768 — 1,002 Deferred income — — 392 — 392 Deferred income taxes — 288 20 (288 ) 20 Related party taxes payable 636 — — — 636 Related party payables — — 433 — 433 Other liabilities 82 12 324 — 418 Due to affiliates — 4,164 3,023 (7,187 ) — Total liabilities 8,296 4,620 34,891 (7,475 ) 40,332 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,799 79 4,064 (4,143 ) 5,799 Accumulated other comprehensive loss (433 ) (64 ) (410 ) 474 (433 ) Retained earnings 2,026 4,160 3,224 (7,384 ) 2,026 Total shareholder's equity 7,392 4,175 7,568 (11,743 ) 7,392 Total liabilities and shareholder's equity $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended June 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 100 $ 748 $ — $ 848 Leased vehicle income — — 599 — 599 Other income 4 118 40 (94 ) 68 Total revenue 4 218 1,387 (94 ) 1,515 Costs and expenses Salaries and benefits — 77 104 — 181 Other operating expenses (19 ) 73 149 (65 ) 138 Total operating expenses (19 ) 150 253 (65 ) 319 Leased vehicle expenses — — 467 — 467 Provision for loan losses — 116 25 — 141 Interest expense 114 3 303 (29 ) 391 Total costs and expenses 95 269 1,048 (94 ) 1,318 Equity income 223 156 28 (379 ) 28 Income before income taxes 132 105 367 (379 ) 225 Income tax (benefit) provision (54 ) (20 ) 113 — 39 Net income $ 186 $ 125 $ 254 $ (379 ) $ 186 Comprehensive income $ 291 $ 139 $ 353 $ (492 ) $ 291 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended June 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 39 $ 843 $ — $ 882 Leased vehicle income — — 238 — 238 Other income 20 104 42 (95 ) 71 Total revenue 20 143 1,123 (95 ) 1,191 Costs and expenses Salaries and benefits — 63 91 — 154 Other operating expenses (6 ) 41 153 (62 ) 126 Total operating expenses (6 ) 104 244 (62 ) 280 Leased vehicle expenses — — 179 — 179 Provision for loan losses — 75 38 — 113 Interest expense 44 8 335 (33 ) 354 Total costs and expenses 38 187 796 (95 ) 926 Equity income (a) 189 153 — (342 ) — Income before income taxes 171 109 327 (342 ) 265 Income tax (benefit) provision (4 ) (16 ) 110 — 90 Net income $ 175 $ 125 $ 217 $ (342 ) $ 175 Comprehensive income $ 224 $ 148 $ 267 $ (415 ) $ 224 ________________ (a) Equity income has been reclassified from revenue as previously presented. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Six Months Ended June 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 180 $ 1,522 $ — $ 1,702 Leased vehicle income — — 1,030 — 1,030 Other income 11 226 85 (185 ) 137 Total revenue 11 406 2,637 (185 ) 2,869 Costs and expenses Salaries and benefits — 166 180 — 346 Other operating expenses 35 70 303 (129 ) 279 Total operating expenses 35 236 483 (129 ) 625 Leased vehicle expenses — — 794 — 794 Provision for loan losses — 190 106 — 296 Interest expense 208 1 618 (56 ) 771 Total costs and expenses 243 427 2,001 (185 ) 2,486 Equity income 461 285 56 (746 ) 56 Income before income taxes 229 264 692 (746 ) 439 Income tax (benefit) provision (107 ) (9 ) 219 — 103 Net income $ 336 $ 273 $ 473 $ (746 ) $ 336 Comprehensive income $ 95 $ 229 $ 228 $ (457 ) $ 95 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Six Months Ended June 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 69 $ 1,643 $ — $ 1,712 Leased vehicle income — — 438 — 438 Other income 40 231 80 (213 ) 138 Total revenue 40 300 2,161 (213 ) 2,288 Costs and expenses Salaries and benefits — 116 174 — 290 Other operating expenses (5 ) 74 314 (124 ) 259 Total operating expenses (5 ) 190 488 (124 ) 549 Leased vehicle expenses — — 335 — 335 Provision for loan losses — 135 113 — 248 Interest expense 99 19 640 (89 ) 669 Total costs and expenses 94 344 1,576 (213 ) 1,801 Equity income (a) 359 269 — (628 ) — Income before income taxes 305 225 585 (628 ) 487 Income tax (benefit) provision (15 ) (16 ) 198 — 167 Net income $ 320 $ 241 $ 387 $ (628 ) $ 320 Comprehensive income $ 374 $ 244 $ 442 $ (686 ) $ 374 _______________ (a) Equity income has been reclassified from revenue as previously presented. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Six Months Ended June 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ (102 ) $ 150 $ 1,217 $ — $ 1,265 Cash flows from investing activities: Purchases of consumer finance receivables, net — (4,923 ) (6,062 ) 2,619 (8,366 ) Principal collections and recoveries on consumer finance receivables — 246 5,470 — 5,716 Proceeds from sale of consumer finance receivables, net — 2,619 — (2,619 ) — Net funding of commercial finance receivables — 139 (176 ) — (37 ) Purchases of leased vehicles, net — — (6,724 ) — (6,724 ) Proceeds from termination of leased vehicles — — 468 — 468 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (12 ) (32 ) — (44 ) Change in restricted cash — (13 ) (127 ) — (140 ) Change in other assets — — 17 — 17 Net change in investment in affiliates (6 ) (355 ) — 361 — Net cash used in investing activities (519 ) (2,710 ) (7,166 ) 361 (10,034 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — (150 ) — (150 ) Borrowings and issuance of secured debt — — 9,791 — 9,791 Payments on secured debt — — (7,406 ) — (7,406 ) Borrowings and issuance of unsecured debt 4,640 — 2,057 — 6,697 Payments on unsecured debt — — (871 ) — (871 ) Net capital contributions — — 361 (361 ) — Debt issuance costs (36 ) — (65 ) — (101 ) Net change in due from/due to affiliates (3,983 ) 1,455 2,528 — — Net cash provided by financing activities 621 1,455 6,245 (361 ) 7,960 Net increase in cash and cash equivalents — (1,105 ) 296 — (809 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (95 ) — (95 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 1,161 $ 909 $ — $ 2,070 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Six Months Ended June 30, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ 205 $ 141 $ 500 $ — $ 846 Cash flows from investing activities: Purchases of consumer finance receivables, net — (2,924 ) (6,546 ) 2,643 (6,827 ) Principal collections and recoveries on consumer finance receivables — (100 ) 5,400 — 5,300 Proceeds from sale of consumer finance receivables, net — 2,643 — (2,643 ) — Net funding of commercial finance receivables — 256 (495 ) — (239 ) Purchases of leased vehicles, net — — (1,856 ) — (1,856 ) Proceeds from termination of leased vehicles — — 264 — 264 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (2 ) (13 ) — (15 ) Change in restricted cash — (9 ) (227 ) — (236 ) Change in other assets — — (2 ) — (2 ) Net change in investment in affiliates (5 ) 243 — (238 ) — Net cash (used in) provided by investing activities (51 ) 107 (3,475 ) (238 ) (3,657 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — 278 — 278 Borrowings and issuance of secured debt — — 10,722 — 10,722 Payments on secured debt — — (8,445 ) — (8,445 ) Borrowings and issuance of unsecured debt — — 1,472 — 1,472 Payments on unsecured debt — — (838 ) — (838 ) Net capital contributions 26 — (264 ) 238 — Debt issuance costs — — (49 ) — (49 ) Net change in due from/due to affiliates (180 ) 56 124 — — Net cash (used in) provided by financing activities (154 ) 56 3,000 238 3,140 Net increase in cash and cash equivalents — 304 25 — 329 Effect of foreign exchange rate changes on cash and cash equivalents — — 9 — 9 Cash and cash equivalents at beginning of period — 395 679 — 1,074 Cash and cash equivalents at end of period $ — $ 699 $ 713 $ — $ 1,412

