$ally 2010 Q4 8-K

Concept	2010 Q4	2010	2009
Revenue		$3.745B	$6.202B
YoY Change		-39.62%
Cost Of Revenue		$511.0M	$992.0M
YoY Change		-48.49%
Gross Profit		$3.234B	$5.210B
YoY Change		-37.93%
Gross Profit Margin		86.36%	84.01%
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development		$320.0M
YoY Change
% of Gross Profit		9.89%
Depreciation & Amortization	$900.0M	$4.146B	$5.958B
YoY Change	-25.74%	-30.41%	-11.37%
% of Gross Profit		128.2%	114.36%
Operating Expenses		$320.0M
YoY Change
Operating Profit		$2.914B
YoY Change
Interest Expense		$4.832B	$7.091B
YoY Change		-31.86%
% of Operating Profit		165.82%
Other Income/Expense, Net
YoY Change
Pretax Income	$225.0M	-$237.0M	-$6.909B
YoY Change	-105.86%	-96.57%	-245.85%
Income Tax	$45.00M	$97.00M	$74.00M
% Of Pretax Income	20.0%
Net Earnings	$79.00M	$1.029B	-$10.30B
YoY Change	-101.59%	-109.99%	-651.28%
Net Earnings / Revenue		27.48%	-166.04%
Basic Earnings Per Share		-$1.039K	-$21.77K
Diluted Earnings Per Share	$316.0K	-$1.039K	-$21.77K
COMMON SHARES
Basic Shares Outstanding		800.6K shares	529.4K shares
Diluted Shares Outstanding		800.6K shares	529.4K shares

Concept	2010 Q4	2010	2009
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents	$11.67B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment	$376.0M	$9.504B	$16.33B
YoY Change	11.9%	-41.8%	-38.12%
Goodwill	$525.0M
YoY Change	-0.19%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$690.0M	$690.0M	$6.584B
YoY Change	-89.52%	-89.52%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	$172.0B	$172.0B	$172.3B
YoY Change	-0.17%	-0.17%	-9.06%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$1.829B	$3.096B	$2.912B
YoY Change	11.73%	6.32%	-29.03%
Accrued Expenses	$12.13B	$972.0M	$1.125B
YoY Change	15.97%	-13.6%	-43.47%
Deferred Revenue
YoY Change
Short-Term Debt	$7.508B	$6.208B	$10.29B
YoY Change	-27.05%	-39.68%	-0.91%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$13.96B	$4.068B	$4.793B
YoY Change	15.4%	-15.13%	-27.37%
LONG-TERM LIABILITIES
Long-Term Debt	$86.61B	$86.61B	$88.02B
YoY Change	-1.6%	-1.6%	-24.08%
Other Long-Term Liabilities	$680.0M	$14.28B	$16.30B
YoY Change	-86.12%	-12.39%	13.71%
Total Long-Term Liabilities	$87.29B	$100.9B	$104.3B
YoY Change	-6.06%	-3.29%	-19.92%
TOTAL LIABILITIES
Total Short-Term Liabilities	$13.96B	$4.068B	$4.793B
Total Long-Term Liabilities	$87.29B	$100.9B	$104.3B
Total Liabilities	$151.5B	$151.5B	$151.5B
YoY Change	0.03%	0.03%	-9.64%
SHAREHOLDERS EQUITY
Retained Earnings	-$6.410B
YoY Change
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$20.40B	$20.49B	$20.84B
YoY Change
Total Liabilities & Shareholders Equity	$172.0B	$172.0B	$172.3B
YoY Change	-0.17%	-0.17%	-9.06%

Concept	2010 Q4	2010	2009
OPERATING ACTIVITIES
Net Income	$79.00M	$1.029B	-$10.30B
YoY Change	-101.59%	-109.99%	-651.28%
Depreciation, Depletion And Amortization	$900.0M	$4.146B	$5.958B
YoY Change	-25.74%	-30.41%	-11.37%
Cash From Operating Activities	$150.0M	$11.61B	-$5.132B
YoY Change	-101.91%	-326.17%	-136.41%
INVESTING ACTIVITIES
Capital Expenditures	-$1.146B
YoY Change	329.21%
Acquisitions
YoY Change
Other Investing Activities	-$2.818B	-$3.119B	-$2.098B
YoY Change	-132.41%	48.67%	-119.22%
Cash From Investing Activities	-$3.964B	-$7.567B	$17.13B
YoY Change	-147.04%	-144.18%	56.88%
FINANCING ACTIVITIES
Cash Dividend Paid		$1.253B	$1.592B
YoY Change		-21.29%
Common Stock Issuance & Retirement, Net		$0.00	$1.247B
YoY Change		-100.0%	-75.06%
Debt Paid & Issued, Net		$49.53B	$61.49B
YoY Change		-19.45%
Cash From Financing Activities	3.294B	-$7.985B	-$10.98B
YoY Change	36500.0%	-27.28%	-61.02%
NET CHANGE
Cash From Operating Activities	150.0M	$11.61B	-$5.132B
Cash From Investing Activities	-3.964B	-$7.567B	$17.13B
Cash From Financing Activities	3.294B	-$7.985B	-$10.98B
Net Change In Cash	-520.0M	-$3.945B	$1.016B
YoY Change	-190.43%	-488.29%	-132.2%
FREE CASH FLOW
Cash From Operating Activities	$150.0M	$11.61B	-$5.132B
Capital Expenditures	-$1.146B
Free Cash Flow	$1.296B
YoY Change	-117.07%

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	us-gaap	Adjustments To Additional Paid In Capital Other AdjustmentsToAdditionalPaidInCapitalOther	55000000	USD
CY2010Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	259000000	USD
CY2011Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	87000000	USD
CY2010	us-gaap	Adjustments To Additional Paid In Capital Other AdjustmentsToAdditionalPaidInCapitalOther	15000000	USD
CY2009	us-gaap	Effect Of Exchange Rate On Cash And Cash Equivalents EffectOfExchangeRateOnCashAndCashEquivalents	-602000000	USD
CY2010	us-gaap	Effect Of Exchange Rate On Cash And Cash Equivalents EffectOfExchangeRateOnCashAndCashEquivalents	102000000	USD
CY2010Q4	us-gaap	Assets Assets	172008000000	USD
CY2011Q4	us-gaap	Assets Assets	184059000000	USD
CY2011Q4	us-gaap	Assets Of Disposal Group Including Discontinued Operation AssetsOfDisposalGroupIncludingDiscontinuedOperation	1070000000	USD
CY2010Q4	us-gaap	Assets Of Disposal Group Including Discontinued Operation AssetsOfDisposalGroupIncludingDiscontinuedOperation	690000000	USD
CY2010Q4	us-gaap	Available For Sale Securities AvailableForSaleSecurities	14846000000	USD
CY2011Q4	us-gaap	Available For Sale Securities AvailableForSaleSecurities	15135000000	USD
CY2011	us-gaap	Availableforsale Securities Gross Realized Gain Loss Excluding Other Than Temporary Impairments AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments	294000000	USD
CY2009	us-gaap	Availableforsale Securities Gross Realized Gain Loss Excluding Other Than Temporary Impairments AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments	162000000	USD
CY2010	us-gaap	Availableforsale Securities Gross Realized Gain Loss Excluding Other Than Temporary Impairments AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments	504000000	USD
CY2010Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	11670000000	USD
CY2011Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	13035000000	USD
CY2009Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	14788000000	USD
CY2008Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	15151000000	USD
CY2011	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	1464000000	USD
CY2009	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	414000000	USD
CY2010	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	-3843000000	USD
CY2010Q4	us-gaap	Cash And Due From Banks CashAndDueFromBanks	1714000000	USD
CY2011Q4	us-gaap	Cash And Due From Banks CashAndDueFromBanks	2475000000	USD
CY2010Q4	us-gaap	Common Stock Including Additional Paid In Capital Net Of Discount CommonStockIncludingAdditionalPaidInCapitalNetOfDiscount	19668000000	USD
CY2011Q4	us-gaap	Common Stock Including Additional Paid In Capital Net Of Discount CommonStockIncludingAdditionalPaidInCapitalNetOfDiscount	19668000000	USD
CY2011	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	-329000000	USD
CY2010	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	870000000	USD
CY2009	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	-9449000000	USD
CY2010	us-gaap	Conversion Of Stock Amount Converted1 ConversionOfStockAmountConverted1	0	USD
	us-gaap	Conversion Of Stock Amount Converted1 ConversionOfStockAmountConverted1	0	USD
CY2010Q4	us-gaap	Deposits Deposits	39048000000	USD
CY2011Q4	us-gaap	Deposits Deposits	45050000000	USD
CY2010	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	4100000000	USD
CY2011	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	2713000000	USD
CY2009	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	5958000000	USD
CY2010	us-gaap	Dividends Common Stock DividendsCommonStock	11000000	USD
	us-gaap	Dividends Common Stock DividendsCommonStock	274000000	USD
CY2009	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-21765
CY2010	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-981
CY2011	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-691
CY2010	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-981
CY2009	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-21765
CY2011	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-691
CY2011	us-gaap	Effect Of Exchange Rate On Cash And Cash Equivalents EffectOfExchangeRateOnCashAndCashEquivalents	49000000	USD
CY2011	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	470000000	USD
CY2009	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	799000000	USD
CY2010	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	1261000000	USD
CY2009	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	665000000	USD
CY2010	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-123000000	USD
CY2011	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-64000000	USD
CY2009	us-gaap	Goodwill And Intangible Asset Impairment GoodwillAndIntangibleAssetImpairment	607000000	USD
CY2010	us-gaap	Goodwill And Intangible Asset Impairment GoodwillAndIntangibleAssetImpairment	0	USD
CY2011	us-gaap	Goodwill And Intangible Asset Impairment GoodwillAndIntangibleAssetImpairment	0	USD
CY2009	us-gaap	Income Loss From Continuing Operations IncomeLossFromContinuingOperations	-6983000000	USD
CY2011	us-gaap	Income Loss From Continuing Operations IncomeLossFromContinuingOperations	-112000000	USD
CY2010	us-gaap	Income Loss From Continuing Operations IncomeLossFromContinuingOperations	986000000	USD
CY2011	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	67000000	USD
CY2010	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	1139000000	USD
CY2009	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	-6909000000	USD
CY2009	us-gaap	Income Loss From Continuing Operations Per Basic Share IncomeLossFromContinuingOperationsPerBasicShare	-15503
CY2010	us-gaap	Income Loss From Continuing Operations Per Basic Share IncomeLossFromContinuingOperationsPerBasicShare	-1092
CY2011	us-gaap	Income Loss From Continuing Operations Per Basic Share IncomeLossFromContinuingOperationsPerBasicShare	-658
CY2011	us-gaap	Income Loss From Continuing Operations Per Diluted Share IncomeLossFromContinuingOperationsPerDilutedShare	-658
CY2010	us-gaap	Income Loss From Continuing Operations Per Diluted Share IncomeLossFromContinuingOperationsPerDilutedShare	-1092
CY2009	us-gaap	Income Loss From Continuing Operations Per Diluted Share IncomeLossFromContinuingOperationsPerDilutedShare	-15503
CY2009	us-gaap	Income Loss From Discontinued Operations Net Of Tax IncomeLossFromDiscontinuedOperationsNetOfTax	-3315000000	USD
CY2011	us-gaap	Income Loss From Discontinued Operations Net Of Tax IncomeLossFromDiscontinuedOperationsNetOfTax	-45000000	USD
CY2010	us-gaap	Income Loss From Discontinued Operations Net Of Tax IncomeLossFromDiscontinuedOperationsNetOfTax	89000000	USD
CY2010	us-gaap	Income Loss From Discontinued Operations Net Of Tax Per Basic Share IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare	111
CY2011	us-gaap	Income Loss From Discontinued Operations Net Of Tax Per Basic Share IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare	-33
CY2009	us-gaap	Income Loss From Discontinued Operations Net Of Tax Per Basic Share IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare	-6262
CY2010	us-gaap	Income Loss From Discontinued Operations Net Of Tax Per Diluted Share IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare	111
CY2011	us-gaap	Income Loss From Discontinued Operations Net Of Tax Per Diluted Share IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare	-33
CY2009	us-gaap	Income Loss From Discontinued Operations Net Of Tax Per Diluted Share IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare	-6262
CY2011	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	179000000	USD
CY2010	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	153000000	USD
CY2009	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	74000000	USD
CY2010	us-gaap	Income Taxes Paid IncomeTaxesPaid	517000000	USD
CY2009	us-gaap	Income Taxes Paid IncomeTaxesPaid	355000000	USD
CY2011	us-gaap	Income Taxes Paid IncomeTaxesPaid	507000000	USD
CY2010	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	272000000	USD
CY2011	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	198000000	USD
CY2009	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	402000000	USD
CY2011	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	5840000000	USD
CY2010	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	6556000000	USD
CY2009	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	10703000000	USD
CY2011	us-gaap	Increase Decrease In Interest Payable Net IncreaseDecreaseInInterestPayableNet	-98000000	USD
CY2010	us-gaap	Increase Decrease In Interest Payable Net IncreaseDecreaseInInterestPayableNet	177000000	USD
CY2009	us-gaap	Increase Decrease In Interest Payable Net IncreaseDecreaseInInterestPayableNet	83000000	USD
CY2010	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-1240000000	USD
CY2009	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-3711000000	USD
CY2011	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	311000000	USD
CY2009	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	1414000000	USD
CY2010	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	540000000	USD
CY2011	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	-546000000	USD
CY2010	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	-504000000	USD
CY2011	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	1390000000	USD
CY2009	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	-1473000000	USD
CY2009	us-gaap	Increase Decrease In Trading Securities IncreaseDecreaseInTradingSecurities	-734000000	USD
CY2010	us-gaap	Increase Decrease In Trading Securities IncreaseDecreaseInTradingSecurities	39000000	USD
CY2011	us-gaap	Increase Decrease In Trading Securities IncreaseDecreaseInTradingSecurities	483000000	USD
CY2011	us-gaap	Interest And Dividend Income Securities Available For Sale InterestAndDividendIncomeSecuritiesAvailableForSale	398000000	USD
CY2009	us-gaap	Interest And Dividend Income Securities Available For Sale InterestAndDividendIncomeSecuritiesAvailableForSale	220000000	USD
CY2010	us-gaap	Interest And Dividend Income Securities Available For Sale InterestAndDividendIncomeSecuritiesAvailableForSale	356000000	USD
CY2009	us-gaap	Interest And Dividend Income Securities Trading Or Measured At Fair Value InterestAndDividendIncomeSecuritiesTradingOrMeasuredAtFairValue	132000000	USD
CY2010	us-gaap	Interest And Dividend Income Securities Trading Or Measured At Fair Value InterestAndDividendIncomeSecuritiesTradingOrMeasuredAtFairValue	15000000	USD
CY2011	us-gaap	Interest And Dividend Income Securities Trading Or Measured At Fair Value InterestAndDividendIncomeSecuritiesTradingOrMeasuredAtFairValue	19000000	USD
CY2010	us-gaap	Interest And Fee Income Loans And Leases InterestAndFeeIncomeLoansAndLeases	6546000000	USD
CY2011	us-gaap	Interest And Fee Income Loans And Leases InterestAndFeeIncomeLoansAndLeases	6635000000	USD
CY2009	us-gaap	Interest And Fee Income Loans And Leases InterestAndFeeIncomeLoansAndLeases	6471000000	USD
CY2009	us-gaap	Interest And Fee Income Loans And Leases Held For Sale InterestAndFeeIncomeLoansAndLeasesHeldForSale	416000000	USD
CY2011	us-gaap	Interest And Fee Income Loans And Leases Held For Sale InterestAndFeeIncomeLoansAndLeasesHeldForSale	332000000	USD
CY2010	us-gaap	Interest And Fee Income Loans And Leases Held For Sale InterestAndFeeIncomeLoansAndLeasesHeldForSale	601000000	USD
CY2011Q4	us-gaap	Interest Bearing Deposit Liabilities InterestBearingDepositLiabilities	43021000000	USD
CY2010Q4	us-gaap	Interest Bearing Deposit Liabilities InterestBearingDepositLiabilities	36917000000	USD
CY2011Q4	us-gaap	Interest Bearing Deposits In Banks InterestBearingDepositsInBanks	10560000000	USD
CY2010Q4	us-gaap	Interest Bearing Deposits In Banks InterestBearingDepositsInBanks	9956000000	USD
CY2011	us-gaap	Interest Expense InterestExpense	6223000000	USD
CY2010	us-gaap	Interest Expense InterestExpense	6666000000	USD
CY2009	us-gaap	Interest Expense InterestExpense	7091000000	USD
CY2011	us-gaap	Interest Expense Deposits InterestExpenseDeposits	700000000	USD
CY2010	us-gaap	Interest Expense Deposits InterestExpenseDeposits	641000000	USD
CY2009	us-gaap	Interest Expense Deposits InterestExpenseDeposits	677000000	USD
CY2010	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	5701000000	USD
CY2011	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	5209000000	USD
CY2009	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	5949000000	USD
CY2010	us-gaap	Interest Expense Short Term Borrowings InterestExpenseShortTermBorrowings	324000000	USD
CY2011	us-gaap	Interest Expense Short Term Borrowings InterestExpenseShortTermBorrowings	314000000	USD
CY2009	us-gaap	Interest Expense Short Term Borrowings InterestExpenseShortTermBorrowings	465000000	USD
CY2009	us-gaap	Interest Income Deposits With Financial Institutions InterestIncomeDepositsWithFinancialInstitutions	98000000	USD
CY2011	us-gaap	Interest Income Deposits With Financial Institutions InterestIncomeDepositsWithFinancialInstitutions	54000000	USD
CY2010	us-gaap	Interest Income Deposits With Financial Institutions InterestIncomeDepositsWithFinancialInstitutions	69000000	USD
CY2010	us-gaap	Interest Paid InterestPaid	5531000000	USD
CY2009	us-gaap	Interest Paid InterestPaid	7868000000	USD
CY2011	us-gaap	Interest Paid InterestPaid	5630000000	USD
CY2011Q4	us-gaap	Interest Payable Current And Noncurrent InterestPayableCurrentAndNoncurrent	1587000000	USD
CY2010Q4	us-gaap	Interest Payable Current And Noncurrent InterestPayableCurrentAndNoncurrent	1829000000	USD
CY2010	us-gaap	Labor And Related Expense LaborAndRelatedExpense	1576000000	USD
CY2011	us-gaap	Labor And Related Expense LaborAndRelatedExpense	1574000000	USD
CY2009	us-gaap	Labor And Related Expense LaborAndRelatedExpense	1517000000	USD
CY2010Q4	us-gaap	Liabilities Liabilities	151519000000	USD
CY2011Q4	us-gaap	Liabilities Liabilities	164688000000	USD
CY2011Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	184059000000	USD
CY2010Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	172008000000	USD
CY2010Q4	us-gaap	Liabilities Of Disposal Group Including Discontinued Operation LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation	680000000	USD
CY2011Q4	us-gaap	Liabilities Of Disposal Group Including Discontinued Operation LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation	337000000	USD
CY2010Q4	us-gaap	Liability For Claims And Claims Adjustment Expense LiabilityForClaimsAndClaimsAdjustmentExpense	862000000	USD
CY2011Q4	us-gaap	Liability For Claims And Claims Adjustment Expense LiabilityForClaimsAndClaimsAdjustmentExpense	580000000	USD
CY2011Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	1503000000	USD
CY2010Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	1873000000	USD
CY2010Q4	us-gaap	Loans And Leases Receivable Gross Carrying Amount LoansAndLeasesReceivableGrossCarryingAmount	102413000000	USD
CY2011Q4	us-gaap	Loans And Leases Receivable Gross Carrying Amount LoansAndLeasesReceivableGrossCarryingAmount	114755000000	USD
CY2011Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	113252000000	USD
CY2010Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	100540000000	USD
CY2011Q4	us-gaap	Loans Receivable Held For Sale Net LoansReceivableHeldForSaleNet	8557000000	USD
CY2010Q4	us-gaap	Loans Receivable Held For Sale Net LoansReceivableHeldForSaleNet	11411000000	USD
CY2011Q4	us-gaap	Long Term Debt LongTermDebt	92794000000	USD
CY2010Q4	us-gaap	Long Term Debt LongTermDebt	86612000000	USD
CY2011	us-gaap	Loss Contingency Disclosures LossContingencyDisclosures	<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">31.    Contingencies and Other Risks</font></div><div style="line-height:120%;padding-top:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Concentration with GM </font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The profitability and financial condition of our operations are heavily dependent upon the performance, operations, and prospects of GM. Our preferred provider agreements with GM regarding automotive financing products for their dealers and customers extend through December 2013, unless terminated earlier in accordance with their terms.</font></div><div style="line-height:120%;padding-bottom:4px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The following table presents a summary of transactions with GM having a significant income statement effect.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="69%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Year ended December 31, (</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">$ in millions</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2011</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2010</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2009</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Net financing revenue</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">GM and affiliates lease residual value support - North American Operations (a)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(299</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(82</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">195</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">GM and affiliates lease rate support - North American Operations</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">578</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">674</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">770</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Wholesale subvention and service fees from GM</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">163</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">189</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">215</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest earned on wholesale settlements</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">178</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other revenue</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Insurance premiums earned from GM</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">122</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">155</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">159</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(a)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Represents total amount of residual support and risk sharing (incurred) earned under the residual support and risk-sharing programs.</font></div></td></tr></table><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Mortgage Foreclosure Matters</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Settlements with Federal Government and State Attorneys General</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Agreement</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 9, 2012, Ally Financial Inc., ResCap, and certain other of our mortgage subsidiaries (the Ally Entities) reached an agreement in principle with the federal government, 49 state attorneys general, and 45 state banking departments with respect to investigations into procedures followed by mortgage servicing companies and banks in connection with mortgage origination and servicing activities and foreclosure home sales and evictions (Settlement). The Settlement is expected to be filed as a consent judgment in the U.S. District Court for the District of Columbia. In addition, we separately reached an independent settlement with Oklahoma, which did not participate in the broader settlement described below.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement requires a payment by ResCap of approximately $110 million to a trustee, who will then distribute these funds to federal and state governments. This amount is payable upon the filing of the consent judgment. In addition, the Ally Entities have committed to provide $200 million towards borrower relief. This commitment for borrower relief will include loan modifications, including principal reductions, rate modifications, and refinancing for borrowers that meet certain requirements, and participation in certain other programs. Generally, if certain basic criteria are met, borrowers that are either delinquent or at imminent risk of default and owe more on their mortgages than their homes are worth could be eligible for principal reductions, and borrowers that are current on their mortgages but who owe more on their mortgage than their homes are worth could be eligible for refinancing opportunities.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We currently expect that loans totaling approximately $550 million in outstanding unpaid principal balance will be modified in connection with these programs. This estimate was determined by identifying loans that appear to meet the program eligibility requirements, and applying various assumptions with respect to anticipated modifications. Given that we have limited historical experience upon which to base our assumptions, the actual unpaid principal balance of loans ultimately modified could be significantly different. It is possible that certain of these modified loans will be accounted for as TDRs. Refer to </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Note 1</font><font style="font-family:inherit;font-size:9pt;"> for additional information related to our accounting policy for TDRs.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement provides incentives for borrower relief that is provided within the first twelve months, and all obligations must be met within three years from the date the consent judgment is filed. In addition to the foregoing, the Ally Entities will be required to implement new servicing standards relating to matters such as foreclosure and bankruptcy information and documentation, oversight, loss mitigation, limitations on fees, and related procedural matters. Compliance with these obligations will be overseen by an independent monitor, who will have authority to impose additional penalties and fines if we fail to meet established timelines or fail to implement required servicing standards.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement generally resolves potential claims arising out of origination and servicing activities and foreclosure matters, subject to certain exceptions. The Settlement does not prevent state and federal authorities from pursuing criminal enforcement actions, securities-related claims (including actions related to securitization activities and Mortgage Electronic Registration Systems, or MERS), loan origination claims, certain claims brought by the FDIC and the GSEs, and certain other matters. The Settlement also does not prevent claims that may be brought by individual borrowers.