Summary of Significant Accoun22

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The condensed 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 variable interest entities ("VIEs"). All intercompany transactions and balances have been eliminated in consolidation. The interim period consolidated financial statements, including the notes thereto, are condensed and do not include all disclosures required by generally accepted accounting principles ("GAAP") in the United States of America. These interim period condensed consolidated financial statements should be read in conjunction with the consolidated financial statements that are included in our Annual Report on Form 10-K filed on February 4, 2015 ("Form 10-K"). Certain prior periods amounts were reclassified to conform to our current year presentation. The condensed consolidated financial statements at June 30, 2015 , and for the three and six months ended June 30, 2015 and 2014 , are unaudited and, in management’s opinion, include all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of the results for such interim periods. The results for interim periods are not necessarily indicative of results for a full year. Subsequent to the issuance of our condensed consolidated financial statements as of and for the six months ended June 30, 2014 , we identified items not properly classified in the condensed consolidated statements of cash flows. The adjustments to previously reported amounts within the condensed consolidated statement of cash flows, which had no impact on cash and cash equivalents at June 30, 2014, had a net effect of decreasing net cash provided by operating activities by $58 million and decreasing net cash used in investing activities by $58 million , and were principally related to net funding of commercial finance receivables.
Segment Information	Segment 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: North America (the "North America Segment") and international (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. For additional financial information regarding our business segments, see Note 13 - "Segment Reporting."
Related Party Transactions	Related Party Transactions We are the wholly-owned captive finance subsidiary of General Motors Company ("GM"). We offer loan and lease finance products through GM-franchised dealers to consumers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on consumer loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. At June 30, 2015 and December 31, 2014 , we had related party receivables from GM in the amount of $588 million and $384 million , primarily related to subvention. At June 30, 2015 and December 31, 2014 we had $176 million in commercial loans outstanding to dealers that are consolidated by GM. Prior to January 1, 2015, we provided financing to certain GM subsidiaries through factoring and other wholesale financing arrangements. At December 31, 2014 , $289 million was outstanding under such arrangements, and was included in commercial finance receivables. No amounts were outstanding at June 30, 2015 . At June 30, 2015 and December 31, 2014 , we had $429 million and $433 million of related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . We have a tax sharing agreement with GM for our U.S. operations. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2012 through 2014 were deferred for four years from their original due date. At June 30, 2015 and December 31, 2014 , $636 million was due to GM under the related party tax sharing agreement. We have a Support Agreement with GM (the “Support Agreement”), which provides that, if our earning assets leverage at the end of any calendar quarter is higher than thresholds set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage to within the appropriate threshold. In determining our earning assets leverage (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. At June 30, 2015 , our earning assets leverage ratio was 7.5 , which is below the applicable ratio of 8.0 . 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 on $4.0 billion under GM’s corporate revolving credit facilities. GM also agreed to certain provisions intended to ensure that we maintain adequate access to liquidity. Pursuant to these provisions, GM provided us with a $1.0 billion unsecured intercompany revolving credit facility (the “Junior Subordinated Revolving Credit Facility”). There were no advances outstanding under the Junior Subordinated Revolving Credit Facility at June 30, 2015 or December 31, 2014 .
Accounting Standards Not Yet Adopted	Accounting Standards Not Yet Adopted In May 2014 the Financial Accounting Standards Board issued ASU 2014-09, “Revenue Recognition - Revenue from Contracts with Customers” ("ASU 2014-09") that requires companies to recognize revenue when a customer obtains control rather than when companies have transferred substantially all risks and rewards of a good or service. This update was originally effective for annual reporting periods beginning on or after December 15, 2016 and interim periods therein and requires expanded disclosures. In July 2015 the FASB issued a deferral of ASU 2014-09 of one year making it effective for annual reporting periods beginning on or after December 15, 2017 while also providing for early adoption but not before the original effective date. We are currently assessing the impact the adoption of ASU 2014-09 will have on our consolidated financial statements. In April 2015 the Financial Accounting Standards Board issued ASU 2015-03, “Interest - Imputation of Interest” ("ASU 2015-03") that requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. This update is effective for annual reporting periods beginning on or after December 15, 2015 and interim periods within fiscal years beginning after December 15, 2016. We are currently assessing the impact that the adoption of ASU 2015-03 will have on our consolidated financial statements.

Finance Receivables (Tables)

Finance Receivables (Tables)	6 Months Ended
Finance Receivables (Tables)	Jun. 30, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables, Net	The finance receivables portfolio consists of the following (in millions): June 30, 2015 December 31, 2014 North America International Total North America International Total Consumer Consumer finance receivables, collectively evaluated for impairment, net of fees (a) $ 14,091 $ 11,840 $ 25,931 $ 12,127 $ 12,262 $ 24,389 Consumer finance receivables, individually evaluated for impairment, net of fees 1,399 — 1,399 1,234 — 1,234 Total consumer finance receivables (b) 15,490 11,840 27,330 13,361 12,262 25,623 Less: allowance for loan losses - collective (424 ) (94 ) (518 ) (405 ) (78 ) (483 ) Less: allowance for loan losses - specific (203 ) — (203 ) (172 ) — (172 ) Total consumer finance receivables, net 14,863 11,746 26,609 12,784 12,184 24,968 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 3,515 4,243 7,758 3,180 4,803 7,983 Commercial finance receivables, individually evaluated for impairment, net of fees — 57 57 — 89 89 Total commercial finance receivables 3,515 4,300 7,815 3,180 4,892 8,072 Less: allowance for loan losses - collective (22 ) (12 ) (34 ) (21 ) (14 ) (35 ) Less: allowance for loan losses - specific — (5 ) (5 ) — (5 ) (5 ) Total commercial finance receivables, net 3,493 4,283 7,776 3,159 4,873 8,032 Total finance receivables, net $ 18,356 $ 16,029 $ 34,385 $ 15,943 $ 17,057 $ 33,000 ________________ (a) Amounts reported for International include $1.1 billion and $1.0 billion of direct-financing leases at June 30, 2015 and December 31, 2014 . (b) Net of unamortized premiums and discounts, and deferred fees and costs of $164 million and $245 million at June 30, 2015 and December 31, 2014 .
Finance Receivables Summary	Following is a summary of activity in our consumer finance receivables portfolio (in millions): Six Months Ended June 30, 2015 2014 North America International Total North America International Total Consumer finance receivables, net of fees - beginning of period $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 Loans purchased 4,915 3,451 8,366 2,917 4,128 7,045 Principal collections and other (2,393 ) (2,901 ) (5,294 ) (2,052 ) (2,987 ) (5,039 ) Charge-offs (388 ) (66 ) (454 ) (349 ) (66 ) (415 ) Foreign currency translation (5 ) (906 ) (911 ) — 325 325 Balance at end of period $ 15,490 $ 11,840 $ 27,330 $ 11,904 $ 13,142 $ 25,046
Allowance for Credit Losses on Financing Receivables	A summary of the activity in the allowance for consumer loan losses is as follows (in millions): Three Months Ended June 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 605 $ 87 $ 692 $ 491 $ 46 $ 537 Provision for loan losses 110 29 139 89 33 122 Charge-offs (188 ) (32 ) (220 ) (157 ) (34 ) (191 ) Recoveries 100 11 111 92 15 107 Foreign currency translation — (1 ) (1 ) — — — Balance at end of period $ 627 $ 94 $ 721 $ 515 $ 60 $ 575 Six Months Ended June 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 Provision for loan losses 228 68 296 193 66 259 Charge-offs (388 ) (66 ) (454 ) (349 ) (66 ) (415 ) Recoveries 210 23 233 203 31 234 Foreign currency translation — (9 ) (9 ) — — — Balance at end of period $ 627 $ 94 $ 721 $ 515 $ 60 $ 575
Financing Receivable Credit Quality Indicators	A summary of the credit risk profile by FICO score band, determined at origination, of the consumer finance receivables in the North America Segment is as follows (dollars in millions): June 30, 2015 December 31, 2014 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 1,915 12.4 % $ 596 4.4 % Near Prime - FICO Score 620 to 679 2,555 16.5 1,691 12.7 Sub-prime - FICO Score less than 620 11,020 71.1 11,074 82.9 Balance at end of period $ 15,490 100.0 % $ 13,361 100.0 %
Past Due Financing Receivables	The following is a summary of the contractual amounts of delinquent consumer finance receivables, which is not significantly different than recorded investment, that are (i) more than 30 days delinquent, but not yet in repossession and (ii) in repossession, but not yet charged off (dollars in millions): June 30, 2015 June 30, 2014 North America International Total Percent of Contractual Amount Due North America International Total Percent of Contractual Amount Due 31 - 60 days $ 917 $ 145 $ 1,062 3.6 % $ 756 $ 130 $ 886 3.5 % Greater than 60 days 318 134 452 1.6 255 133 388 1.6 1,235 279 1,514 5.2 1,011 263 1,274 5.1 In repossession 39 7 46 0.2 35 5 40 0.1 $ 1,274 $ 286 $ 1,560 5.4 % $ 1,046 $ 268 $ 1,314 5.2 %
Troubled Debt Restructurings on Financing Receivables	At June 30, 2015 and December 31, 2014 , the outstanding balance of consumer 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 (in millions): June 30, 2015 December 31, 2014 Outstanding recorded investment $ 1,399 $ 1,234 Less: allowance for loan losses (203 ) (172 ) Outstanding recorded investment, net of allowance $ 1,196 $ 1,062 Unpaid principal balance $ 1,426 $ 1,255 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Average recorded investment $ 1,347 $ 928 $ 1,309 $ 875 Finance charge income recognized $ 41 $ 30 $ 81 $ 59 Number of loans classified as TDRs during the period 14,397 12,135 26,124 22,247 Recorded investment of loans classified as TDRs during the period $ 245 $ 213 $ 446 $ 388
Finance Receivables Summary - Post-acquisition - Commercial	Following is a summary of activity in our commercial finance receivables portfolio (in millions): Six Months Ended June 30, 2015 2014 North America International Total North America International Total Commercial finance receivables, net of fees - beginning of period $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 Net funding (collections) of commercial finance receivables 360 (331 ) 29 397 (56 ) 341 Charge-offs — — — — — — Foreign currency translation (25 ) (261 ) (286 ) 1 72 73 Balance at end of period $ 3,515 $ 4,300 $ 7,815 $ 2,373 $ 4,741 $ 7,114
Financing Receivable Credit Quality Indicators for Commercial Lending	A summary of the credit risk profile by dealer grouping of the commercial finance receivables is as follows (in millions): June 30, 2015 December 31, 2014 Group I - Dealers with superior financial metrics $ 1,068 $ 1,062 Group II - Dealers with strong financial metrics 2,415 2,090 Group III - Dealers with fair financial metrics 2,617 2,856 Group IV - Dealers with weak financial metrics 1,071 1,250 Group V - Dealers warranting special mention due to potential weaknesses 443 559 Group VI - Dealers with loans classified as substandard, doubtful or impaired 201 255 Balance at end of period $ 7,815 $ 8,072

Leased Vehicles (Tables)

Leased Vehicles (Tables)	6 Months Ended
Leased Vehicles (Tables)	Jun. 30, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Summary of Leased Vehicles	The following information regarding our leased vehicles is presented on a consolidated basis (in millions): June 30, 2015 December 31, 2014 Leased vehicles $ 17,410 $ 9,747 Manufacturer incentives (2,745 ) (1,479 ) 14,665 8,268 Less: accumulated depreciation (1,761 ) (1,208 ) Leased vehicles, net $ 12,904 $ 7,060
Schedule of Future Minimum Rental Payments Receivable For Operating Leases	The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ending December 31, 2015 2016 2017 2018 2019 Minimum rental payments under operating leases $ 1,108 $ 2,052 $ 1,552 $ 546 $ 42

Restricted Cash (Tables)

Restricted Cash (Tables)	6 Months Ended
Restricted Cash (Tables)	Jun. 30, 2015
Cash and Cash Equivalents [Abstract]
Schedule of Restricted Cash	The following table summarizes the components of restricted cash (in millions): June 30, 2015 December 31, 2014 Revolving credit facilities $ 241 $ 326 Securitization notes payable - consumer 1,521 1,330 Securitization notes payable - commercial 56 65 Other 38 350 Total restricted cash $ 1,856 $ 2,071

Debt (Tables)

Debt (Tables)	6 Months Ended
Debt (Tables)	Jun. 30, 2015
Debt Disclosure [Abstract]
Schedule of Debt	Debt consists of the following (in millions): June 30, 2015 December 31, 2014 North America International Total North America International Total Secured Debt Revolving credit facilities $ 1,008 $ 5,203 $ 6,211 $ 1,701 $ 5,327 $ 7,028 Securitization notes payable - consumer 15,435 2,790 18,225 13,253 2,868 16,121 Securitization notes payable - commercial 1,250 931 2,181 500 1,565 2,065 Total secured debt $ 17,693 $ 8,924 $ 26,617 $ 15,454 $ 9,760 $ 25,214 Unsecured Debt Senior notes $ 12,862 $ 1,281 $ 14,143 $ 7,846 $ 604 $ 8,450 Credit facilities — 2,848 2,848 — 2,974 2,974 Other unsecured debt — 722 722 — 793 793 Total unsecured debt $ 12,862 $ 4,851 $ 17,713 $ 7,846 $ 4,371 $ 12,217

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	6 Months Ended
Variable Interest Entities (Tables)	Jun. 30, 2015
Securitization and Credit Facility VIEs [Member]
Variable Interest Entity [Line Items]
Schedule of Variable Interest Entities	The following table summarizes the assets and liabilities of our consolidated VIEs related to securitization and credit facilities (in millions): June 30, 2015 December 31, 2014 Restricted cash $ 1,818 $ 1,721 Finance receivables, net $ 23,859 $ 23,109 Leased vehicle assets $ 6,877 $ 4,595 Secured debt $ 24,651 $ 22,794
Other VIE [Member]
Variable Interest Entity [Line Items]
Schedule of Variable Interest Entities	The following table summarizes the assets and liabilities of these entities (in millions): June 30, 2015 December 31, 2014 Assets (a) $ 3,585 $ 3,696 Liabilities (b) $ 2,872 $ 3,184 _________________ (a) Comprised primarily of finance receivables of $3.2 billion and $3.6 billion at June 30, 2015 and December 31, 2014. (b) Comprised primarily of debt of $2.1 billion and $2.5 billion at June 30, 2015 and December 31, 2014. The following table summarizes the revenue and net income of these entities (in millions): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Total Revenue $ 40 $ 60 $ 81 $ 118 Net Income $ 8 $ 11 $ 19 $ 21

Derivative Financial Instrume28

Derivative Financial Instruments And Hedging Activities (Tables)	6 Months Ended
	Jun. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	Derivative swap and cap agreements consist of the following (in millions): Fair Value Level June 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Assets Interest rate swaps (a) 3 $ 2,845 $ 6 $ 1,652 $ 6 Interest rate caps (b) 2 2,549 4 2,123 6 Foreign currency swaps (b) 2 — — 1,594 4 Total assets (c) $ 5,394 $ 10 $ 5,369 $ 16 Liabilities Interest rate swaps (a) 3 $ 5,961 $ 24 $ 5,627 $ 39 Interest rate caps (b) 2 2,197 3 1,804 6 Foreign currency swaps (b) 2 1,367 17 1,044 1 Total liabilities (d) $ 9,525 $ 44 $ 8,475 $ 46 _________________ (a) The fair values of the interest rate swap agreements are estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (b) The fair values of the interest rate cap agreements and foreign currency swap agreements are based on quoted market prices. (c) Included in other assets on the condensed consolidated balance sheets. (d) Included in other liabilities on the condensed consolidated balance sheets.
Effect of derivative instruments on the condensed consolidated statements of income	The following table presents information on the effect of derivative instruments on the condensed consolidated statements of income and comprehensive income (in millions): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Non-designated hedges: Interest rate contracts (a) $ 7 $ 1 $ 1 $ (9 ) Foreign currency derivatives (b) (58 ) (26 ) 11 (42 ) $ (51 ) $ (25 ) $ 12 $ (51 ) _________________ (a) Recognized in earnings as interest expense. (b) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans.

Fair Values of Financial Inst29

Fair Values of Financial Instruments (Tables)	6 Months Ended
Fair Values of Financial Instruments (Tables)	Jun. 30, 2015
Fair Value Of Financial Instruments [Abstract]
Estimated Fair Values	Estimated fair values, carrying values and various methods and assumptions used in valuing our financial instruments are set forth below (in millions): June 30, 2015 December 31, 2014 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets: Cash and cash equivalents (a) 1 $ 2,070 $ 2,070 $ 2,974 $ 2,974 Finance receivables, net (b) 3 $ 34,385 $ 34,749 $ 33,000 $ 33,573 Restricted cash (a) 1 $ 1,856 $ 1,856 $ 2,071 $ 2,071 Financial liabilities: Secured debt North America (c) 2 $ 17,693 $ 17,734 $ 15,454 $ 15,497 International (d) 2 $ 4,791 $ 4,795 $ 5,690 $ 5,694 International (e) 3 $ 4,133 $ 4,099 $ 4,070 $ 4,037 Unsecured debt North America (f) 2 $ 12,862 $ 13,070 $ 7,846 $ 8,092 International (g) 2 $ 3,667 $ 3,665 $ 3,496 $ 3,507 International (e) 3 $ 1,184 $ 1,191 $ 875 $ 880 _________________ (a) Cash and cash equivalents bear interest at market rates; therefore, carrying value is considered to be a reasonable estimate of fair value. (b) The fair value of the consumer finance receivables in the North America Segment is estimated based upon forecasted cash flows on the receivables discounted using a pre-tax weighted-average cost of capital. The fair value of the consumer finance receivables in the International Segment is estimated based on forecasted cash flows on the receivables discounted using current origination rates for similar type loans. Commercial finance receivables generally have variable interest rates and maturities of one year or less. Therefore, the carrying value is considered to be a reasonable estimate of fair value. (c) Secured debt in the North America Segment is comprised of revolving credit facilities, publicly-issued secured debt, and privately-issued secured debt. For revolving credit facilities with variable rates of interest and terms of one year or less, carrying value is considered to be a reasonable estimate of fair value. The fair value of the publicly-issued secured debt is based on quoted market prices of identical instruments, when available. If quoted market prices are not available, and for determining the fair value of privately-issued secured debt, the market value is estimated using quoted market prices of similar securities. (d) The level 2 secured debt in the International Segment has terms of one year or less, or has been priced within the last six months ; therefore, par value is considered to be a reasonable estimate of fair value. (e) The fair value of level 3 secured debt and unsecured debt in the International Segment is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (f) The fair value of unsecured debt in the North America Segment is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of senior notes is based on quoted market prices of identical instruments in thinly-traded markets. The fair value of other unsecured debt in the International Segment has terms of one year or less ; therefore, par value is considered to be a reasonable estimate of fair value.

Segment Reporting (Tables)

Segment Reporting (Tables)	6 Months Ended
Segment Reporting (Tables)	Jun. 30, 2015
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	All inter-segment balances and transactions have been eliminated. Key financial data for our operating segments were as follows (in millions): Three Months Ended June 30, 2015 North International Corporate Eliminations Total Total revenue $ 1,085 $ 430 $ 4 $ (4 ) $ 1,515 Operating expenses, including leased vehicle expenses 648 138 — — 786 Provision for loan losses 111 30 — — 141 Interest expense 193 183 19 (4 ) 391 Equity income — 28 — — 28 Income before income taxes $ 133 $ 107 $ (15 ) $ — $ 225 Three Months Ended June 30, 2014 North International Corporate Eliminations Total Total revenue $ 691 $ 500 $ 15 $ (15 ) $ 1,191 Operating expenses, including leased vehicle expenses 310 149 — — 459 Provision for loan losses 90 23 — — 113 Interest expense 104 248 17 (15 ) 354 Income before income taxes $ 187 $ 80 $ (2 ) $ — $ 265 Six Months Ended June 30, 2015 North International Corporate Eliminations Total Total revenue $ 1,991 $ 878 $ 11 $ (11 ) $ 2,869 Operating expenses, including leased vehicle expenses 1,135 284 — — 1,419 Provision for loan losses 229 67 — — 296 Interest expense 358 389 35 (11 ) 771 Equity income — 56 — — 56 Income before income taxes $ 269 $ 194 $ (24 ) $ — $ 439 Six Months Ended June 30, 2014 North International Corporate Eliminations Total Total revenue $ 1,327 $ 961 $ 31 $ (31 ) $ 2,288 Operating expenses, including leased vehicle expenses 584 300 — — 884 Provision for loan losses 193 55 — — 248 Interest expense 196 462 42 (31 ) 669 Income before income taxes $ 354 $ 144 $ (11 ) $ — $ 487 June 30, 2015 December 31, 2014 North International Total North International Total Finance receivables, net $ 18,356 $ 16,029 $ 34,385 $ 15,943 $ 17,057 $ 33,000 Leased vehicles, net $ 12,846 $ 58 $ 12,904 $ 7,029 $ 31 $ 7,060 Total assets $ 35,941 $ 19,389 $ 55,330 $ 27,687 $ 20,037 $ 47,724