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement is subject to ongoing discussions among the parties and the completion of definitive documentation, as well as required regulatory and court approvals.</font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Federal Reserve Board Civil Money Penalty</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 9, 2012, Ally Financial Inc. and ResCap also agreed with the Federal Reserve Board on a civil money penalty (CMP) of $207 million related to the same activities that were the subject of the Settlement. This amount will be reduced dollar-for-dollar in connection with certain aspects of our satisfaction of the required monetary payment and borrower relief obligations included within the Settlement, as well as our participation in other similar programs approved by the Federal Reserve Board. While additional future cash payments related to the CMP are possible if we are unable to satisfy the borrower relief requirements of the Settlement within two years, we currently expect that the full amount of the CMP will be satisfied through our commitments included within the Settlement.</font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Financial Impact of the Settlement and CMP</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">For the year ended December 31, 2011, we recognized a charge of $230 million related to the matters described above. While we may forego future interest payments received related to modified loans that we may not have otherwise agreed without the Settlement, we do not expect the borrower relief modifications required by the Settlement will have a significant impact on future interest income or key performance metrics, including our net interest margin. Further, we do not expect that our borrower relief commitments overall will have a material adverse impact on our results of operations, financial position, or cash flows.</font></div><div style="line-height:120%;padding-top:10px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Other Mortgage Foreclosure Matters</font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Commonwealth of Massachusetts</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On December 1, 2011, the Commonwealth of Massachusetts filed an enforcement action in the Suffolk County Superior Court against GMAC Mortgage and several other lender/servicers. For further details, refer to Legal Proceedings below. </font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Consent Order</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">As a result of an examination conducted by the FRB and FDIC, on April 13, 2011, each of Ally Financial Inc., Ally Bank, Residential Capital, LLC and GMAC Mortgage, LLC (collectively, the Ally Entities) entered into a Consent Order (the Consent Order) with the FRB and the FDIC. The Consent Order requires the Ally Entities to make improvements to various aspects of Ally’s residential mortgage loan-servicing business, including compliance programs, internal audit, communications with borrowers, vendor management, management information systems, employee training, and oversight by the boards of the Ally Entities.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Consent Order further requires GMAC Mortgage, LLC to retain independent consultants to conduct a risk assessment related to mortgage servicing activities and, separately, to conduct a review of certain past residential mortgage foreclosure actions. We cannot estimate the ultimate impact of any deficiencies that have been or may be identified in our historical foreclosure procedures. There are potential risks related to these matters that extend beyond potential liability on individual foreclosure actions. Specific risks could include, for example, claims and litigation related to foreclosure remediation and resubmission; claims from investors that hold securities that become adversely impacted by continued delays in the foreclosure process; the reduction in foreclosure proceeds due to delay, or by challenges to completed foreclosure sales to the extent, if any, not covered by title insurance obtained in connection with such sales; actions by courts, state attorneys general, or regulators to delay further the foreclosure process after submission of corrected affidavits, or to facilitate claims by borrowers alleging that they were harmed by our foreclosure practices (by, for example, foreclosing without offering an appropriate range of alternative home preservation options); additional regulatory fines, sanctions, and other additional costs; and reputational risks. To date we have borne all out-of-pocket costs associated with the remediation rather than passing any such costs through to investors for whom we service the related mortgages, and we expect that we will continue to do so.</font></div><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Loan Repurchases and Obligations Related to Loan Sales</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Overview</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Certain mortgage companies (Mortgage Companies) within our Mortgage operations sell loans that take the form of securitizations guaranteed by the GSEs, securitizations to private investors, and to whole-loan investors. In connection with a portion of our Mortgage Companies' private-label securitizations, the monolines insured all or some of the related bonds and guaranteed timely repayment of bond principal and interest when the issuer defaults. In connection with securitizations and loan sales, the trustee for the benefit of the related security holders and, if applicable, the related monoline insurer, are provided various representations and warranties related to the loans sold. The specific representations and warranties vary among different transactions and investors but typically relate to, among other things, the ownership of the loan, the validity of the lien securing the loan, the loan's compliance with the criteria for inclusion in the transaction, including compliance with underwriting standards or loan criteria established by the buyer, the ability to deliver required documentation and compliance with applicable laws. In general, the representations and warranties described above may be enforced against the applicable Mortgage Companies at any time unless a sunset provision is in place. Upon discovery of a breach of a representation or warranty, the breach is corrected in a manner conforming to the provisions of the sale agreement. This may require the applicable Mortgage Companies to repurchase the loan, indemnify the investor for incurred losses, or otherwise make the investor whole. We have entered into settlement agreements with both Fannie Mae and Freddie Mac that, subject to certain exclusions, limit our remaining exposure with the GSEs. See Government-sponsored Enterprises below. ResCap assumes all of the customary mortgage representation and warranty obligations for loans purchased from Ally Bank and subsequently sold into the secondary market, generally through securitizations guaranteed by the GSEs. In the event ResCap fails to meet these obligations, Ally Financial Inc. has provided Ally Bank a guaranteed coverage of certain of these liabilities.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Originations</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The total exposure of the applicable Mortgage Companies to mortgage representation and warranty claims is most significant for loans originated and sold between 2004 through 2008, specifically the 2006 and 2007 vintages that were originated and sold prior to enhanced underwriting standards and risk-mitigation actions implemented in 2008 and forward. Since 2009, we have focused primarily on originating domestic prime conforming and government-insured mortgages. In addition, we ceased offering interest-only jumbo mortgages in 2010. Representation and warranty risk-mitigation strategies include, but are not limited to, pursuing settlements with investors where economically beneficial in order to resolve a pipeline of demands in lieu of loan-by-loan assessments that could result in repurchasing loans, aggressively contesting claims we do not consider valid (rescinding claims), or seeking recourse against correspondent lenders from whom we purchased loans wherever appropriate.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Repurchase Process</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">After receiving a claim under representation and warranty obligations, the applicable Mortgage Companies will review the claim to determine the appropriate response (e.g. appeal and provide or request additional information) and take appropriate action (rescind, repurchase the loan, or remit indemnification payment). Historically, repurchase demands were generally related to loans that became delinquent within the first few years following origination. As a result of market developments over the past several years, investor repurchase demand behavior has changed significantly. GSEs and investors are more likely to submit claims for loans at any point in their life cycle, including requests for loans that become delinquent or loans that incur a loss. Investors are more likely to submit claims for loans that become delinquent at any time while a loan is outstanding or when a loan incurs a loss. Representation and warranty claims are generally reviewed on a loan-by-loan basis to validate if there has been a breach requiring a potential repurchase or indemnification payment. The applicable Mortgage Companies actively contest claims to the extent they are not considered valid. The applicable Mortgage Companies are not required to repurchase a loan or provide an indemnification payment where claims are not valid.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The risk of repurchase or indemnification and the associated credit exposure is managed through underwriting and quality assurance practices and by servicing mortgage loans to meet investor standards. We believe that, in general, the longer a loan performs prior to default the less likely it is that an alleged breach of representation and warranty will be found to have a material and adverse impact on the loan's performance. When loans are repurchased, the applicable Mortgage Companies bear the related credit loss on the loans. Repurchased loans are classified as held-for-sale and initially recorded at fair value.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The following table presents the total number and original unpaid principal balance of loans related to unresolved representation and warranty demands (indemnification claims or repurchase demands). The table includes demands that we have requested be rescinded but which have not been agreed to by the investor.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="53%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="3%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2011</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2010</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">December 31, (</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">$ in millions</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Number</font></div><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Dollar </font></div><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">amount</font></div><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Number</font></div><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Dollar </font></div><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">amount</font></div><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">GSEs</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">357</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">71</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">833</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">170</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a) </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Monolines</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;text-indent:12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">MBIA</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">7,314</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">490</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,819</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">466</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;text-indent:12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FGIC</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">4,608</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">369</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,109</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">164</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;text-indent:12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">730</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">58</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">278</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Whole-loan/other</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">513</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">81</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">392</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">88</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total number of loans and unpaid principal balance (b)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">13,522</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">1,069</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,431</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">919</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  </font></div></td></tr></table></div><font style="font-family:inherit;font-size:8pt;"> </font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(a)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Times New Roman;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">This amount is gross of any loans that would be removed due to the Fannie Mae settlement. At</font><font style="font-family:inherit;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">December 31, 2010</font><font style="font-family:inherit;font-size:8pt;">, </font><font style="font-family:inherit;font-size:8pt;color:#000000;text-decoration:none;">$48 million</font><font style="font-family:inherit;font-size:8pt;"> </font><font style="font-family:inherit;font-size:8pt;color:#000000;text-decoration:none;">of outstanding claims were covered under the Fannie Mae settlement agreement.</font><font style="font-family:inherit;font-size:8pt;"><br clear="none"/></font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(b)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;color:#000000;text-decoration:none;">Excludes certain populations where counterparties have requested additional documentation.</font><font style="font-family:inherit;font-size:8pt;"><br clear="none"/></font></div></td></tr></table><div style="line-height:120%;padding-bottom:10px;padding-top:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">We are currently in litigation with MBIA Insurance Corporation (MBIA) and Financial Guaranty Insurance Company (FGIC) with respect to certain of their private-label securitizations. Historically we have requested that most of the repurchase demands presented to us by both MBIA and FGIC be rescinded, consistent with the repurchase process described above. As the litigation process proceeds, additional loan reviews are expected and will likely result in additional repurchase demands.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Representation and Warranty Obligation Reserve Methodology</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The liability for representation and warranty obligations reflects management's best estimate of probable lifetime losses at the applicable Mortgage Companies. We consider historical and recent demand trends in establishing the reserve. The methodology used to estimate the reserve considers a variety of assumptions including borrower performance (both actual and estimated future defaults), repurchase demand behavior, historical loan defect experience, historical mortgage insurance rescission experience, and historical and estimated future loss experience, which includes projections of future home price changes as well as other qualitative factors including investor behavior. In cases where we do not have or have limited current or historical demand experience with an investor, it is difficult to predict and estimate the level and timing of any potential future demands. In such cases, we may not be able to reasonably estimate losses, and a liability is not recognized. Management monitors the adequacy of the overall reserve and makes adjustments to the level of reserve, as necessary, after consideration of other qualitative factors including ongoing dialogue and experience with counterparties.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">At the time a loan is sold, an estimate of the fair value of the liability is recorded and classified in accrued expenses and other liabilities on our Consolidated Balance Sheet and recorded as a component of gain (loss) on mortgage and automotive loans, net, in our Consolidated Statement of Income. We recognize changes in the liability when additional relevant information becomes available. Changes in the liability are recorded as other operating expenses in our Consolidated Statement of Income. The repurchase reserve at</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">relates primarily to non-GSE exposure.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The following tables summarize the changes in our reserve for representation and warranty obligations.</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="81%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">$ in millions</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2011</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2010</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Balance at January 1,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">830</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,263</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Provision for mortgage representation and warranty expenses</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loan sales</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">19</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Change in estimate — continuing operations</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">324</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">670</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total additions</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">343</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">740</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Resolved claims (a)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(360</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,185</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">12</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Balance at December 31,</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">825</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">830</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(a)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Includes principal losses and accrued interest on repurchased loans, indemnification payments, and settlements with counterparties.</font></div></td></tr></table><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Government-sponsored Enterprises</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Between 2004 and 2008, the applicable Mortgage Companies sold</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$250.8 billion</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of loans to the GSEs. Each GSE has specific guidelines and criteria for sellers and servicers of loans underlying their securities. In addition, the risk of credit loss of the loan sold was generally transferred to investors upon sale of the securities into the secondary market. Conventional conforming loans were sold to either Freddie Mac or Fannie Mae, and government-insured loans were securitized with Ginnie Mae. For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the applicable Mortgage Companies received repurchase claims relating to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$441 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance of which</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$285 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">are associated with the 2004 through 2008 vintages. The remaining</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$156 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">in repurchase claims relate to post-2008 vintages. During the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the applicable Mortgage Companies resolved claims with respect to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$540 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance, including settlement, repurchase, or indemnification payments related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$349 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance, and rescinded claims related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$191 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance. The applicable Mortgage Companies' representation and warranty obligation liability with respect to the GSEs considers the existing unresolved claims and the best estimate of future claims that could be received. The Mortgage Companies consider their experience with the GSE in evaluating its liability. During 2010, we reached agreements with Freddie Mac and Fannie Mae that, subject to certain exclusions, limits the remaining exposure of the applicable Mortgage Companies to each counterparty.