Accumulated Other Comprehensi31

Accumulated Other Comprehensive (Loss) Income (Tables)	6 Months Ended
Accumulated Other Comprehensive (Loss) Income (Tables)	Jun. 30, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	A summary of changes in accumulated other comprehensive (loss) income is as follows (in millions): Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Defined benefit plans, net: Balance at beginning of period $ (10 ) $ 3 $ (11 ) $ 3 Unrealized gain on subsidiary pension — — 1 — Balance at end of period (10 ) 3 (10 ) 3 Foreign currency translation adjustment: Balance at beginning of period (769 ) 13 (422 ) 8 Translation gain (loss) 105 49 (242 ) 54 Balance at end of period (664 ) 62 (664 ) 62 Total accumulated other comprehensive (loss) income $ (674 ) $ 65 $ (674 ) $ 65

Guarantor Condensed Consolida32

Guarantor Condensed Consolidating Financial Statements (Tables)	6 Months Ended
	Jun. 30, 2015
Guarantor Consolidating Financial Statements [abstract]
Condensed Consolidating Balance Sheet	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET June 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 1,161 $ 909 $ — $ 2,070 Finance receivables, net — 4,152 30,233 — 34,385 Leased vehicles, net — — 12,904 — 12,904 Restricted cash — 30 1,826 — 1,856 Goodwill 1,095 — 148 — 1,243 Equity in net assets of non-consolidated affiliates — — 978 — 978 Property and equipment, net — 35 167 — 202 Deferred income taxes 97 — 388 (202 ) 283 Related party receivables — 22 566 — 588 Other assets 118 61 642 — 821 Due from affiliates 10,754 — — (10,754 ) — Investment in affiliates 8,424 4,660 — (13,084 ) — Total assets $ 20,488 $ 10,121 $ 48,761 $ (24,040 ) $ 55,330 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 26,617 $ — $ 26,617 Unsecured debt 12,141 — 5,572 — 17,713 Accounts payable and accrued expenses 130 205 803 — 1,138 Deferred income — — 844 — 844 Deferred income taxes — 267 5 (202 ) 70 Related party taxes payable 636 — — — 636 Related party payables — — 429 — 429 Other liabilities 72 24 284 — 380 Due to affiliates 6 5,221 5,527 (10,754 ) — Total liabilities 12,985 5,717 40,081 (10,956 ) 47,827 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,815 79 4,948 (5,027 ) 5,815 Accumulated other comprehensive loss (674 ) (108 ) (655 ) 763 (674 ) Retained earnings 2,362 4,433 3,697 (8,130 ) 2,362 Total shareholder's equity 7,503 4,404 8,680 (13,084 ) 7,503 Total liabilities and shareholder's equity $ 20,488 $ 10,121 $ 48,761 $ (24,040 ) $ 55,330 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET December 31, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,266 $ 708 $ — $ 2,974 Finance receivables, net — 2,401 30,599 — 33,000 Leased vehicles, net — — 7,060 — 7,060 Restricted cash — 17 2,054 — 2,071 Goodwill 1,095 — 149 — 1,244 Property and equipment, net — 23 149 — 172 Deferred income taxes 28 — 601 (288 ) 341 Related party receivables — 11 373 — 384 Other assets 94 18 366 — 478 Due from affiliates 6,787 — 400 (7,187 ) — Investment in affiliates 7,684 4,059 — (11,743 ) — Total assets $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 25,214 $ — $ 25,214 Unsecured debt 7,500 — 4,717 — 12,217 Accounts payable and accrued expenses 78 156 768 — 1,002 Deferred income — — 392 — 392 Deferred income taxes — 288 20 (288 ) 20 Related party taxes payable 636 — — — 636 Related party payables — — 433 — 433 Other liabilities 82 12 324 — 418 Due to affiliates — 4,164 3,023 (7,187 ) — Total liabilities 8,296 4,620 34,891 (7,475 ) 40,332 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,799 79 4,064 (4,143 ) 5,799 Accumulated other comprehensive loss (433 ) (64 ) (410 ) 474 (433 ) Retained earnings 2,026 4,160 3,224 (7,384 ) 2,026 Total shareholder's equity 7,392 4,175 7,568 (11,743 ) 7,392 Total liabilities and shareholder's equity $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724
Condensed Consolidating Statement of Income	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended June 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 100 $ 748 $ — $ 848 Leased vehicle income — — 599 — 599 Other income 4 118 40 (94 ) 68 Total revenue 4 218 1,387 (94 ) 1,515 Costs and expenses Salaries and benefits — 77 104 — 181 Other operating expenses (19 ) 73 149 (65 ) 138 Total operating expenses (19 ) 150 253 (65 ) 319 Leased vehicle expenses — — 467 — 467 Provision for loan losses — 116 25 — 141 Interest expense 114 3 303 (29 ) 391 Total costs and expenses 95 269 1,048 (94 ) 1,318 Equity income 223 156 28 (379 ) 28 Income before income taxes 132 105 367 (379 ) 225 Income tax (benefit) provision (54 ) (20 ) 113 — 39 Net income $ 186 $ 125 $ 254 $ (379 ) $ 186 Comprehensive income $ 291 $ 139 $ 353 $ (492 ) $ 291 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended June 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 39 $ 843 $ — $ 882 Leased vehicle income — — 238 — 238 Other income 20 104 42 (95 ) 71 Total revenue 20 143 1,123 (95 ) 1,191 Costs and expenses Salaries and benefits — 63 91 — 154 Other operating expenses (6 ) 41 153 (62 ) 126 Total operating expenses (6 ) 104 244 (62 ) 280 Leased vehicle expenses — — 179 — 179 Provision for loan losses — 75 38 — 113 Interest expense 44 8 335 (33 ) 354 Total costs and expenses 38 187 796 (95 ) 926 Equity income (a) 189 153 — (342 ) — Income before income taxes 171 109 327 (342 ) 265 Income tax (benefit) provision (4 ) (16 ) 110 — 90 Net income $ 175 $ 125 $ 217 $ (342 ) $ 175 Comprehensive income $ 224 $ 148 $ 267 $ (415 ) $ 224 ________________ (a) Equity income has been reclassified from revenue as previously presented. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Six Months Ended June 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 180 $ 1,522 $ — $ 1,702 Leased vehicle income — — 1,030 — 1,030 Other income 11 226 85 (185 ) 137 Total revenue 11 406 2,637 (185 ) 2,869 Costs and expenses Salaries and benefits — 166 180 — 346 Other operating expenses 35 70 303 (129 ) 279 Total operating expenses 35 236 483 (129 ) 625 Leased vehicle expenses — — 794 — 794 Provision for loan losses — 190 106 — 296 Interest expense 208 1 618 (56 ) 771 Total costs and expenses 243 427 2,001 (185 ) 2,486 Equity income 461 285 56 (746 ) 56 Income before income taxes 229 264 692 (746 ) 439 Income tax (benefit) provision (107 ) (9 ) 219 — 103 Net income $ 336 $ 273 $ 473 $ (746 ) $ 336 Comprehensive income $ 95 $ 229 $ 228 $ (457 ) $ 95 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Six Months Ended June 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 69 $ 1,643 $ — $ 1,712 Leased vehicle income — — 438 — 438 Other income 40 231 80 (213 ) 138 Total revenue 40 300 2,161 (213 ) 2,288 Costs and expenses Salaries and benefits — 116 174 — 290 Other operating expenses (5 ) 74 314 (124 ) 259 Total operating expenses (5 ) 190 488 (124 ) 549 Leased vehicle expenses — — 335 — 335 Provision for loan losses — 135 113 — 248 Interest expense 99 19 640 (89 ) 669 Total costs and expenses 94 344 1,576 (213 ) 1,801 Equity income (a) 359 269 — (628 ) — Income before income taxes 305 225 585 (628 ) 487 Income tax (benefit) provision (15 ) (16 ) 198 — 167 Net income $ 320 $ 241 $ 387 $ (628 ) $ 320 Comprehensive income $ 374 $ 244 $ 442 $ (686 ) $ 374 _______________ (a) Equity income has been reclassified from revenue as previously presented.
Condensed Consolidating Statement of Cash Flows	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Six Months Ended June 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ (102 ) $ 150 $ 1,217 $ — $ 1,265 Cash flows from investing activities: Purchases of consumer finance receivables, net — (4,923 ) (6,062 ) 2,619 (8,366 ) Principal collections and recoveries on consumer finance receivables — 246 5,470 — 5,716 Proceeds from sale of consumer finance receivables, net — 2,619 — (2,619 ) — Net funding of commercial finance receivables — 139 (176 ) — (37 ) Purchases of leased vehicles, net — — (6,724 ) — (6,724 ) Proceeds from termination of leased vehicles — — 468 — 468 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (12 ) (32 ) — (44 ) Change in restricted cash — (13 ) (127 ) — (140 ) Change in other assets — — 17 — 17 Net change in investment in affiliates (6 ) (355 ) — 361 — Net cash used in investing activities (519 ) (2,710 ) (7,166 ) 361 (10,034 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — (150 ) — (150 ) Borrowings and issuance of secured debt — — 9,791 — 9,791 Payments on secured debt — — (7,406 ) — (7,406 ) Borrowings and issuance of unsecured debt 4,640 — 2,057 — 6,697 Payments on unsecured debt — — (871 ) — (871 ) Net capital contributions — — 361 (361 ) — Debt issuance costs (36 ) — (65 ) — (101 ) Net change in due from/due to affiliates (3,983 ) 1,455 2,528 — — Net cash provided by financing activities 621 1,455 6,245 (361 ) 7,960 Net increase in cash and cash equivalents — (1,105 ) 296 — (809 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (95 ) — (95 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 1,161 $ 909 $ — $ 2,070 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Six Months Ended June 30, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ 205 $ 141 $ 500 $ — $ 846 Cash flows from investing activities: Purchases of consumer finance receivables, net — (2,924 ) (6,546 ) 2,643 (6,827 ) Principal collections and recoveries on consumer finance receivables — (100 ) 5,400 — 5,300 Proceeds from sale of consumer finance receivables, net — 2,643 — (2,643 ) — Net funding of commercial finance receivables — 256 (495 ) — (239 ) Purchases of leased vehicles, net — — (1,856 ) — (1,856 ) Proceeds from termination of leased vehicles — — 264 — 264 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (2 ) (13 ) — (15 ) Change in restricted cash — (9 ) (227 ) — (236 ) Change in other assets — — (2 ) — (2 ) Net change in investment in affiliates (5 ) 243 — (238 ) — Net cash (used in) provided by investing activities (51 ) 107 (3,475 ) (238 ) (3,657 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — 278 — 278 Borrowings and issuance of secured debt — — 10,722 — 10,722 Payments on secured debt — — (8,445 ) — (8,445 ) Borrowings and issuance of unsecured debt — — 1,472 — 1,472 Payments on unsecured debt — — (838 ) — (838 ) Net capital contributions 26 — (264 ) 238 — Debt issuance costs — — (49 ) — (49 ) Net change in due from/due to affiliates (180 ) 56 124 — — Net cash (used in) provided by financing activities (154 ) 56 3,000 238 3,140 Net increase in cash and cash equivalents — 304 25 — 329 Effect of foreign exchange rate changes on cash and cash equivalents — — 9 — 9 Cash and cash equivalents at beginning of period — 395 679 — 1,074 Cash and cash equivalents at end of period $ — $ 699 $ 713 $ — $ 1,412