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">In March 2010, certain of our Mortgage Companies entered into an agreement with Freddie Mac under which we made a one-time payment to Freddie Mac for the release of repurchase obligations relating to most of the mortgage loans sold to Freddie Mac prior to January 1, 2009. This agreement does not release obligations of the applicable Mortgage Companies with respect to exposure for private-label</font><font style="font-family:inherit;font-size:9pt;"> MBS </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">in which Freddie Mac had previously invested, loans where Ally Bank is the owner of the servicing, as well as defects in certain other specified categories of loans. Further, the applicable Mortgage Companies continue to be responsible for other contractual obligations we have with Freddie Mac, including all indemnification obligations that may arise in connection with the servicing of the mortgages. The total original unpaid principal balance of loans originated prior to January 1, 2009 and where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$10.9 billion</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses taken on loans repurchased relating to defects where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$31 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">and </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses taken on loans that we have repurchased relating to defects in the other specified categories was </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$15 million</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">These other specified categories include (i) loans subject to certain state predatory lending and similar laws; (ii) groups of 25 or more mortgage loans purchased, originated, or serviced by one of our mortgage subsidiaries, the purchase, origination, or sale of which all involve a common actor who committed fraud; (iii) “non-loan-level” representations and warranties which refer to representations and warranties that do not relate to specific mortgage loans (examples of such non-loan-level representations and warranties include the requirement that our mortgage subsidiaries meet certain standards to be eligible to sell or service loans for Freddie Mac or our mortgage subsidiaries sold or serviced loans for market participants that were not acceptable to Freddie Mac); and (iv) mortgage loans that are ineligible for purchase by Freddie Mac under its charter and other applicable documents. If, however, a mortgage loan was ineligible under Freddie Mac's charter solely because mortgage insurance was rescinded (rather than for example, because the mortgage loan is secured by a commercial property), and Freddie Mac required our mortgage subsidiary to repurchase that loan because of the ineligibility, Freddie Mac would pay our mortgage subsidiary any net loss we suffered on any later liquidation of that mortgage loan.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Certain of our Mortgage Companies received subpoenas in July 2010 from the Federal Housing Finance Agency (FHFA), which is the conservator of Fannie Mae and Freddie Mac. The subpoenas relating to Fannie Mae investments have been withdrawn with prejudice. The FHFA indicated that documents provided in response to the remaining subpoenas will enable the FHFA to determine whether they believe issuers of private-label MBS are potentially liable to Freddie Mac for losses they might have incurred. Although Freddie Mac has not brought any representation and warranty claims against us with respect to private-label securities subsequent to the settlement, they may well do so in the future. The FHFA has commenced securities and related common law fraud litigation against Ally and certain of our Mortgage Companies with respect to certain of Freddie Mac's private-label securities investments. Refer to the Legal Proceedings described</font><font style="font-family:inherit;font-size:9pt;"> below </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">for additional information.</font><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">On December 23, 2010, certain of our mortgage subsidiaries entered into an agreement with Fannie Mae under which we made a one-time payment to Fannie Mae for the release of repurchase obligations related to most of the mortgage loans we sold to Fannie Mae prior to June 30, 2010. The agreement also covers potential exposure for private-label MBS in which Fannie Mae had previously invested. This agreement does not release the obligations of the applicable Mortgage Companies with respect to loans where Ally Bank is the owner of the servicing, as well as for defects in certain other specified categories of loans. Further, the applicable Mortgage Companies continue to be responsible for other contractual obligations they have with Fannie Mae, including all indemnification obligations that may arise in connection with the servicing of the mortgages, and the applicable Mortgage Companies continue to be obligated to indemnify Fannie Mae for litigation or third party claims (including by borrowers) for matters that may amount to breaches of selling representations and warranties. The total original unpaid principal balance of loans originated prior to January 1, 2009 and where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$24.4 billion</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses we have taken on loans that we have repurchased relating to defects where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$66 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">and </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses we have taken on loans that we have repurchased relating to defects in the other specified categories of loans was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$13 million</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">These other specified categories include, among others, (i) those that violate anti-predatory laws or statutes or related regulations or that otherwise violate other applicable laws and regulations; (ii) those that have non-curable defects in title to the secured property, or that have curable title defects, to the extent our mortgage subsidiaries do not cure such defects at our subsidiary's expense; (iii) any mortgage loan in which title or ownership of the mortgage loan was defective; (iv) groups of 13 or more mortgage loans, the purchase, origination, sale, or servicing of which all involve a common actor who committed fraud; and (v) mortgage loans not in compliance with Fannie Mae Charter Act requirements (e.g., mortgage loans on commercial properties or mortgage loans without required mortgage insurance coverage). If a mortgage loan falls out of compliance with Fannie Mae Charter Act requirements because mortgage insurance coverage has been rescinded and not reinstated or replaced, upon the borrower's default our mortgage subsidiaries would have to pay to Fannie Mae the amount of insurance proceeds that would have been paid by the mortgage insurer with respect to such mortgage loan. If the amount of the loss exceeded the amount of insurance proceeds, Fannie Mae would be responsible for such excess.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Monoline Insurers</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Historically, the applicable Mortgage Companies securitized loans where the monolines insured all or some of the related bonds and guaranteed the timely repayment of bond principal and interest when the issuer defaults. Typically, any alleged breach requires the insurer to have both the ability to assert a claim as well as evidence that a defect has had a material and adverse effect on the interest of the security holders or the insurer. For the period 2004 through 2007, the Mortgage Companies sold</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$42.7 billion</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of loans into these monoline-wrapped securitizations. During the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the Mortgage Companies received repurchase claims related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$265 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance from the monolines associated with the 2004 through 2007 securitizations. The Mortgage Companies have resolved repurchase demands through indemnification payments related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$20 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">We are currently in litigation with MBIA and FGIC, and additional litigation with other monolines is likely.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Private-label Securitization</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">In general, representations and warranties provided as part of our securitization activities are less rigorous than those provided to the GSEs and generally impose higher burdens on parties seeking repurchase. In order to successfully assert a claim, it is our position that a claimant must prove a breach of the representations and warranties that materially and adversely affects the interest of the investor in the allegedly defective loan. Securitization documents typically provide the investors with a right to request that the trustee investigate and initiate a repurchase claim. However, a class of investors generally is required to coordinate with other investors in that class comprising not less than 25%, and in some cases, 50%, of the percentage interest constituting a class of securities of that class issued by the trust to pursue claims for breach of representations and warranties. In addition, our private-label securitizations generally require that the servicer or trustee give notice to the other parties whenever it becomes aware of facts or circumstances that reveal a breach of representation that materially and adversely affects the interest of the certificate holders.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Regarding our securitization activities, certain of our Mortgage Companies have exposure to potential losses primarily through two avenues. First, investors, through trustees to the extent required by the applicable agreements (or monoline insurers in certain transactions), may request pursuant to applicable agreements that the applicable Mortgage Company repurchase loans or make the investor whole for losses incurred if it is determined that the applicable Mortgage Company violated representations and warranties made at the time of the sale, provided that such violations materially and adversely impacted the interests of the investor. Contractual representations and warranties are different based on the specific deal structure and investor. It is our position that litigation of these matters must proceed on a loan by loan basis. This issue is being disputed throughout the industry in various pending litigation matters. Similarly in dispute, as a matter of law, is the degree to which claimants will have to prove that the alleged breaches of representations and warranties actually caused the losses they claim to have suffered. Ultimate resolution by courts of these and other legal issues will impact litigation and treatment of non-litigated claims pursuant to similar contractual provisions. Second, investors in securitizations may attempt to achieve rescission of their investments or damages through litigation by claiming that the applicable offering documents were materially deficient. If an investor properly made and proved its allegations, the investor might attempt to claim that damages could include loss of market value on the investment even if there were little or no credit loss in the underlying loans.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Whole-loan Sales</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">In addition to the settlements with the GSEs noted earlier, certain of our Mortgage Companies have settled with whole-loan investors concerning alleged breaches of underwriting standards. For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">certain of our Mortgage Companies have received</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$84 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance in repurchase claims of which</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$83 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">are associated with the 2004 through 2008 vintages of loans sold to whole-loan investors. Certain of our Mortgage Companies resolved claims related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$91 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance, including settlements, repurchases, indemnification payments</font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">, and rescinded claims.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Private Mortgage Insurance</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Mortgage insurance is required for certain consumer mortgage loans sold to the GSEs and certain securitization trusts and may have been in place for consumer mortgage loans sold to whole-loan investors. Mortgage insurance is typically required for first-lien consumer mortgage loans having a loan-to-value ratio at origination of greater than 80 percent. Mortgage insurers are, in certain circumstances, permitted to rescind existing mortgage insurance that covers consumer loans if they demonstrate certain loan underwriting requirements have not been met. Upon receipt of a rescission notice, the applicable Mortgage Companies will assess the notice and, if appropriate, refute the notice, or if the notice cannot be refuted, the applicable Mortgage Companies attempt to remedy the defect. In the event the mortgage insurance cannot be reinstated, the applicable Mortgage Companies may be obligated to repurchase the loan or provide an indemnification payment in the event of a loss, subject to contractual limitations. While the applicable Mortgage Companies make every effort to reinstate the mortgage insurance, they have had limited success and as a result, most of these requests result in rescission of the mortgage insurance. At</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the applicable Mortgage Companies have approximately</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$227 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">in original unpaid principal balance of outstanding mortgage insurance rescission notices where we have not received a repurchase demand. However, this unpaid principal amount is not representative of expected future losses.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Legal Proceedings</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We are subject to potential liability under various governmental proceedings, claims, and legal actions that are pending or otherwise asserted against us. We are named as defendants in a number of legal actions, and we are occasionally involved in governmental proceedings arising in connection with our respective businesses. Some of the pending actions purport to be class actions, 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.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage-backed Securities Litigation</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Private-label Securities Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ally and certain of its subsidiaries have been named as defendants in several cases relating to their various roles in MBS offerings. The plaintiffs generally allege that the various defendants made misstatements and omissions in registration statements, prospectuses, prospectus supplements, and other documents related to MBS offerings. The alleged misstatements and omissions typically concern underwriting standards. Plaintiffs generally claim that such misstatements and omissions constitute violations of state and/or federal securities law and common law including negligent misrepresentation and fraud. Plaintiffs seek monetary damages and rescission. Set forth below are descriptions of certain of these legal proceedings.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Allstate Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 14, 2011, the Allstate Insurance Company and various of its subsidiaries and affiliates (collectively, Allstate) filed a complaint in Hennepin County District Court, Minnesota, against GMAC Mortgage LLC (GMAC Mortgage); Residential Funding Company LLC (RFC); Residential Funding Securities LLC (RFS); Residential Accredit Loans, Inc. (RALI); Residential Asset Mortgage Products, Inc. (RAMP); Residential Funding Mortgage Securities I, Inc. (RFMSI); Residential Funding Mortgage Securities II, Inc. (RFMSII); and Residential Asset Securities Corporation (RASC). The complaint alleges that the defendants misrepresented the riskiness and credit quality of, and omitted material information related to, residential MBS Allstate purchased in the offering materials. The complaint asserts claims for fraud and negligent misrepresentation and seeks money damages and costs, including attorneys' fees. Discovery in this case is underway.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Charles Schwab Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Charles Schwab Corporation (Schwab) filed a complaint in San Francisco County Superior Court against RALI, and RAMP, on August 2, 2010. The complaint alleges that the defendants made false representations and omissions of material facts in the offering documents for various securitization trusts backed by residential mortgage loans and seeks rescission and money damages for negligent misrepresentation and violations of state and federal securities laws. The case is entering the discovery phase.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">DZ Bank</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">DZ Bank and DG Holding Trust filed a Summons with Notice on December 13, 2011, in New York County Supreme Court directed at Ally, and numerous of its mortgage subsidiaries, on December 13, 2011, in New York County Supreme Court against numerous defendants including Ally; Residential Capital Corporation (RCC); GMAC-RFC Holding Company LLC (GMAC-RFC); RFC; Ally Securities LLC (Ally Securities); RAMP; RASC; and RALI. The Summons alleges that the offering materials issued by the defendants for MBS they purchased contained material misrepresentations and omissions related to the originator's underwriting guidelines and the credit quality and characteristics of the mortgage loans underlying the securities. It also notices the defendants of the plaintiffs' claims for damages. Such claims include common law fraud, fraudulent inducement, negligent misrepresentation, and aiding and abetting fraud. The Summons has not been served.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">FHFA Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHFA, as conservator for Freddie Mac, filed a complaint on September 2, 2011, against Ally; GMAC Mortgage Group, Inc. (GMAC Mortgage Group); Residential Capital LLC (ResCap); GMAC-RFC; RFC; Ally Securities; RAMP; RASC; and RALI, in New York County Supreme Court. The complaint alleges that Freddie Mac purchased over $6 billion of residential MBS issued in connection with 21 securitizations sponsored and/or underwritten by the defendants. It further alleges that the registration statements, prospectuses, and other offering materials associated with these transactions contained false and misleading statements and omissions of material facts. The complaint asserts claims for negligent misrepresentation, fraud, and violations of state and federal securities laws, and seeks rescission and recovery of the consideration Freddie Mac paid for the securities, as well as other compensatory and punitive damages. The FHFA has moved to remand this case to state court. That motion is still pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">FHLB Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal Home Loan Bank (FHLB) of Indianapolis filed an Amended Complaint in Marion County Superior Court for rescission and damages on July 14, 2011, asserting claims for common law negligence and violations of state and federal securities laws, and names RFS, RFMSI, and GMAC Mortgage Group, among other defendants. The complaint alleges that the offering documents for the securities underwritten and issued by the defendants contained material misrepresentations of fact, evidenced by high default and foreclosure rates, and seeks unspecified damages and an order voiding the transactions at issue. The defendants' motion to dismiss is pending.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB of Boston filed a complaint on April 20, 2011, in Suffolk County Superior Court, naming numerous defendants including Ally; GMAC Mortgage Group; RALI; and RFC. The complaint alleges that the defendants collectively packaged, marketed, offered, and sold private-label MBS, and FHLB of Boston purchased such securities in reliance upon misstatements and omissions of material facts in the offering documents. The complaint seeks rescission and damages for negligent misrepresentation and violations of the Massachusetts Uniform Securities Act, among other claims. The defendants removed this case to federal court, and FHLB of Boston's motion to remand is pending.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Finally, FHLB of Chicago filed a Corrected Amended Complaint for Rescission and Damages on October 15, 2011, in Cook County Circuit Court, which names, among other defendants, Ally; GMAC Mortgage Group; RFC; RFS; RAMP; RASC; and RFMSI. The complaint alleges that the offering documents for the securities underwritten and issued by defendants contained material misrepresentations of fact and asserts claims for violations of state securities law and negligent misrepresentation. The complaint seeks rescission of the transactions at issue and damages in an amount to be determined at trial. The defendants' motion to dismiss is pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Huntington Bancshares Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Huntington Bancshares, Inc. (Huntington), commenced a lawsuit on October 11, 2011, against Ally; GMAC Mortgage; RALI; ResCap; GMAC-RFC; RFC; Ally Securities; and several individuals. The complaint alleges that the defendants made misrepresentations and omissions of material facts related to the originator's loan underwriting guidelines in the offering materials for five residential mortgaged-backed securities.  The complaint asserts claims for fraud, aiding and abetting fraud, negligent misrepresentation, and violation of the Minnesota Securities Act and seeks rescission, money damages, and costs. The defendants' motion to dismiss is pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Massachusetts Mutual Life Insurance Company Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 9, 2011, the Massachusetts Mutual Life Insurance Company (MassMutual) filed a complaint in the United States District Court for the District of Massachusetts against numerous defendants including RFC; RALI; RAMP; RASC; and RFS. The complaint alleges that the defendants' public filings and offering documents associated with MBS MassMutual purchased contained false statements and omissions of material facts. MassMutual asserts claims for violations of the Massachusetts Uniform Securities Act and seeks both compensatory and statutory damages. The defendants' motion to dismiss was granted in February 2012, subject to certain additional provisions, which could result in certain of the original counts being reinstated against certain Ally entities.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">NCUAB Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On August 9, 2011, the National Credit Union Administration Board (NCUAB) filed a complaint as liquidating agent of U.S. Central Federal Credit Union (U.S. Central) and Western Corporate Federal Credit Union (WesCorp) against Goldman, Sachs & Co. as underwriter and seller, and Fremont Mortgage Securities Corp., GS Mortgage Securities Corp., Long Beach Securities Corp., and RALI, as issuers, of certain residential MBS purchased by U.S. Central and WesCorp. Previously, on June 20, 2011, the NCUAB filed a complaint as liquidating agent of U.S. Central Federal Credit Union (U.S. Central) against numerous defendants including RFMSII. The complaints assert claims under the California securities laws and Sections 11 and 12 of the Securities Act of 1933, alleging the offering documents associated with the underlying transactions contained untrue statements and omissions of material facts, and seek money damages and costs. The defendants have moved to dismiss both complaints, and those motions are pending. </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">New Jersey Carpenters Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On January 3, 2011, New Jersey Carpenters Health Fund, New Jersey Carpenters Vacation Fund, and Boilermaker Blacksmith National Pension Trust, on behalf of themselves and a putative class (collectively, New Jersey Carpenters), filed a Consolidated Second Amended Securities Class Action Complaint against numerous defendants including ResCap; Residential Funding LLC, RALI; and Residential Funding Securities Corporation d/b/a GMAC RFC Securities. The complaint alleges that the plaintiffs and the class purchased MBS between June 28, 2006, and May 30, 2007, and asserts that the offering documents associated with these transactions contained misrepresentations and omitted material information in violation of Sections 11, 12, and 15 of the Securities Act of 1933. The complaint seeks compensatory damages, rescission or a rescissory measure of damages, and attorneys' fees and costs, among other relief. New Jersey Carpenters moved for class certification. The court denied the plaintiffs' motion, and an appeal from that decision is pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Private-label Monoline Bond Insurer Claims</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">MBIA Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">MBIA Insurance Corporation (MBIA) filed complaints on December 4, 2008, and April 1, 2010, in the New York County Supreme Court, entitled MBIA Insurance Corporation v. RFC, and MBIA Insurance Corporation v. GMAC Mortgage, respectively. The complaints allege that defendants breached their contractual representations and warranties relating to the characteristics of mortgage loans contained in certain insured MBS offerings. The complaints further allege that defendants failed to follow specific remedy procedures set forth in the contracts and improperly serviced the mortgage loans. Along with claims for breach of contract, MBIA also alleges fraud. MBIA seeks, among other remedies, repurchase of certain loans, payments on current and future claims under the relevant policies, indemnification for attorneys' fees and costs, and punitive damages. Both cases are in fact discovery.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">FGIC Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FGIC filed three complaints on November 29, 2011, against several of Ally's mortgage subsidiaries in New York County Supreme Court. In two of these cases, both entitled Financial Guaranty Insurance Company v. RFC, et al., FGIC alleges that defendants RFC and ResCap breached their contractual representations and warranties relating to the characteristics of the mortgage loans contained in certain insured MBS offerings. FGIC further alleges that the defendants breached their contractual obligations to permit access to loan files and certain books and records.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">In the third case, entitled Financial Guaranty Insurance Company v. GMAC Mortgage, et al., FGIC makes similar contract allegations against GMAC Mortgage and ResCap, as well as a claim against GMAC Mortgage for fraudulent inducement. In addition, FGIC alleges aiding and abetting fraudulent inducement against Ally Bank, which originated a large portion of the loans in the disputed pool, and breach of the custodial agreement for failing to notify FGIC of the claimed breaches of representations and warranties. In each of these cases, FGIC seeks, among other relief, reimbursement of all sums it paid under the various policies and an award of legal, rescissory, equitable, and punitive damages.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On December 15, 2011, FGIC filed a fourth complaint in New York County Supreme Court related to insurance policies issued in connection with an RFC-sponsored transaction. This complaint, entitled Financial Guaranty Insurance Company v. Ally, et al., names Ally, RFC, and ResCap, and seeks various forms of declaratory and monetary relief. The complaint alleges that the defendants are alter egos of one another, fraudulently induced FGIC's agreement to provide insurance by misrepresenting the nature of RFC's business practices and the credit quality and characteristics of the underlying loans, and have now materially breached their agreement with FGIC by refusing its requests for information and documents.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Finally, on December 27, 2011, FGIC filed three additional complaints in New York County Supreme Court against Ally, RFC, and ResCap. These complaints seek relief nearly identical to that of FGIC's previously filed cases and contain substantially similar allegations. In particular, FGIC alleges that the defendants, acting as alter egos of each other, fraudulently induced FGIC to enter into seven separate insurance and indemnity agreements and breached their contractual obligations under same.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The defendants removed these cases to the U.S. District Court for the Southern District of New York. </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Other Matters</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Kessler Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Several putative class actions filed in 2001-2003, all alleging that originators Community Bank of Northern Virginia and Guaranty National Bank of Tallahassee charged certain interest rates and fees in violation of the applicable Secondary Mortgage Loan Act, were consolidated for settlement purposes in the U.S. District Court for the Western District of Pennsylvania. On September 22, 2010, the Third Circuit Court of Appeals vacated an order approving the settlement and remanded the case to the trial court for further proceedings. On October 10, 2011, plaintiffs filed a joint consolidated amended class action complaint against, among others, RFC alleging violations of the Real Estate Settlement Procedures Act; the Truth in Lending Act, as amended by the Home Ownership and Equity Protection Act; and the Racketeer Influenced and Corrupt Organizations Act. RFC's motion to dismiss is outstanding, and we intend to vigorously defend against these claims.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Mitchell Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">In this statewide class action, plaintiffs alleged that Mortgage Capital Resources, Inc. (MCR) violated the Missouri Second Mortgage Loan Act by charging Missouri borrowers fees and interest not permitted by the Act. RFC and Homecomings Financial LLC (HFN), among others, were named as defendants in their role as assignees of certain of the MCR loans. Following a trial concluded in January 2008, the jury returned verdicts against all defendants, including an award against RFC and HFN for $4 million in compensatory damages (plus pre- and post-judgment interest and attorneys' fees) and against RFC for $92 million in punitive damages. In a November 2010 decision, the Missouri Court of Appeals affirmed the compensatory damages but ordered a new trial on punitive damages. Upon remand, we paid $13 million in compensatory damages (including interest and attorneys' fees). Trial on punitive damages against RFC and the other non-company defendants is set to begin on March 5, 2012. We intend to vigorously defend against these claims.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Commonwealth of Massachusetts</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On December 1, 2011, the Commonwealth of Massachusetts filed an enforcement action in the Suffolk County Superior Court against GMAC Mortgage and several other lender/servicers. The Commonwealth claims that certain aspects of defendants' foreclosure processes are unlawful, that defendants do not always process loan modifications accurately, and that defendants' use of the Mortgage Electronic Registration Systems (MERS) has damaged the integrity of the Commonwealth's Torrens recording system. The Commonwealth seeks civil penalties, injunctive relief, costs, and attorneys' fees. In connection with the settlement with the federal government and state attorneys general announced on February 9, 2012, the Commonwealth of Massachusetts agreed to settle all servicing-related claims asserted in this action and to certain limits on monetary damages, if any. However, the Commonwealth of Massachusetts continues to pursue claims related to MERS and certain foreclosure-related matters.</font></div><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Potential Losses - Litigation, Repurchase Obligations, and Related Claims</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">As described under Legal Proceedings above, Ally and certain of its subsidiaries have been named as defendants in several cases relating to their various roles in MBS offerings.</font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Private-label Securitizations — Other Potential Repurchase Obligations</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">When our Mortgage Companies sell mortgage loans through whole-loan sales or securitizations, these entities are required to make customary representations and warranties about the loans to the purchaser and/or securitization trust. These representations and warranties relate to, among other things, the ownership of the loan, the validity of the lien securing the loan, the loan's compliance with the criteria for inclusion in the transaction, including compliance with underwriting standards or loan criteria established by the buyer, ability to deliver required documentation, and compliance with applicable laws. Generally, the representations and warranties described above may be enforced against the applicable Mortgage Companies at any time over the life of the loan. Breaches of these representations and warranties have resulted in a requirement that the applicable Mortgage Companies repurchase mortgage loans. As the mortgage industry continues to experience higher repurchase requirements and additional investors begin to attempt to put back loans, a significant increase in activity beyond that experienced today could occur, resulting in additional future losses at our Mortgage Companies.</font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Potential Losses</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We believe it is reasonably possible that losses beyond amounts currently reserved for the litigation matters and potential repurchase obligations and related claims described above with respect to our Mortgage Companies could occur, and such losses could have a material adverse impact on our results of operations, financial position, or cash flows. However, based on currently available information, we are unable to estimate a range of reasonably possible losses above reserves that have been established.</font></div><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Other Contingencies</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We are subject to potential liability under various other exposures including tax, nonrecourse loans, self-insurance, and other miscellaneous contingencies. We establish reserves for these contingencies when the item becomes probable and the costs can be reasonably estimated. The actual costs of resolving these items may be substantially higher or lower than the amounts reserved for any one item. Based on information currently available, it is the opinion of management that the eventual outcome of these items will not have a material adverse impact on our results of operations, financial position, or cash flows.</font></div></div>
CY2010	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-7985000000	USD
CY2011	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	10050000000	USD
CY2009	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-10980000000	USD
CY2009	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	17128000000	USD
CY2010	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-7567000000	USD
CY2011	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-14128000000	USD
CY2011	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	5493000000	USD
CY2009	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	-5132000000	USD
CY2010	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	11607000000	USD
CY2011	us-gaap	Net Income Loss NetIncomeLoss	-157000000	USD
CY2010	us-gaap	Net Income Loss NetIncomeLoss	1075000000	USD
CY2009	us-gaap	Net Income Loss NetIncomeLoss	-10298000000	USD
	us-gaap	Net Income Loss NetIncomeLoss	-4578000000	USD
	us-gaap	Net Income Loss NetIncomeLoss	-5720000000	USD
CY2009	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	-11523000000	USD
CY2011	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	-919000000	USD
CY2010	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	-786000000	USD
CY2010	us-gaap	New Accounting Pronouncement Or Change In Accounting Principle Cumulative Effect Of Change On Equity Or Net Assets NewAccountingPronouncementOrChangeInAccountingPrincipleCumulativeEffectOfChangeOnEquityOrNetAssets	-53000000	USD
CY2011Q4	us-gaap	Noninterest Bearing Deposit Liabilities NoninterestBearingDepositLiabilities	2029000000	USD
CY2010Q4	us-gaap	Noninterest Bearing Deposit Liabilities NoninterestBearingDepositLiabilities	2131000000	USD
CY2010	us-gaap	Noninterest Expense NoninterestExpense	6061000000	USD
CY2011	us-gaap	Noninterest Expense NoninterestExpense	5785000000	USD
CY2009	us-gaap	Noninterest Expense NoninterestExpense	7508000000	USD
CY2009	us-gaap	Noninterest Income Other NoninterestIncomeOther	4040000000	USD
CY2011	us-gaap	Noninterest Income Other NoninterestIncomeOther	3596000000	USD
CY2010	us-gaap	Noninterest Income Other NoninterestIncomeOther	5028000000	USD
CY2010	us-gaap	Noninterest Income Other Operating Income NoninterestIncomeOtherOperatingIncome	537000000	USD
CY2011	us-gaap	Noninterest Income Other Operating Income NoninterestIncomeOtherOperatingIncome	754000000	USD
CY2009	us-gaap	Noninterest Income Other Operating Income NoninterestIncomeOtherOperatingIncome	190000000	USD
CY2009	us-gaap	Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease	3519000000	USD
CY2010	us-gaap	Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease	1903000000	USD
CY2011	us-gaap	Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease	1038000000	USD
CY2010	us-gaap	Operating Leases Income Statement Lease Revenue OperatingLeasesIncomeStatementLeaseRevenue	3596000000	USD
CY2011	us-gaap	Operating Leases Income Statement Lease Revenue OperatingLeasesIncomeStatementLeaseRevenue	2298000000	USD
CY2009	us-gaap	Operating Leases Income Statement Lease Revenue OperatingLeasesIncomeStatementLeaseRevenue	5435000000	USD
CY2011Q4	us-gaap	Other Assets OtherAssets	18741000000	USD
CY2010Q4	us-gaap	Other Assets OtherAssets	17564000000	USD
CY2009	us-gaap	Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent	223000000	USD
CY2011	us-gaap	Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent	-88000000	USD
CY2010	us-gaap	Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent	-177000000	USD
CY2011	us-gaap	Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent	20000000	USD
CY2010	us-gaap	Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent	40000000	USD
CY2009	us-gaap	Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent	-24000000	USD
CY2011	us-gaap	Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent	-64000000	USD
CY2009	us-gaap	Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent	601000000	USD
CY2010	us-gaap	Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent	-17000000	USD
CY2010	us-gaap	Other Comprehensive Income Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Tax OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax	165000000	USD
CY2011	us-gaap	Other Comprehensive Income Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Tax OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax	-237000000	USD
CY2009	us-gaap	Other Comprehensive Income Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Tax OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax	601000000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax Period Increase Decrease OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease	497000000	USD
CY2011	us-gaap	Other Comprehensive Income Loss Net Of Tax Period Increase Decrease OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease	-172000000	USD
CY2010	us-gaap	Other Comprehensive Income Loss Net Of Tax Period Increase Decrease OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease	-205000000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax Period Increase Decrease OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease	352000000	USD
CY2011	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-172000000	USD
CY2009	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	849000000	USD
CY2010	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-201000000	USD
CY2011	us-gaap	Other Comprehensive Income Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax	284000000	USD
CY2010	us-gaap	Other Comprehensive Income Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax	497000000	USD
CY2009	us-gaap	Other Comprehensive Income Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax	-108000000	USD
CY2011	us-gaap	Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax	0	USD
CY2010	us-gaap	Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax	33000000	USD
CY2009	us-gaap	Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax	1000000	USD
CY2010	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	320000000	USD
CY2009	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	115000000	USD
CY2011	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	196000000	USD
CY2011Q4	us-gaap	Other Liabilities OtherLiabilities	14084000000	USD
CY2010Q4	us-gaap	Other Liabilities OtherLiabilities	12126000000	USD
CY2009	us-gaap	Other Noninterest Expense OtherNoninterestExpense	4999000000	USD
CY2011	us-gaap	Other Noninterest Expense OtherNoninterestExpense	3498000000	USD
CY2010	us-gaap	Other Noninterest Expense OtherNoninterestExpense	3665000000	USD
CY2009	us-gaap	Payments For Origination And Purchases Of Loans Held For Sale PaymentsForOriginationAndPurchasesOfLoansHeldForSale	88283000000	USD
CY2010	us-gaap	Payments For Origination And Purchases Of Loans Held For Sale PaymentsForOriginationAndPurchasesOfLoansHeldForSale	73823000000	USD
CY2011	us-gaap	Payments For Origination And Purchases Of Loans Held For Sale PaymentsForOriginationAndPurchasesOfLoansHeldForSale	60270000000	USD
CY2009	us-gaap	Payments For Proceeds From Loans And Leases PaymentsForProceedsFromLoansAndLeases	-15062000000	USD
CY2011	us-gaap	Payments For Proceeds From Loans And Leases PaymentsForProceedsFromLoansAndLeases	16998000000	USD
CY2010	us-gaap	Payments For Proceeds From Loans And Leases PaymentsForProceedsFromLoansAndLeases	17344000000	USD
CY2010	us-gaap	Payments For Proceeds From Other Investing Activities PaymentsForProceedsFromOtherInvestingActivities	-3119000000	USD
CY2009	us-gaap	Payments For Proceeds From Other Investing Activities PaymentsForProceedsFromOtherInvestingActivities	-2098000000	USD
CY2011	us-gaap	Payments For Proceeds From Other Investing Activities PaymentsForProceedsFromOtherInvestingActivities	-1143000000	USD
CY2011	us-gaap	Payments Of Dividends PaymentsOfDividends	819000000	USD
CY2009	us-gaap	Payments Of Dividends PaymentsOfDividends	1592000000	USD
CY2010	us-gaap	Payments Of Dividends PaymentsOfDividends	1253000000	USD
CY2011	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	19377000000	USD
CY2010	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	24116000000	USD
CY2009	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	21148000000	USD
CY2009	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	992000000	USD
CY2010	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	820000000	USD
CY2011	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	713000000	USD
CY2011	us-gaap	Premiums Earned Net PremiumsEarnedNet	1573000000	USD
CY2009	us-gaap	Premiums Earned Net PremiumsEarnedNet	1861000000	USD
CY2010	us-gaap	Premiums Earned Net PremiumsEarnedNet	1750000000	USD