Summary of Significant Accoun33

Summary of Significant Accounting Policies - Narrative (Details)	6 Months Ended
	Jun. 30, 2015USD ($)segment	Dec. 31, 2014USD ($)
Summary of Significant Accounting Policies [Line Items]
Decrease to net cash provided by operating activities	$ 58,000,000
Increase to net cash used in investing activities	$ 58,000,000
Number of operating segments \| segment	2
Related party receivables	$ 588,000,000	$ 384,000,000
Intercompany Receivable - Commercial Lending	176,000,000	176,000,000
Intercompany Receivables - Wholesale financing	0	289,000,000
Related party payables	$ 429,000,000	433,000,000
Related party payable settlement period	30 days
Related party taxes payable	$ 636,000,000	$ 636,000,000
Earning assets leverage ratio	7.5
Parent Company [Member] \| United States [Member]
Summary of Significant Accounting Policies [Line Items]
Related party tax expense deferral period	4 years
Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Earning assets leverage ratio	8
Junior Subordinated Revolving Credit Facility [Member]
Summary of Significant Accounting Policies [Line Items]
Line of Credit Facilities - GM Related Party Facility	$ 1,000,000,000
General Motors [Member]
Summary of Significant Accounting Policies [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 4,000,000,000

Acquisition of Ally Financial34

Acquisition of Ally Financial International Operations - Narrative (Details) - USD ($) $ in Millions	Jan. 02, 2015	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2013	Jan. 03, 2015
Business Acquisition [Line Items]
Equity income		$ 28	$ 0	$ 56	$ 0
SAIC-GMAC [Member]
Business Acquisition [Line Items]
Equity interest (percent)	40.00%						35.00%
Aggregate purchase price	$ 1,000
Equity interest (percent)	5.00%
Proceeds from sale	$ 125
Difference between carrying amount and underlying equity	$ 371
Equity income		$ 28		$ 56
Pro forma net income (loss)			$ 204		$ 378
Ally Financial International Operations [Member]
Business Acquisition [Line Items]
Aggregate consideration						$ 3,300
Debt assumed						$ 1,400

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 694	$ 682
Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	27,330	25,623
Consumer Finance Receivables [Member] \| North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	15,490	13,361
Consumer Finance Receivables [Member] \| Deteriorated Credit Quality [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	269	459
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	7,815	8,072	$ 7,114	$ 6,700
Commercial Finance Receivables [Member] \| North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 3,515	$ 3,180	$ 2,373	$ 1,975

Finance Receivables - Finance R

Finance Receivables - Finance Receivables, net (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	$ 34,385	$ 33,000
North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	18,356	15,943
International Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	16,029	17,057
Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	25,931	24,389
Individually evaluated for impairment, net of fees	1,399	1,234
Total finance receivables	27,330	25,623
Less: allowance for loan losses - collective	(518)	(483)
Less: allowance for loan losses - specific	(203)	(172)
Total finance receivables, net	26,609	24,968
Consumer Finance Receivables [Member] \| North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	14,091	12,127
Individually evaluated for impairment, net of fees	1,399	1,234
Total finance receivables	15,490	13,361
Less: allowance for loan losses - collective	(424)	(405)
Less: allowance for loan losses - specific	(203)	(172)
Total finance receivables, net	14,863	12,784
Consumer Finance Receivables [Member] \| North America Segment [Member] \| Post-Acquisition Portfolio [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Deferred Income	164	245
Consumer Finance Receivables [Member] \| International Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	11,840	12,262
Individually evaluated for impairment, net of fees	0	0
Total finance receivables	11,840	12,262
Less: allowance for loan losses - collective	(94)	(78)
Less: allowance for loan losses - specific	0	0
Total finance receivables, net	11,746	12,184
Loans and Leases Receivable, Gross, Consumer, Lease Financing	1,100	1,000
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	7,758	7,983
Individually evaluated for impairment, net of fees	57	89
Total finance receivables	7,815	8,072	$ 7,114	$ 6,700
Less: allowance for loan losses - collective	(34)	(35)
Less: allowance for loan losses - specific	(5)	(5)
Total finance receivables, net	7,776	8,032
Commercial Finance Receivables [Member] \| North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	3,515	3,180
Individually evaluated for impairment, net of fees	0	0
Total finance receivables	3,515	3,180	2,373	1,975
Less: allowance for loan losses - collective	(22)	(21)
Less: allowance for loan losses - specific	0	0
Total finance receivables, net	3,493	3,159
Commercial Finance Receivables [Member] \| International Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	4,243	4,803
Individually evaluated for impairment, net of fees	57	89
Total finance receivables	4,300	4,892	$ 4,741	$ 4,725
Less: allowance for loan losses - collective	(12)	(14)
Less: allowance for loan losses - specific	(5)	(5)
Total finance receivables, net	$ 4,283	$ 4,873

Finance Receivables - Finance37

Finance Receivables - Finance Receivables Summary (Details) - Consumer Finance Receivables [Member] - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			$ 25,623
Balance at end of period	$ 27,330		27,330
Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			25,623	$ 23,130
Loans purchased			8,366	7,045
Principal collections and other			(5,294)	(5,039)
Charge-offs	(220)	$ (191)	(454)	(415)
Foreign currency translation			(911)	325
Balance at end of period	27,330	25,046	27,330	25,046
North America Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			13,361
Balance at end of period	15,490		15,490
North America Segment [Member] \| Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			13,361	11,388
Loans purchased			4,915	2,917
Principal collections and other			(2,393)	(2,052)
Charge-offs	(188)	(157)	(388)	(349)
Foreign currency translation			(5)	0
Balance at end of period	15,490	11,904	15,490	11,904
International Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			12,262
Balance at end of period	11,840		11,840
International Segment [Member] \| Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			12,262	11,742
Loans purchased			3,451	4,128
Principal collections and other			(2,901)	(2,987)
Charge-offs	(32)	(34)	(66)	(66)
Foreign currency translation			(906)	325
Balance at end of period	$ 11,840	$ 13,142	$ 11,840	$ 13,142

Finance Receivables - Allowance

Finance Receivables - Allowance for Loan Losses (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Provision for loan losses	$ 141	$ 113	$ 296	$ 248
Consumer Finance Receivables [Member] \| Post-Acquisition Portfolio
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	692	537	655	497
Provision for loan losses	139	122	296	259
Charge-offs	(220)	(191)	(454)	(415)
Recoveries	111	107	233	234
Foreign currency translation	(1)	0	(9)	0
Balance at end of period	721	575	721	575
Consumer Finance Receivables [Member] \| North America Segment [Member] \| Post-Acquisition Portfolio
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	605	491	577	468
Provision for loan losses	110	89	228	193
Charge-offs	(188)	(157)	(388)	(349)
Recoveries	100	92	210	203
Foreign currency translation	0	0	0	0
Balance at end of period	627	515	627	515
Consumer Finance Receivables [Member] \| International Segment [Member] \| Post-Acquisition Portfolio
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	87	46	78	29
Provision for loan losses	29	33	68	66
Charge-offs	(32)	(34)	(66)	(66)
Recoveries	11	15	23	31
Foreign currency translation	(1)	0	(9)	0
Balance at end of period	$ 94	$ 60	$ 94	$ 60

Finance Receivables - Credit Qu

Finance Receivables - Credit Quality (Details) - Consumer Finance Receivables [Member] - North America Segment [Member] - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 15,490	$ 13,361
Finance receivables credit indicator, Percent	100.00%	100.00%
FICO Score, 680 and Greater [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 1,915	$ 596
Finance receivables credit indicator, Percent	12.40%	4.40%
FICO Score, 620 to 679 [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 2,555	$ 1,691
Finance receivables credit indicator, Percent	16.50%	12.70%
FICO Score, Less than 620 [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 11,020	$ 11,074
Finance receivables credit indicator, Percent	71.10%	82.90%

Finance Receivables - Delinquen

Finance Receivables - Delinquency (Details) - Consumer Finance Receivables [Member] - USD ($) $ in Millions	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
31-60 days	$ 1,062	$ 886
Greater than 60 days	452	388
Greater than 30 days past due	1,514	1,274
In repossession	46	40
Past Due	$ 1,560	$ 1,314
31 - 60 days, Percent of contractual amount due	3.60%	3.50%
Greater than 60 days, Percent of contractual amount due	1.60%	1.60%
Greater than 30 days past due, Percent of contractual amount due	5.20%	5.10%
In repossession, Percent of contractual amount due	0.20%	0.10%
Percent of contractual amount due	5.40%	5.20%
North America Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
31-60 days	$ 917	$ 756
Greater than 60 days	318	255
Greater than 30 days past due	1,235	1,011
In repossession	39	35
Past Due	1,274	1,046
International Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
31-60 days	145	130
Greater than 60 days	134	133
Greater than 30 days past due	279	263
In repossession	7	5
Past Due	$ 286	$ 268

Finance Receivables - Troubled

Finance Receivables - Troubled Debt Restructurings (Details) - North America Segment [Member] - Consumer Finance Receivables [Member] $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015USD ($)loan	Jun. 30, 2014USD ($)loan	Jun. 30, 2015USD ($)loan	Jun. 30, 2014USD ($)loan	Dec. 31, 2014USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding recorded investment	$ 1,399		$ 1,399		$ 1,234
Less: allowance for loan losses	(203)		(203)		(172)
Outstanding recorded investment, net of allowance	1,196		1,196		1,062
Unpaid principal balance	1,426		1,426		$ 1,255
Average recorded investment	1,347	$ 928	1,309	$ 875
Finance charge income recognized	$ 41	$ 30	$ 81	$ 59
Number of loans classified as TDRs during the period \| loan	14,397	12,135	26,124	22,247
Recorded investment of loans classified as TDRs during the period	$ 245	$ 213	$ 446	$ 388

Finance Receivables - Commercia

Finance Receivables - Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period	$ 8,072	$ 6,700
Net funding (collections) of commercial finance receivables	29	341
Charge-offs	0	0
Foreign currency translation	(286)	73
Balance at end of period	7,815	7,114
North America Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period	3,180	1,975
Net funding (collections) of commercial finance receivables	360	397
Charge-offs	0	0
Foreign currency translation	(25)	1
Balance at end of period	3,515	2,373
International Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period	4,892	4,725
Net funding (collections) of commercial finance receivables	(331)	(56)
Charge-offs	0	0
Foreign currency translation	(261)	72
Balance at end of period	$ 4,300	$ 4,741

Finance Receivables - Credit Ri

Finance Receivables - Credit Risk Profile by Dealer grouping of Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	$ 7,815	$ 8,072	$ 7,114	$ 6,700
Group I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	1,068	1,062
Group II
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	2,415	2,090
Group III
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	2,617	2,856
Group IV
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	1,071	1,250
Group V
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	443	559
Group VI
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	$ 201	$ 255

Leased Vehicles - Narrative (De

Leased Vehicles - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Canadian Subsidiary [Member] \| Property Subject to Operating Lease [Member]
Servicing Assets at Fair Value [Line Items]
Servicing Asset at Fair Value, Amount	$ 50	$ 110

Leased Vehicles - Summary of Le

Leased Vehicles - Summary of Leased Vehicles (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased vehicles	$ 17,410	$ 9,747
Manufacturer incentives	(2,745)	(1,479)
Leased vehicles accounted for operating leases net of manufacturing incentives	14,665	8,268
Less: accumulated depreciation	(1,761)	(1,208)
Leased vehicles, net	$ 12,904	$ 7,060

Leased Vehicles - Minimum Renta

Leased Vehicles - Minimum Rental Payments (Details) $ in Millions	Jun. 30, 2015USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,015	$ 1,108
2,016	2,052
2,017	1,552
2,018	546
2,019	$ 42

Restricted Cash (Details)

Restricted Cash (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	$ 1,856	$ 2,071
Revolving Credit Facility [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	241	326
Securitization Notes Payable [Member] \| Consumer Portfolio Segment [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	1,521	1,330
Securitization Notes Payable [Member] \| Commercial Finance Receivables [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	56	65
Other [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	$ 38	$ 350

Equity in Net Assets of Non-c48

Equity in Net Assets of Non-consolidated Affiliates (Details) $ in Millions	Jun. 30, 2015USD ($)
SAIC-GMAC [Member]
Noncontrolling Interest [Line Items]
Undistributed earnings	$ 56

Debt - Narrative (Details)

Debt - Narrative (Details)	6 Months Ended
Debt - Narrative (Details)	Jun. 30, 2015USD ($)	Jul. 23, 2015USD ($)	May. 31, 2015CAD	Apr. 23, 2015USD ($)	Feb. 28, 2015EUR (€)	Jan. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Debt Instrument [Line Items]
Debt instrument, face amount	$ 14,200,000,000						$ 8,400,000,000
Secured Debt [Member]
Debt Instrument [Line Items]
Debt instrument, face amount	6,800,000,000
European Medium Term Notes [Member] \| Euro Medium Due February 2018 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount \| €					€ 650,000,000
Interest rate (percent)					0.85%
Senior Notes [Member] \| Floating Rate Senior Notes Due April 2018 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount				$ 300,000,000
Parent Company [Member] \| Senior Notes [Member]
Debt Instrument [Line Items]
Debt instrument, face amount				2,400,000,000		$ 2,250,000,000
Parent Company [Member] \| Senior Notes [Member] \| Senior Notes Due January 2020 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount						$ 1,000,000,000
Interest rate (percent)						3.15%
Parent Company [Member] \| Senior Notes [Member] \| Senior Notes Due January 2025 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount						$ 1,000,000,000
Interest rate (percent)						4.00%
Parent Company [Member] \| Senior Notes [Member] \| Floating Rate Senior Notes Due January 2020 [Member] \| London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument [Line Items]
Debt instrument, face amount						$ 250,000,000
Parent Company [Member] \| Senior Notes [Member] \| Senior Notes Due April 2018 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount				$ 850,000,000
Interest rate (percent)				2.40%
Parent Company [Member] \| Senior Notes [Member] \| Senior Notes Due 2022 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount				$ 1,250,000,000
Interest rate (percent)				3.45%
Parent Company [Member] \| Senior Notes [Member] \| Notes Due May 2020 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount \| CAD			CAD 500,000,000
Interest rate (percent)			3.08%
Parent Company [Member] \| Subsequent Event [Member] \| Senior Notes [Member]
Debt Instrument [Line Items]
Debt instrument, face amount		$ 2,300,000,000
Parent Company [Member] \| Subsequent Event [Member] \| Senior Notes [Member] \| Senior Notes Due July 2020 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount		$ 1,500,000,000
Interest rate (percent)		3.20%
Parent Company [Member] \| Subsequent Event [Member] \| Senior Notes [Member] \| Senior Notes Due July 2025 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount		$ 800,000,000
Interest rate (percent)		4.30%
Revolving Credit Facility [Member] \| Unsecured Debt [Member] \| International Segment [Member]
Debt Instrument [Line Items]
Increase in Credit Facilities during period	185,000,000
Revolving Credit Facility [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Increase in Credit Facilities during period	$ 4,100,000,000

Debt - Short Term and Long Term

Debt - Short Term and Long Term Debt (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Short Term and Long Term Debt [Line Items]
Secured debt	$ 26,617	$ 25,214
Unsecured debt	17,713	12,217
Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	6,211	7,028
Unsecured debt	2,848	2,974
Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	14,143	8,450
Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	722	793
North America Segment [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	17,693	15,454
Unsecured debt	12,862	7,846
North America Segment [Member] \| Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	1,008	1,701
Unsecured debt	0	0
North America Segment [Member] \| Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	12,862	7,846
North America Segment [Member] \| Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	0	0
International Segment [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	8,924	9,760
Unsecured debt	4,851	4,371
International Segment [Member] \| Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	5,203	5,327
Unsecured debt	2,848	2,974
International Segment [Member] \| Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,281	604
International Segment [Member] \| Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	722	793
Consumer Portfolio Segment [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	18,225	16,121
Consumer Portfolio Segment [Member] \| North America Segment [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	15,435	13,253
Consumer Portfolio Segment [Member] \| International Segment [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	2,790	2,868
Commercial Finance Receivables [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	2,181	2,065
Commercial Finance Receivables [Member] \| North America Segment [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	1,250	500
Commercial Finance Receivables [Member] \| International Segment [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	$ 931	$ 1,565

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($) $ in Billions	Jun. 30, 2015	Dec. 31, 2014
Variable Interest Entities [Abstract]
Transfers of finance receivables	$ 2.1	$ 2.5
Transfers of finance receivables outstanding balance	$ 2	$ 2.4

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities of Consolidated VIE's (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Restricted cash	$ 1,856	$ 2,071
Finance receivables, net	34,385	33,000
Leased vehicles assets	12,904	7,060
Securitization and Credit Facility VIEs [Member]
Variable Interest Entity [Line Items]
Restricted cash	1,818	1,721
Finance receivables, net	23,859	23,109
Leased vehicles assets	6,877	4,595
Secured debt	$ 24,651	$ 22,794

Variable Interest Entities - 53

Variable Interest Entities - Assets and Liabilities (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Assets	$ 55,330	$ 47,724
Liabilities	47,827	40,332
Finance receivables, net	34,385	33,000
Secured debt	26,617	25,214
Other VIE [Member]
Variable Interest Entity [Line Items]
Assets	3,585	3,696
Liabilities	2,872	3,184
Finance receivables, net	3,200	3,600
Secured debt	$ 2,100	$ 2,500

Variable Interest Entities - Re

Variable Interest Entities - Revenue and Net Income from Entities (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Variable Interest Entity [Line Items]
Total revenue	$ 1,515	$ 1,191	$ 2,869	$ 2,288
Net income	186	175	336	320
Other VIE [Member]
Variable Interest Entity [Line Items]
Total revenue	40	60	81	118
Net income	$ 8	$ 11	$ 19	$ 21

Derivative Financial Instrume55

Derivative Financial Instruments And Hedging Activities (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 5,394	$ 5,369
Derivative Asset	10	16
Other Assets [Member] \| Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	2,845	1,652
Derivative Asset	6	6
Other Assets [Member] \| Interest Rate Caps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	2,549	2,123
Derivative Asset	4	6
Other Assets [Member] \| Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	0	1,594
Derivative Asset	0	4
Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	9,525	8,475
Derivative Liability	44	46
Other Liabilities [Member] \| Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	5,961	5,627
Derivative Liability	24	39
Other Liabilities [Member] \| Interest Rate Caps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	2,197	1,804
Derivative Liability	3	6
Other Liabilities [Member] \| Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	1,367	1,044
Derivative Liability	$ 17	$ 1

Derivative Financial Instrume56

Derivative Financial Instruments And Hedging Activities - Derivatives Income (Losses) Recognized in Income (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest rate contracts	$ 7	$ 1	$ 1	$ (9)
Foreign currency derivatives	(58)	(26)	11	(42)
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (51)	$ (25)	$ 12	$ (51)

Fair Values of Financial Inst57

Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted cash	$ 1,856	$ 2,071
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value disclosure	2,070	2,974
Finance receivables, net	34,385	33,000
Restricted cash	1,856	2,071
Reported Value Measurement [Member] \| North America Segment [Member] \| Secured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	17,693	15,454
Reported Value Measurement [Member] \| North America Segment [Member] \| Unsecured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	12,862	7,846
Reported Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,791	5,690
Reported Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,133	4,070
Reported Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	3,667	3,496
Reported Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	1,184	875
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value disclosure	2,070	2,974
Finance receivables, net	34,749	33,573
Restricted cash	1,856	2,071
Estimate of Fair Value Measurement [Member] \| North America Segment [Member] \| Secured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	17,734	15,497
Estimate of Fair Value Measurement [Member] \| North America Segment [Member] \| Unsecured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	13,070	8,092
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,795	5,694
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,099	4,037
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	3,665	3,507
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	$ 1,191	$ 880

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Debt instrument, face amount	$ 14,200	$ 8,400
Estimate of possible loss	100
Loss accrual	44
Indirect tax contingency	$ 53

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
Income Taxes (Details) - USD ($) $ in Millions	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Income Tax Disclosure [Abstract]
Income tax (benefit) provision	$ 39	$ 90	$ 103	$ 167

Segment Reporting - Narrative (

Segment Reporting - Narrative (Details)	6 Months Ended
Segment Reporting - Narrative (Details)	Jun. 30, 2015segment
Segment Reporting [Abstract]
Number of operating segments	2

Segment Reporting - Operations

Segment Reporting - Operations Reporting by Revenue (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Segment Reporting Information [Line Items]
Total revenue	$ 1,515	$ 1,191	$ 2,869	$ 2,288
Operating expenses, including leased vehicle expenses	786	459	1,419	884
Provision for loan losses	141	113	296	248
Interest expense	391	354	771	669
Equity income	28	0	56	0
Income before income taxes	225	265	439	487
Operating Segments [Member] \| North America Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	1,085	691	1,991	1,327
Operating expenses, including leased vehicle expenses	648	310	1,135	584
Provision for loan losses	111	90	229	193
Interest expense	193	104	358	196
Equity income	0		0
Income before income taxes	133	187	269	354
Operating Segments [Member] \| International Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	430	500	878	961
Operating expenses, including leased vehicle expenses	138	149	284	300
Provision for loan losses	30	23	67	55
Interest expense	183	248	389	462
Equity income	28		56
Income before income taxes	107	80	194	144
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	4	15	11	31
Operating expenses, including leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	19	17	35	42
Equity income	0		0
Income before income taxes	(15)	(2)	(24)	(11)
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Total revenue	(4)	(15)	(11)	(31)
Operating expenses, including leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	(4)	(15)	(11)	(31)
Equity income	0		0
Income before income taxes	$ 0	$ 0	$ 0	$ 0

Segment Reporting - Operation62

Segment Reporting - Operations Reporting by Assets (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Finance receivables, net	$ 34,385	$ 33,000
Leased vehicles, net	12,904	7,060
Total assets	55,330	47,724
North America Segment [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	18,356	15,943
Leased vehicles, net	12,846	7,029
Total assets	35,941	27,687
International Segment [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	16,029	17,057
Leased vehicles, net	58	31
Total assets	$ 19,389	$ 20,037

Accumulated Other Comprehensi63

Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Defined benefit plans, net: Balance at beginning of period	$ (10)	$ 3	$ (11)	$ 3
Unrealized gain on subsidiary pension	0	0	1	0
Defined benefit plans, net: Balance at end of period	(10)	3	(10)	3
Foreign currency translation adjustment: Balance at beginning of period	(769)	13	(422)	8
Translation gain (loss)	105	49	(242)	54
Foreign currency translation adjustment: Balance at end of period	(664)	62	(664)	62
Total accumulated other comprehensive (loss) income	$ (674)	$ 65	$ (674)	$ 65	$ (433)

Regulatory Capital (Details)

Regulatory Capital (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 55,330	$ 47,724
International Regulated Bank And Finance Companies [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 11,700	$ 11,400

Guarantor Condensed Consolida65

Guarantor Condensed Consolidating Financial Statements Current Period Guarantor Balance Sheet (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	$ 2,070	$ 2,974	$ 1,412	$ 1,074
Finance receivables, net	34,385	33,000
Leased vehicles, net	12,904	7,060
Restricted cash	1,856	2,071
Goodwill	1,243	1,244
Equity in net assets of non-consolidated affiliates	978	0
Property and equipment, net	202	172
Deferred income taxes	283	341
Related party receivables	588	384
Other assets	821	478
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	55,330	47,724
Secured debt	26,617	25,214
Unsecured debt	17,713	12,217
Accounts payable and accrued expenses	1,138	1,002
Deferred income	844	392
Deferred income taxes	70	20
Related party taxes payable	636	636
Related party payables	429	433
Other liabilities	380	418
Due to affiliates	0	0
Total liabilities	47,827	40,332
Common stock	0	0
Additional paid-in capital	5,815	5,799
Accumulated other comprehensive loss	(674)	(433)	65
Retained earnings	2,362	2,026
Total shareholder's equity	7,503	7,392
Total liabilities and shareholder's equity	55,330	47,724
Parent Company [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0	0	0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Restricted cash	0	0
Goodwill	1,095	1,095
Equity in net assets of non-consolidated affiliates	0
Property and equipment, net	0	0
Deferred income taxes	97	28
Related party receivables	0	0
Other assets	118	94
Due from affiliates	10,754	6,787
Investment in affiliates	8,424	7,684
Total assets	20,488	15,688
Secured debt	0	0
Unsecured debt	12,141	7,500
Accounts payable and accrued expenses	130	78
Deferred income	0	0
Deferred income taxes	0	0
Related party taxes payable	636	636
Related party payables	0	0
Other liabilities	72	82
Due to affiliates	6	0
Total liabilities	12,985	8,296
Common stock	0	0
Additional paid-in capital	5,815	5,799
Accumulated other comprehensive loss	(674)	(433)
Retained earnings	2,362	2,026
Total shareholder's equity	7,503	7,392
Total liabilities and shareholder's equity	20,488	15,688
Guarantor [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	1,161	2,266	699	395
Finance receivables, net	4,152	2,401
Leased vehicles, net	0	0
Restricted cash	30	17
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0
Property and equipment, net	35	23
Deferred income taxes	0	0
Related party receivables	22	11
Other assets	61	18
Due from affiliates	0	0
Investment in affiliates	4,660	4,059
Total assets	10,121	8,795
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	205	156
Deferred income	0	0
Deferred income taxes	267	288
Related party taxes payable	0	0
Related party payables	0	0
Other liabilities	24	12
Due to affiliates	5,221	4,164
Total liabilities	5,717	4,620
Common stock	0	0
Additional paid-in capital	79	79
Accumulated other comprehensive loss	(108)	(64)
Retained earnings	4,433	4,160
Total shareholder's equity	4,404	4,175
Total liabilities and shareholder's equity	10,121	8,795
Non-Guarantors [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	909	708	713	679
Finance receivables, net	30,233	30,599
Leased vehicles, net	12,904	7,060
Restricted cash	1,826	2,054
Goodwill	148	149
Equity in net assets of non-consolidated affiliates	978
Property and equipment, net	167	149
Deferred income taxes	388	601
Related party receivables	566	373
Other assets	642	366
Due from affiliates	0	400
Investment in affiliates	0	0
Total assets	48,761	42,459
Secured debt	26,617	25,214
Unsecured debt	5,572	4,717
Accounts payable and accrued expenses	803	768
Deferred income	844	392
Deferred income taxes	5	20
Related party taxes payable	0	0
Related party payables	429	433
Other liabilities	284	324
Due to affiliates	5,527	3,023
Total liabilities	40,081	34,891
Common stock	690	690
Additional paid-in capital	4,948	4,064
Accumulated other comprehensive loss	(655)	(410)
Retained earnings	3,697	3,224
Total shareholder's equity	8,680	7,568
Total liabilities and shareholder's equity	48,761	42,459
Eliminations [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0	$ 0	$ 0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Restricted cash	0	0
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0
Property and equipment, net	0	0
Deferred income taxes	(202)	(288)
Related party receivables	0	0
Other assets	0	0
Due from affiliates	(10,754)	(7,187)
Investment in affiliates	(13,084)	(11,743)
Total assets	(24,040)	(19,218)
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	0	0
Deferred income	0	0
Deferred income taxes	(202)	(288)
Related party taxes payable	0	0
Related party payables	0	0
Other liabilities	0	0
Due to affiliates	(10,754)	(7,187)
Total liabilities	(10,956)	(7,475)
Common stock	(690)	(690)
Additional paid-in capital	(5,027)	(4,143)
Accumulated other comprehensive loss	763	474
Retained earnings	(8,130)	(7,384)
Total shareholder's equity	(13,084)	(11,743)
Total liabilities and shareholder's equity	$ (24,040)	$ (19,218)

Guarantor Condensed Consolida66

Guarantor Condensed Consolidating Financial Statements Guarantor Income Statements (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Condensed Income Statements, Captions [Line Items]
Finance charge income	$ 848	$ 882	$ 1,702	$ 1,712
Leased vehicle income	599	238	1,030	438
Other income	68	71	137	138
Total revenue	1,515	1,191	2,869	2,288
Salaries and benefits	181	154	346	290
Other operating expenses	138	126	279	259
Total operating expenses	319	280	625	549
Leased vehicle expenses	467	179	794	335
Provision for loan losses	141	113	296	248
Interest expense	391	354	771	669
Total costs and expenses	1,318	926	2,486	1,801
Equity income	28	0	56	0
Income before income taxes	225	265	439	487
Income tax (benefit) provision	39	90	103	167
Net income	186	175	336	320
Comprehensive income	291	224	95	374
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	0	0	0	0
Leased vehicle income	0	0	0	0
Other income	4	20	11	40
Total revenue	4	20	11	40
Salaries and benefits	0	0	0	0
Other operating expenses	(19)	(6)	35	(5)
Total operating expenses	(19)	(6)	35	(5)
Leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	114	44	208	99
Total costs and expenses	95	38	243	94
Equity income	223	189	461	359
Income before income taxes	132	171	229	305
Income tax (benefit) provision	(54)	(4)	(107)	(15)
Net income	186	175	336	320
Comprehensive income	291	224	95	374
Guarantor [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	100	39	180	69
Leased vehicle income	0	0	0	0
Other income	118	104	226	231
Total revenue	218	143	406	300
Salaries and benefits	77	63	166	116
Other operating expenses	73	41	70	74
Total operating expenses	150	104	236	190
Leased vehicle expenses	0	0	0	0
Provision for loan losses	116	75	190	135
Interest expense	3	8	1	19
Total costs and expenses	269	187	427	344
Equity income	156	153	285	269
Income before income taxes	105	109	264	225
Income tax (benefit) provision	(20)	(16)	(9)	(16)
Net income	125	125	273	241
Comprehensive income	139	148	229	244
Non-Guarantors [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	748	843	1,522	1,643
Leased vehicle income	599	238	1,030	438
Other income	40	42	85	80
Total revenue	1,387	1,123	2,637	2,161
Salaries and benefits	104	91	180	174
Other operating expenses	149	153	303	314
Total operating expenses	253	244	483	488
Leased vehicle expenses	467	179	794	335
Provision for loan losses	25	38	106	113
Interest expense	303	335	618	640
Total costs and expenses	1,048	796	2,001	1,576
Equity income	28	0	56	0
Income before income taxes	367	327	692	585
Income tax (benefit) provision	113	110	219	198
Net income	254	217	473	387
Comprehensive income	353	267	228	442
Eliminations [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	0	0	0	0
Leased vehicle income	0	0	0	0
Other income	(94)	(95)	(185)	(213)
Total revenue	(94)	(95)	(185)	(213)
Salaries and benefits	0	0	0	0
Other operating expenses	(65)	(62)	(129)	(124)
Total operating expenses	(65)	(62)	(129)	(124)
Leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	(29)	(33)	(56)	(89)
Total costs and expenses	(94)	(95)	(185)	(213)
Equity income	(379)	(342)	(746)	(628)
Income before income taxes	(379)	(342)	(746)	(628)
Income tax (benefit) provision	0	0	0	0
Net income	(379)	(342)	(746)	(628)
Comprehensive income	$ (492)	$ (415)	$ (457)	$ (686)

Guarantor Condensed Consolida67

Guarantor Condensed Consolidating Financial Statements Guarantor Cash Flows (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	$ 1,265	$ 846
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(8,366)	(6,827)
Principal collections and recoveries on consumer finance receivables	5,716	5,300
Proceeds from sale of consumer finance receivables, net	0	0
Net funding of commercial finance receivables	(37)	(239)
Purchases of leased vehicles, net	(6,724)	(1,856)
Proceeds from termination of leased vehicles	468	264
Acquisition of international operations	(1,049)	(46)
Disposition of equity interest	125
Purchases of property and equipment	(44)	(15)
Change in restricted cash	(140)	(236)
Change in other assets	17	(2)
Net change in investment in affiliates	0	0
Net cash used in investing activities	(10,034)	(3,657)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	(150)	278
Borrowings and issuance of secured debt	9,791	10,722
Payments on secured debt	(7,406)	(8,445)
Borrowings and issuance of unsecured debt	6,697	1,472
Payments on unsecured debt	(871)	(838)
Net capital contributions	0	0
Debt issuance costs	(101)	(49)
Net change in due from/due to affiliates	0	0
Net cash provided by financing activities	7,960	3,140
Net (decrease) increase in cash and cash equivalents	(809)	329
Effect of foreign exchange rate changes on cash and cash equivalents	(95)	9
Cash and cash equivalents at beginning of period	2,974	1,074
Cash and cash equivalents at end of period	2,070	1,412
Parent Company [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	(102)	205
Cash flows from investing activities:
Purchases of consumer finance receivables, net	0	0
Principal collections and recoveries on consumer finance receivables	0	0
Proceeds from sale of consumer finance receivables, net		0
Net funding of commercial finance receivables	0	0
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations	(513)	(46)
Disposition of equity interest	0
Purchases of property and equipment	0	0
Change in restricted cash	0	0
Change in other assets	0	0
Net change in investment in affiliates	(6)	(5)
Net cash used in investing activities	(519)	(51)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	0	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	4,640	0
Payments on unsecured debt	0	0
Net capital contributions	0	26
Debt issuance costs	(36)	0
Net change in due from/due to affiliates	(3,983)	(180)
Net cash provided by financing activities	621	(154)
Net (decrease) increase in cash and cash equivalents	0	0
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	0	0
Cash and cash equivalents at end of period	0	0
Guarantor [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	150	141
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(4,923)	(2,924)
Principal collections and recoveries on consumer finance receivables	246	(100)
Proceeds from sale of consumer finance receivables, net	2,619	2,643
Net funding of commercial finance receivables	139	256
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations	(536)	0
Disposition of equity interest	125
Purchases of property and equipment	(12)	(2)
Change in restricted cash	(13)	(9)
Change in other assets	0	0
Net change in investment in affiliates	(355)	243
Net cash used in investing activities	(2,710)	107
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	0	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	0	0
Payments on unsecured debt	0	0
Net capital contributions	0	0
Debt issuance costs	0	0
Net change in due from/due to affiliates	1,455	56
Net cash provided by financing activities	1,455	56
Net (decrease) increase in cash and cash equivalents	(1,105)	304
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	2,266	395
Cash and cash equivalents at end of period	1,161	699
Non-Guarantors [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	1,217	500
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(6,062)	(6,546)
Principal collections and recoveries on consumer finance receivables	5,470	5,400
Proceeds from sale of consumer finance receivables, net	0	0
Net funding of commercial finance receivables	(176)	(495)
Purchases of leased vehicles, net	(6,724)	(1,856)
Proceeds from termination of leased vehicles	468	264
Acquisition of international operations	0	0
Disposition of equity interest	0
Purchases of property and equipment	(32)	(13)
Change in restricted cash	(127)	(227)
Change in other assets	17	(2)
Net change in investment in affiliates	0	0
Net cash used in investing activities	(7,166)	(3,475)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	(150)	278
Borrowings and issuance of secured debt	9,791	10,722
Payments on secured debt	(7,406)	(8,445)
Borrowings and issuance of unsecured debt	2,057	1,472
Payments on unsecured debt	(871)	(838)
Net capital contributions	361	(264)
Debt issuance costs	(65)	(49)
Net change in due from/due to affiliates	2,528	124
Net cash provided by financing activities	6,245	3,000
Net (decrease) increase in cash and cash equivalents	296	25
Effect of foreign exchange rate changes on cash and cash equivalents	(95)	9
Cash and cash equivalents at beginning of period	708	679
Cash and cash equivalents at end of period	909	713
Eliminations [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	0	0
Cash flows from investing activities:
Purchases of consumer finance receivables, net	2,619	2,643
Principal collections and recoveries on consumer finance receivables	0	0
Proceeds from sale of consumer finance receivables, net	(2,619)	(2,643)
Net funding of commercial finance receivables	0	0
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations	0	0
Disposition of equity interest		0
Purchases of property and equipment	0	0
Change in restricted cash	0	0
Change in other assets	0	0
Net change in investment in affiliates	361	(238)
Net cash used in investing activities	361	(238)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	0	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	0	0
Payments on unsecured debt	0	0
Net capital contributions	(361)	238
Debt issuance costs	0	0
Net change in due from/due to affiliates	0	0
Net cash provided by financing activities	(361)	238
Net (decrease) increase in cash and cash equivalents	0	0
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	0	0
Cash and cash equivalents at end of period	$ 0	$ 0