CY2010	us-gaap	Proceeds From Divestiture Of Businesses ProceedsFromDivestitureOfBusinesses	161000000	USD
CY2011	us-gaap	Proceeds From Divestiture Of Businesses ProceedsFromDivestitureOfBusinesses	50000000	USD
CY2009	us-gaap	Proceeds From Divestiture Of Businesses ProceedsFromDivestitureOfBusinesses	296000000	USD
CY2010	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	USD
CY2011	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	USD
CY2009	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	1247000000	USD
CY2010	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	39002000000	USD
CY2009	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	30679000000	USD
CY2011	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	44754000000	USD
CY2011	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	4965000000	USD
CY2009	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	4527000000	USD
CY2010	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	4527000000	USD
CY2011	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	514000000	USD
CY2011	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	234000000	USD
CY2010	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	869000000	USD
CY2009	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	1064000000	USD
CY2009	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	-338000000	USD
CY2010	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	-3629000000	USD
CY2009	us-gaap	Proceeds From Sale Of Available For Sale Securities ProceedsFromSaleOfAvailableForSaleSecurities	10153000000	USD
CY2011	us-gaap	Proceeds From Sale Of Available For Sale Securities ProceedsFromSaleOfAvailableForSaleSecurities	14232000000	USD
CY2010	us-gaap	Proceeds From Sale Of Available For Sale Securities ProceedsFromSaleOfAvailableForSaleSecurities	17872000000	USD
CY2010	us-gaap	Proceeds From Sale Of Finance Receivables ProceedsFromSaleOfFinanceReceivables	3138000000	USD
CY2011	us-gaap	Proceeds From Sale Of Finance Receivables ProceedsFromSaleOfFinanceReceivables	2868000000	USD
CY2009	us-gaap	Proceeds From Sale Of Finance Receivables ProceedsFromSaleOfFinanceReceivables	260000000	USD
CY2009	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	78673000000	USD
CY2010	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	80093000000	USD
CY2011	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	61187000000	USD
CY2010Q4	us-gaap	Property Subject To Or Available For Operating Lease Net PropertySubjectToOrAvailableForOperatingLeaseNet	9128000000	USD
CY2011Q4	us-gaap	Property Subject To Or Available For Operating Lease Net PropertySubjectToOrAvailableForOperatingLeaseNet	9275000000	USD
CY2011	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	219000000	USD
CY2009	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	5603000000	USD
CY2010	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	442000000	USD
CY2009	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	61493000000	USD
CY2011	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	40473000000	USD
CY2010	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	49530000000	USD
CY2010Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-6410000000	USD
CY2011Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-7324000000	USD
CY2011	us-gaap	Revenues Revenues	6071000000	USD
CY2009	us-gaap	Revenues Revenues	6202000000	USD
CY2010	us-gaap	Revenues Revenues	7642000000	USD
CY2011Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	2519000000	USD
CY2010Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	3738000000	USD
CY2011	us-gaap	Servicing Fees Net ServicingFeesNet	1358000000	USD
CY2010	us-gaap	Servicing Fees Net ServicingFeesNet	1493000000	USD
CY2009	us-gaap	Servicing Fees Net ServicingFeesNet	1467000000	USD
CY2010Q4	us-gaap	Short Term Borrowings ShortTermBorrowings	7508000000	USD
CY2011Q4	us-gaap	Short Term Borrowings ShortTermBorrowings	7680000000	USD
	us-gaap	Stock Issued During Period Value New Issues StockIssuedDuringPeriodValueNewIssues	1250000000	USD
CY2011Q4	us-gaap	Stockholders Equity StockholdersEquity	19371000000	USD
CY2010Q4	us-gaap	Stockholders Equity StockholdersEquity	20489000000	USD
CY2011Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	19371000000	USD
CY2010Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	20489000000	USD
CY2009Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	20839000000	USD
CY2009Q2	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	26046000000	USD
CY2010	us-gaap	Stockholders Equity Other StockholdersEquityOther	-74000000	USD
CY2011	us-gaap	Stockholders Equity Other StockholdersEquityOther	-5000000	USD
CY2010Q4	us-gaap	Trading Securities TradingSecurities	240000000	USD
CY2011Q4	us-gaap	Trading Securities TradingSecurities	622000000	USD
CY2010Q4	us-gaap	Unearned Premiums UnearnedPremiums	2854000000	USD
CY2011Q4	us-gaap	Unearned Premiums UnearnedPremiums	2576000000	USD
CY2011	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	1330970	shares
CY2009	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	529392	shares
CY2010	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	800597	shares
CY2011	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	1330970	shares
CY2009	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	529392	shares
CY2010	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	800597	shares
CY2011	gjm	Adjustment For Change In Cash And Cash Equivalent Of Operations Held For Sale AdjustmentForChangeInCashAndCashEquivalentOfOperationsHeldForSale	-99000000	USD
CY2010	gjm	Adjustment For Change In Cash And Cash Equivalent Of Operations Held For Sale AdjustmentForChangeInCashAndCashEquivalentOfOperationsHeldForSale	725000000	USD
CY2009	gjm	Adjustment For Change In Cash And Cash Equivalent Of Operations Held For Sale AdjustmentForChangeInCashAndCashEquivalentOfOperationsHeldForSale	-777000000	USD
CY2010	gjm	Availableforsale Securities Gross Realized Gain Loss Excluding Otti Including Disc Ops AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOttiIncludingDiscOps	-520000000	USD
CY2009	gjm	Availableforsale Securities Gross Realized Gain Loss Excluding Otti Including Disc Ops AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOttiIncludingDiscOps	-2000000	USD
CY2011	gjm	Availableforsale Securities Gross Realized Gain Loss Excluding Otti Including Disc Ops AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOttiIncludingDiscOps	-294000000	USD
	gjm	Capital Contributions CapitalContributions	1247000000	USD
CY2010	gjm	Changes In Fair Value Of Mortgage Servicing Rights ChangesInFairValueOfMortgageServicingRights	872000000	USD
CY2009	gjm	Changes In Fair Value Of Mortgage Servicing Rights ChangesInFairValueOfMortgageServicingRights	142000000	USD
CY2011	gjm	Changes In Fair Value Of Mortgage Servicing Rights ChangesInFairValueOfMortgageServicingRights	1606000000	USD
CY2010	gjm	Consolidation Of Loans Net ConsolidationOfLoansNet	137000000	USD
CY2009	gjm	Consolidation Of Loans Net ConsolidationOfLoansNet	1410000000	USD
CY2011	gjm	Consolidation Of Loans Net ConsolidationOfLoansNet	0	USD
CY2009	gjm	Consolidation Of Variable Interest Entity Debt ConsolidationOfVariableInterestEntityDebt	1184000000	USD
CY2011	gjm	Consolidation Of Variable Interest Entity Debt ConsolidationOfVariableInterestEntityDebt	0	USD
CY2010	gjm	Consolidation Of Variable Interest Entity Debt ConsolidationOfVariableInterestEntityDebt	78000000	USD
CY2009	gjm	Contributions From Stockholders And Members ContributionsFromStockholdersAndMembers	34000000	USD
CY2010	gjm	Contributions From Stockholders And Members ContributionsFromStockholdersAndMembers	0	USD
CY2011	gjm	Contributions From Stockholders And Members ContributionsFromStockholdersAndMembers	0	USD
CY2009	gjm	Conversion Of Preferred Stock To Common Equity ConversionOfPreferredStockToCommonEquity	0	USD
CY2010	gjm	Net Income Loss From Continuing Operations Attributable To Common Shareholders NetIncomeLossFromContinuingOperationsAttributableToCommonShareholders	-875000000	USD
CY2009	gjm	Net Income Loss From Continuing Operations Attributable To Common Shareholders NetIncomeLossFromContinuingOperationsAttributableToCommonShareholders	-8208000000	USD
CY2011Q4	gjm	Non Us Dept Of Treasury Held Preferred Stock And Apic NonUSDeptOfTreasuryHeldPreferredStockAndApic	1255000000	USD
CY2010Q4	gjm	Non Us Dept Of Treasury Held Preferred Stock And Apic NonUSDeptOfTreasuryHeldPreferredStockAndApic	1287000000	USD
CY2009	gjm	Other Comprehensive Income Cumulative Effect Of Change In Accounting Principle OtherComprehensiveIncomeCumulativeEffectOfChangeInAccountingPrinciple	0	USD
CY2010	gjm	Conversion Of Preferred Stock To Common Equity ConversionOfPreferredStockToCommonEquity	5208000000	USD
CY2011	gjm	Conversion Of Preferred Stock To Common Equity ConversionOfPreferredStockToCommonEquity	0	USD
CY2010	gjm	Deconsolidation Of Loans Net DeconsolidationOfLoansNet	1969000000	USD
CY2009	gjm	Deconsolidation Of Loans Net DeconsolidationOfLoansNet	0	USD
CY2011	gjm	Deconsolidation Of Loans Net DeconsolidationOfLoansNet	0	USD
CY2011	gjm	Deconsolidation Of Variable Interest Entity Debt DeconsolidationOfVariableInterestEntityDebt	0	USD
CY2009	gjm	Deconsolidation Of Variable Interest Entity Debt DeconsolidationOfVariableInterestEntityDebt	0	USD
CY2010	gjm	Deconsolidation Of Variable Interest Entity Debt DeconsolidationOfVariableInterestEntityDebt	1903000000	USD
CY2010	gjm	Disposals Of Operating Lease Assets DisposalsOfOperatingLeaseAssets	8627000000	USD
CY2009	gjm	Disposals Of Operating Lease Assets DisposalsOfOperatingLeaseAssets	6612000000	USD
CY2011	gjm	Disposals Of Operating Lease Assets DisposalsOfOperatingLeaseAssets	5517000000	USD
	gjm	Dividends Preferred Interests Excluding Dividends Paid To Us Department Of Treasury DividendsPreferredInterestsExcludingDividendsPaidToUSDepartmentOfTreasury	195000000	USD
CY2011	gjm	Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury	260000000	USD
CY2010	gjm	Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury	282000000	USD
CY2009	gjm	Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury	370000000	USD
	gjm	Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury	175000000	USD
	gjm	Dividends To Members DividendsToMembers	119000000	USD
CY2010	gjm	Gain Loss On Extinguishment Of Debt Including Discontinued Operations GainLossOnExtinguishmentOfDebtIncludingDiscontinuedOperations	-123000000	USD
CY2009	gjm	Gain Loss On Extinguishment Of Debt Including Discontinued Operations GainLossOnExtinguishmentOfDebtIncludingDiscontinuedOperations	665000000	USD
CY2011	gjm	Gain Loss On Extinguishment Of Debt Including Discontinued Operations GainLossOnExtinguishmentOfDebtIncludingDiscontinuedOperations	-64000000	USD
CY2009	gjm	Gain Loss On Sales Of Loans Net Including Discontinued Operations GainLossOnSalesOfLoansNetIncludingDiscontinuedOperations	192000000	USD
CY2011	gjm	Gain Loss On Sales Of Loans Net Including Discontinued Operations GainLossOnSalesOfLoansNetIncludingDiscontinuedOperations	459000000	USD
CY2010	gjm	Gain Loss On Sales Of Loans Net Including Discontinued Operations GainLossOnSalesOfLoansNetIncludingDiscontinuedOperations	1014000000	USD
CY2009	gjm	Impact Of Preferred Stock Amendment ImpactOfPreferredStockAmendment	0	USD
CY2010	gjm	Impact Of Preferred Stock Amendment ImpactOfPreferredStockAmendment	0	USD
CY2011	gjm	Impact Of Preferred Stock Amendment ImpactOfPreferredStockAmendment	-32000000	USD
CY2011	gjm	Impact Of Preferred Stock Conversion And Related Amendment ImpactOfPreferredStockConversionAndRelatedAmendment	0	USD
CY2010	gjm	Impact Of Preferred Stock Conversion And Related Amendment ImpactOfPreferredStockConversionAndRelatedAmendment	616000000	USD
CY2009	gjm	Impact Of Preferred Stock Conversion And Related Amendment ImpactOfPreferredStockConversionAndRelatedAmendment	0	USD
CY2011	gjm	Increase In Finance Receivables And Loans Due To Change In Accounting Principle IncreaseInFinanceReceivablesAndLoansDueToChangeInAccountingPrinciple	0	USD
CY2010	gjm	Increase In Finance Receivables And Loans Due To Change In Accounting Principle IncreaseInFinanceReceivablesAndLoansDueToChangeInAccountingPrinciple	17990000000	USD
CY2009	gjm	Increase In Finance Receivables And Loans Due To Change In Accounting Principle IncreaseInFinanceReceivablesAndLoansDueToChangeInAccountingPrinciple	0	USD
CY2011	gjm	Increase In Long Term Debt Due To Change In Accounting Principle IncreaseInLongTermDebtDueToChangeInAccountingPrinciple	0	USD
CY2010	gjm	Increase In Long Term Debt Due To Change In Accounting Principle IncreaseInLongTermDebtDueToChangeInAccountingPrinciple	17054000000	USD
CY2009	gjm	Increase In Long Term Debt Due To Change In Accounting Principle IncreaseInLongTermDebtDueToChangeInAccountingPrinciple	0	USD
	gjm	Issuance Of Preferred Interests IssuanceOfPreferredInterests	7500000000	USD
CY2008Q4	gjm	Members Interest Deficit MembersInterestDeficit	21854000000	USD
CY2009Q2	gjm	Members Interest Deficit MembersInterestDeficit	26046000000	USD
CY2010	gjm	Net Financing Revenue NetFinancingRevenue	2614000000	USD
CY2011	gjm	Net Financing Revenue NetFinancingRevenue	2475000000	USD
CY2009	gjm	Net Financing Revenue NetFinancingRevenue	2162000000	USD
CY2011	gjm	Net Income Loss From Continuing Operations Attributable To Common Shareholders NetIncomeLossFromContinuingOperationsAttributableToCommonShareholders	-874000000	USD
CY2011	gjm	Other Comprehensive Income Cumulative Effect Of Change In Accounting Principle OtherComprehensiveIncomeCumulativeEffectOfChangeInAccountingPrinciple	0	USD
CY2010	gjm	Other Comprehensive Income Cumulative Effect Of Change In Accounting Principle OtherComprehensiveIncomeCumulativeEffectOfChangeInAccountingPrinciple	-4000000	USD
CY2011	gjm	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss And Net Prior Service Costs Credit Arising During Period Net Of Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossAndNetPriorServiceCostsCreditArisingDuringPeriodNetOfTax	-27000000	USD
CY2010	gjm	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss And Net Prior Service Costs Credit Arising During Period Net Of Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossAndNetPriorServiceCostsCreditArisingDuringPeriodNetOfTax	-59000000	USD
CY2009	gjm	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss And Net Prior Service Costs Credit Arising During Period Net Of Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossAndNetPriorServiceCostsCreditArisingDuringPeriodNetOfTax	37000000	USD
CY2010	gjm	Other Comprehensive Income Loss Reclassification Pension And Other Postretirement Benefit Plans Net Gain Loss And Net Prior Service Cost Recognized In Net Income Net Of Tax OtherComprehensiveIncomeLossReclassificationPensionAndOtherPostretirementBenefitPlansNetGainLossAndNetPriorServiceCostRecognizedInNetIncomeNetOfTax	-19000000	USD
CY2009	gjm	Other Comprehensive Income Loss Reclassification Pension And Other Postretirement Benefit Plans Net Gain Loss And Net Prior Service Cost Recognized In Net Income Net Of Tax OtherComprehensiveIncomeLossReclassificationPensionAndOtherPostretirementBenefitPlansNetGainLossAndNetPriorServiceCostRecognizedInNetIncomeNetOfTax	13000000	USD
CY2011	gjm	Other Comprehensive Income Loss Reclassification Pension And Other Postretirement Benefit Plans Net Gain Loss And Net Prior Service Cost Recognized In Net Income Net Of Tax OtherComprehensiveIncomeLossReclassificationPensionAndOtherPostretirementBenefitPlansNetGainLossAndNetPriorServiceCostRecognizedInNetIncomeNetOfTax	-7000000	USD
CY2009	gjm	Other Comprehensive Income Reclassification Adjustment For Net Investment Hedges Included In Net Income Net Of Tax OtherComprehensiveIncomeReclassificationAdjustmentForNetInvestmentHedgesIncludedInNetIncomeNetOfTax	0	USD
CY2010	gjm	Other Comprehensive Income Reclassification Adjustment For Net Investment Hedges Included In Net Income Net Of Tax OtherComprehensiveIncomeReclassificationAdjustmentForNetInvestmentHedgesIncludedInNetIncomeNetOfTax	-1000000	USD
CY2011	gjm	Other Comprehensive Income Reclassification Adjustment For Net Investment Hedges Included In Net Income Net Of Tax OtherComprehensiveIncomeReclassificationAdjustmentForNetInvestmentHedgesIncludedInNetIncomeNetOfTax	-8000000	USD
CY2009	gjm	Other Conprehensive Income Unrealized Gain Loss On Net Investment Hedges Arising During Period OtherConprehensiveIncomeUnrealizedGainLossOnNetInvestmentHedgesArisingDuringPeriod	0	USD
CY2010	gjm	Other Conprehensive Income Unrealized Gain Loss On Net Investment Hedges Arising During Period OtherConprehensiveIncomeUnrealizedGainLossOnNetInvestmentHedgesArisingDuringPeriod	-183000000	USD
CY2011	gjm	Other Conprehensive Income Unrealized Gain Loss On Net Investment Hedges Arising During Period OtherConprehensiveIncomeUnrealizedGainLossOnNetInvestmentHedgesArisingDuringPeriod	165000000	USD
CY2011	gjm	Other Impairment OtherImpairment	40000000	USD
CY2009	gjm	Other Impairment OtherImpairment	1516000000	USD
CY2010	gjm	Other Impairment OtherImpairment	170000000	USD
	gjm	Preferred Interest Dividends Paid To Us Department Of Treasury PreferredInterestDividendsPaidToUSDepartmentOfTreasury	160000000	USD
CY2011	gjm	Preferred Stock Amendment PreferredStockAmendment	0	USD
CY2011	gjm	Preferred Stock Dividends Paid To Us Department Of Treasury PreferredStockDividendsPaidToUSDepartmentOfTreasury	534000000	USD
CY2009	gjm	Preferred Stock Dividends Paid To Us Department Of Treasury PreferredStockDividendsPaidToUSDepartmentOfTreasury	855000000	USD
CY2010	gjm	Preferred Stock Dividends Paid To Us Department Of Treasury PreferredStockDividendsPaidToUSDepartmentOfTreasury	963000000	USD
	gjm	Preferred Stock Dividends Paid To Us Department Of Treasury PreferredStockDividendsPaidToUSDepartmentOfTreasury	695000000	USD
CY2011Q4	gjm	Premiums Receivable And Other Insurance Assets PremiumsReceivableAndOtherInsuranceAssets	1853000000	USD
CY2010Q4	gjm	Premiums Receivable And Other Insurance Assets PremiumsReceivableAndOtherInsuranceAssets	2181000000	USD
CY2010	gjm	Proceeds From Issuance Of Preferred Stock To Us Department Of Treasury ProceedsFromIssuanceOfPreferredStockToUsDepartmentOfTreasury	0	USD
CY2011	gjm	Proceeds From Issuance Of Preferred Stock To Us Department Of Treasury ProceedsFromIssuanceOfPreferredStockToUsDepartmentOfTreasury	0	USD
CY2009	gjm	Proceeds From Issuance Of Preferred Stock To Us Department Of Treasury ProceedsFromIssuanceOfPreferredStockToUsDepartmentOfTreasury	8750000000	USD
CY2010	gjm	Proceeds From Sales And Repayments Of Mortgage Loans Held For Investment Originally Designated As Held For Sale ProceedsFromSalesAndRepaymentsOfMortgageLoansHeldForInvestmentOriginallyDesignatedAsHeldForSale	1324000000	USD
CY2011	gjm	Proceeds From Sales And Repayments Of Mortgage Loans Held For Investment Originally Designated As Held For Sale ProceedsFromSalesAndRepaymentsOfMortgageLoansHeldForInvestmentOriginallyDesignatedAsHeldForSale	241000000	USD
CY2009	gjm	Proceeds From Sales And Repayments Of Mortgage Loans Held For Investment Originally Designated As Held For Sale ProceedsFromSalesAndRepaymentsOfMortgageLoansHeldForInvestmentOriginallyDesignatedAsHeldForSale	1010000000	USD
CY2009	gjm	Provision For Loan Losses Expensed Including Discontinued Operations ProvisionForLoanLossesExpensedIncludingDiscontinuedOperations	6173000000	USD
CY2010	gjm	Provision For Loan Losses Expensed Including Discontinued Operations ProvisionForLoanLossesExpensedIncludingDiscontinuedOperations	469000000	USD
CY2011	gjm	Provision For Loan Losses Expensed Including Discontinued Operations ProvisionForLoanLossesExpensedIncludingDiscontinuedOperations	217000000	USD
CY2010	gjm	Purchases Of Operating Lease Assets PurchasesOfOperatingLeaseAssets	3551000000	USD
CY2009	gjm	Purchases Of Operating Lease Assets PurchasesOfOperatingLeaseAssets	732000000	USD
CY2011	gjm	Purchases Of Operating Lease Assets PurchasesOfOperatingLeaseAssets	6528000000	USD
CY2009	gjm	Servicing Asset Valuation And Hedge Activities Net ServicingAssetValuationAndHedgeActivitiesNet	-1104000000	USD
CY2010	gjm	Servicing Asset Valuation And Hedge Activities Net ServicingAssetValuationAndHedgeActivitiesNet	-394000000	USD
CY2011	gjm	Servicing Asset Valuation And Hedge Activities Net ServicingAssetValuationAndHedgeActivitiesNet	-789000000	USD
CY2010	gjm	Stockholders Equity After Cumulative Effect Of Changes In Accounting Principle StockholdersEquityAfterCumulativeEffectOfChangesInAccountingPrinciple	20786000000	USD
CY2011	gjm	Total Financing Revenue And Other Interest Income TotalFinancingRevenueAndOtherInterestIncome	9736000000	USD
CY2009	gjm	Total Financing Revenue And Other Interest Income TotalFinancingRevenueAndOtherInterestIncome	12772000000	USD
CY2010	gjm	Total Financing Revenue And Other Interest Income TotalFinancingRevenueAndOtherInterestIncome	11183000000	USD
CY2011	gjm	Total Servicing Income Net TotalServicingIncomeNet	569000000	USD
CY2009	gjm	Total Servicing Income Net TotalServicingIncomeNet	363000000	USD
CY2010	gjm	Total Servicing Income Net TotalServicingIncomeNet	1099000000	USD
CY2009	gjm	Transfer Of Mortgage Servicing Rights Into Trading Securities Through Certification TransferOfMortgageServicingRightsIntoTradingSecuritiesThroughCertification	0	USD
CY2010	gjm	Transfer Of Mortgage Servicing Rights Into Trading Securities Through Certification TransferOfMortgageServicingRightsIntoTradingSecuritiesThroughCertification	0	USD
CY2011	gjm	Transfer Of Mortgage Servicing Rights Into Trading Securities Through Certification TransferOfMortgageServicingRightsIntoTradingSecuritiesThroughCertification	266000000	USD
CY2010Q4	gjm	Us Dept Of Treasury Held Preferred Stock And Apic USDeptOfTreasuryHeldPreferredStockAndApic	5685000000	USD
CY2011Q4	gjm	Us Dept Of Treasury Held Preferred Stock And Apic USDeptOfTreasuryHeldPreferredStockAndApic	5685000000	USD
CY2011	dei	Amendment Flag AmendmentFlag	false
CY2011	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2011	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2011	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2011
CY2011	dei	Document Period End Date DocumentPeriodEndDate	2011-12-31
CY2011	dei	Document Type DocumentType	8-K
CY2011	dei	Entity Central Index Key EntityCentralIndexKey	0000040729
CY2012Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	1330970	shares
CY2011	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2011	dei	Entity Filer Category EntityFilerCategory	Non-accelerated Filer
CY2011Q2	dei	Entity Public Float EntityPublicFloat	0	USD
CY2011	dei	Entity Registrant Name EntityRegistrantName	Ally Financial Inc.
CY2011	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2011	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes

us-gaap

Adjustments To Additional Paid In Capital Other

AdjustmentsToAdditionalPaidInCapitalOther

55000000

USD

CY2010Q4

us-gaap

Accumulated Other Comprehensive Income Loss Net Of Tax

AccumulatedOtherComprehensiveIncomeLossNetOfTax

259000000

USD

CY2011Q4

us-gaap

Accumulated Other Comprehensive Income Loss Net Of Tax

AccumulatedOtherComprehensiveIncomeLossNetOfTax

87000000

USD

CY2010

us-gaap

Adjustments To Additional Paid In Capital Other

AdjustmentsToAdditionalPaidInCapitalOther

15000000

USD

CY2009

us-gaap

Effect Of Exchange Rate On Cash And Cash Equivalents

EffectOfExchangeRateOnCashAndCashEquivalents

-602000000

USD

CY2010

us-gaap

Effect Of Exchange Rate On Cash And Cash Equivalents

EffectOfExchangeRateOnCashAndCashEquivalents

102000000

USD

CY2010Q4

us-gaap

Assets

172008000000

USD

CY2011Q4

us-gaap

Assets

184059000000

USD

CY2011Q4

us-gaap

Assets Of Disposal Group Including Discontinued Operation

AssetsOfDisposalGroupIncludingDiscontinuedOperation

1070000000

USD

CY2010Q4

us-gaap

Assets Of Disposal Group Including Discontinued Operation

AssetsOfDisposalGroupIncludingDiscontinuedOperation

690000000

USD

CY2010Q4

us-gaap

Available For Sale Securities

AvailableForSaleSecurities

14846000000

USD

CY2011Q4

us-gaap

Available For Sale Securities

AvailableForSaleSecurities

15135000000

USD

CY2011

us-gaap

Availableforsale Securities Gross Realized Gain Loss Excluding Other Than Temporary Impairments

AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments

294000000

USD

CY2009

us-gaap

Availableforsale Securities Gross Realized Gain Loss Excluding Other Than Temporary Impairments

AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments

162000000

USD

CY2010

us-gaap

Availableforsale Securities Gross Realized Gain Loss Excluding Other Than Temporary Impairments

AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOtherThanTemporaryImpairments

504000000

USD

CY2010Q4

us-gaap

Cash And Cash Equivalents At Carrying Value

CashAndCashEquivalentsAtCarryingValue

11670000000

USD

CY2011Q4

us-gaap

Cash And Cash Equivalents At Carrying Value

CashAndCashEquivalentsAtCarryingValue

13035000000

USD

CY2009Q4

us-gaap

Cash And Cash Equivalents At Carrying Value

CashAndCashEquivalentsAtCarryingValue

14788000000

USD

CY2008Q4

us-gaap

Cash And Cash Equivalents At Carrying Value

CashAndCashEquivalentsAtCarryingValue

15151000000

USD

CY2011

us-gaap

Cash And Cash Equivalents Period Increase Decrease

CashAndCashEquivalentsPeriodIncreaseDecrease

1464000000

USD

CY2009

us-gaap

Cash And Cash Equivalents Period Increase Decrease

CashAndCashEquivalentsPeriodIncreaseDecrease

414000000

USD

CY2010

us-gaap

Cash And Cash Equivalents Period Increase Decrease

CashAndCashEquivalentsPeriodIncreaseDecrease

-3843000000

USD

CY2010Q4

us-gaap

Cash And Due From Banks

CashAndDueFromBanks

1714000000

USD

CY2011Q4

us-gaap

Cash And Due From Banks

CashAndDueFromBanks

2475000000

USD

CY2010Q4

us-gaap

Common Stock Including Additional Paid In Capital Net Of Discount

CommonStockIncludingAdditionalPaidInCapitalNetOfDiscount

19668000000

USD

CY2011Q4

us-gaap

Common Stock Including Additional Paid In Capital Net Of Discount

CommonStockIncludingAdditionalPaidInCapitalNetOfDiscount

19668000000

USD

CY2011

us-gaap

Comprehensive Income Net Of Tax

ComprehensiveIncomeNetOfTax

-329000000

USD

CY2010

us-gaap

Comprehensive Income Net Of Tax

ComprehensiveIncomeNetOfTax

870000000

USD

CY2009

us-gaap

Comprehensive Income Net Of Tax

ComprehensiveIncomeNetOfTax

-9449000000

USD

CY2010

us-gaap

Conversion Of Stock Amount Converted1

ConversionOfStockAmountConverted1

0

USD

us-gaap

Conversion Of Stock Amount Converted1

ConversionOfStockAmountConverted1

0

USD

CY2010Q4

us-gaap

Deposits

39048000000

USD

CY2011Q4

us-gaap

Deposits

45050000000

USD

CY2010

us-gaap

Depreciation Amortization And Accretion Net

DepreciationAmortizationAndAccretionNet

4100000000

USD

CY2011

us-gaap

Depreciation Amortization And Accretion Net

DepreciationAmortizationAndAccretionNet

2713000000

USD

CY2009

us-gaap

Depreciation Amortization And Accretion Net

DepreciationAmortizationAndAccretionNet

5958000000

USD

CY2010

us-gaap

Dividends Common Stock

DividendsCommonStock

11000000

USD

us-gaap

Dividends Common Stock

DividendsCommonStock

274000000

USD

CY2009

us-gaap

Earnings Per Share Basic

EarningsPerShareBasic

-21765

CY2010

us-gaap

Earnings Per Share Basic

EarningsPerShareBasic

-981

CY2011

us-gaap

Earnings Per Share Basic

EarningsPerShareBasic

-691

CY2010

us-gaap

Earnings Per Share Diluted

EarningsPerShareDiluted

-981

CY2009

us-gaap

Earnings Per Share Diluted

EarningsPerShareDiluted

-21765

CY2011

us-gaap

Earnings Per Share Diluted

EarningsPerShareDiluted

-691

CY2011

us-gaap

Effect Of Exchange Rate On Cash And Cash Equivalents

EffectOfExchangeRateOnCashAndCashEquivalents

49000000

USD

CY2011

us-gaap

Gain Loss On Sales Of Loans Net

GainLossOnSalesOfLoansNet

470000000

USD

CY2009

us-gaap

Gain Loss On Sales Of Loans Net

GainLossOnSalesOfLoansNet

799000000

USD

CY2010

us-gaap

Gain Loss On Sales Of Loans Net

GainLossOnSalesOfLoansNet

1261000000

USD

CY2009

us-gaap

Gains Losses On Extinguishment Of Debt

GainsLossesOnExtinguishmentOfDebt

665000000

USD

CY2010

us-gaap

Gains Losses On Extinguishment Of Debt

GainsLossesOnExtinguishmentOfDebt

-123000000

USD

CY2011

us-gaap

Gains Losses On Extinguishment Of Debt

GainsLossesOnExtinguishmentOfDebt

-64000000

USD

CY2009

us-gaap

Goodwill And Intangible Asset Impairment

GoodwillAndIntangibleAssetImpairment

607000000

USD

CY2010

us-gaap

Goodwill And Intangible Asset Impairment

GoodwillAndIntangibleAssetImpairment

0

USD

CY2011

us-gaap

Goodwill And Intangible Asset Impairment

GoodwillAndIntangibleAssetImpairment

0

USD

CY2009

us-gaap

Income Loss From Continuing Operations

IncomeLossFromContinuingOperations

-6983000000

USD

CY2011

us-gaap

Income Loss From Continuing Operations

IncomeLossFromContinuingOperations

-112000000

USD

CY2010

us-gaap

Income Loss From Continuing Operations

IncomeLossFromContinuingOperations

986000000

USD

CY2011

us-gaap

Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments

IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

67000000

USD

CY2010

us-gaap

Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments

IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

1139000000

USD

CY2009

us-gaap

Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments

IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

-6909000000

USD

CY2009

us-gaap

Income Loss From Continuing Operations Per Basic Share

IncomeLossFromContinuingOperationsPerBasicShare

-15503

CY2010

us-gaap

Income Loss From Continuing Operations Per Basic Share

IncomeLossFromContinuingOperationsPerBasicShare

-1092

CY2011

us-gaap

Income Loss From Continuing Operations Per Basic Share

IncomeLossFromContinuingOperationsPerBasicShare

-658

CY2011

us-gaap

Income Loss From Continuing Operations Per Diluted Share

IncomeLossFromContinuingOperationsPerDilutedShare

-658

CY2010

us-gaap

Income Loss From Continuing Operations Per Diluted Share

IncomeLossFromContinuingOperationsPerDilutedShare

-1092

CY2009

us-gaap

Income Loss From Continuing Operations Per Diluted Share

IncomeLossFromContinuingOperationsPerDilutedShare

-15503

CY2009

us-gaap

Income Loss From Discontinued Operations Net Of Tax

IncomeLossFromDiscontinuedOperationsNetOfTax

-3315000000

USD

CY2011

us-gaap

Income Loss From Discontinued Operations Net Of Tax

IncomeLossFromDiscontinuedOperationsNetOfTax

-45000000

USD

CY2010

us-gaap

Income Loss From Discontinued Operations Net Of Tax

IncomeLossFromDiscontinuedOperationsNetOfTax

89000000

USD

CY2010

us-gaap

Income Loss From Discontinued Operations Net Of Tax Per Basic Share

IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare

111

CY2011

us-gaap

Income Loss From Discontinued Operations Net Of Tax Per Basic Share

IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare

-33

CY2009

us-gaap

Income Loss From Discontinued Operations Net Of Tax Per Basic Share

IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare

-6262

CY2010

us-gaap

Income Loss From Discontinued Operations Net Of Tax Per Diluted Share

IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare

111

CY2011

us-gaap

Income Loss From Discontinued Operations Net Of Tax Per Diluted Share

IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare

-33

CY2009

us-gaap

Income Loss From Discontinued Operations Net Of Tax Per Diluted Share

IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare

-6262

CY2011

us-gaap

Income Tax Expense Benefit

IncomeTaxExpenseBenefit

179000000

USD

CY2010

us-gaap

Income Tax Expense Benefit

IncomeTaxExpenseBenefit

153000000

USD

CY2009

us-gaap

Income Tax Expense Benefit

IncomeTaxExpenseBenefit

74000000

USD

CY2010

us-gaap

Income Taxes Paid

IncomeTaxesPaid

517000000

USD

CY2009

us-gaap

Income Taxes Paid

IncomeTaxesPaid

355000000

USD

CY2011

us-gaap

Income Taxes Paid

IncomeTaxesPaid

507000000

USD

CY2010

us-gaap

Increase Decrease In Deferred Income Taxes

IncreaseDecreaseInDeferredIncomeTaxes

272000000

USD

CY2011

us-gaap

Increase Decrease In Deferred Income Taxes

IncreaseDecreaseInDeferredIncomeTaxes

198000000

USD

CY2009

us-gaap

Increase Decrease In Deferred Income Taxes

IncreaseDecreaseInDeferredIncomeTaxes

402000000

USD

CY2011

us-gaap

Increase Decrease In Deposits

IncreaseDecreaseInDeposits

5840000000

USD

CY2010

us-gaap

Increase Decrease In Deposits

IncreaseDecreaseInDeposits

6556000000

USD

CY2009

us-gaap

Increase Decrease In Deposits

IncreaseDecreaseInDeposits

10703000000

USD

CY2011

us-gaap

Increase Decrease In Interest Payable Net

IncreaseDecreaseInInterestPayableNet

-98000000

USD

CY2010

us-gaap

Increase Decrease In Interest Payable Net

IncreaseDecreaseInInterestPayableNet

177000000

USD

CY2009

us-gaap

Increase Decrease In Interest Payable Net

IncreaseDecreaseInInterestPayableNet

83000000

USD

CY2010

us-gaap

Increase Decrease In Other Operating Assets

IncreaseDecreaseInOtherOperatingAssets

-1240000000

USD

CY2009

us-gaap

Increase Decrease In Other Operating Assets

IncreaseDecreaseInOtherOperatingAssets

-3711000000

USD

CY2011

us-gaap

Increase Decrease In Other Operating Assets

IncreaseDecreaseInOtherOperatingAssets

311000000

USD

CY2009

us-gaap

Increase Decrease In Other Operating Capital Net

IncreaseDecreaseInOtherOperatingCapitalNet

1414000000

USD

CY2010

us-gaap

Increase Decrease In Other Operating Capital Net

IncreaseDecreaseInOtherOperatingCapitalNet

540000000

USD

CY2011

us-gaap

Increase Decrease In Other Operating Capital Net

IncreaseDecreaseInOtherOperatingCapitalNet

-546000000

USD

CY2010

us-gaap

Increase Decrease In Other Operating Liabilities

IncreaseDecreaseInOtherOperatingLiabilities

-504000000

USD

CY2011

us-gaap

Increase Decrease In Other Operating Liabilities

IncreaseDecreaseInOtherOperatingLiabilities

1390000000

USD

CY2009

us-gaap

Increase Decrease In Other Operating Liabilities

IncreaseDecreaseInOtherOperatingLiabilities

-1473000000

USD

CY2009

us-gaap

Increase Decrease In Trading Securities

IncreaseDecreaseInTradingSecurities

-734000000

USD

CY2010

us-gaap

Increase Decrease In Trading Securities

IncreaseDecreaseInTradingSecurities

39000000

USD

CY2011

us-gaap

Increase Decrease In Trading Securities

IncreaseDecreaseInTradingSecurities

483000000

USD

CY2011

us-gaap

Interest And Dividend Income Securities Available For Sale

InterestAndDividendIncomeSecuritiesAvailableForSale

398000000

USD

CY2009

us-gaap

Interest And Dividend Income Securities Available For Sale

InterestAndDividendIncomeSecuritiesAvailableForSale

220000000

USD

CY2010

us-gaap

Interest And Dividend Income Securities Available For Sale

InterestAndDividendIncomeSecuritiesAvailableForSale

356000000

USD

CY2009

us-gaap

Interest And Dividend Income Securities Trading Or Measured At Fair Value

InterestAndDividendIncomeSecuritiesTradingOrMeasuredAtFairValue

132000000

USD

CY2010

us-gaap

Interest And Dividend Income Securities Trading Or Measured At Fair Value

InterestAndDividendIncomeSecuritiesTradingOrMeasuredAtFairValue

15000000

USD

CY2011

us-gaap

Interest And Dividend Income Securities Trading Or Measured At Fair Value

InterestAndDividendIncomeSecuritiesTradingOrMeasuredAtFairValue

19000000

USD

CY2010

us-gaap

Interest And Fee Income Loans And Leases

InterestAndFeeIncomeLoansAndLeases

6546000000

USD

CY2011

us-gaap

Interest And Fee Income Loans And Leases

InterestAndFeeIncomeLoansAndLeases

6635000000

USD

CY2009

us-gaap

Interest And Fee Income Loans And Leases

InterestAndFeeIncomeLoansAndLeases

6471000000

USD

CY2009

us-gaap

Interest And Fee Income Loans And Leases Held For Sale

InterestAndFeeIncomeLoansAndLeasesHeldForSale

416000000

USD

CY2011

us-gaap

Interest And Fee Income Loans And Leases Held For Sale

InterestAndFeeIncomeLoansAndLeasesHeldForSale

332000000

USD

CY2010

us-gaap

Interest And Fee Income Loans And Leases Held For Sale

InterestAndFeeIncomeLoansAndLeasesHeldForSale

601000000

USD

CY2011Q4

us-gaap

Interest Bearing Deposit Liabilities

InterestBearingDepositLiabilities

43021000000

USD

CY2010Q4

us-gaap

Interest Bearing Deposit Liabilities

InterestBearingDepositLiabilities

36917000000

USD

CY2011Q4

us-gaap

Interest Bearing Deposits In Banks

InterestBearingDepositsInBanks

10560000000

USD

CY2010Q4

us-gaap

Interest Bearing Deposits In Banks

InterestBearingDepositsInBanks

9956000000

USD

CY2011

us-gaap

Interest Expense

InterestExpense

6223000000

USD

CY2010

us-gaap

Interest Expense

InterestExpense

6666000000

USD

CY2009

us-gaap

Interest Expense

InterestExpense

7091000000

USD

CY2011

us-gaap

Interest Expense Deposits

InterestExpenseDeposits

700000000

USD

CY2010

us-gaap

Interest Expense Deposits

InterestExpenseDeposits

641000000

USD

CY2009

us-gaap

Interest Expense Deposits

InterestExpenseDeposits

677000000

USD

CY2010

us-gaap

Interest Expense Long Term Debt

InterestExpenseLongTermDebt

5701000000

USD

CY2011

us-gaap

Interest Expense Long Term Debt

InterestExpenseLongTermDebt

5209000000

USD

CY2009

us-gaap

Interest Expense Long Term Debt

InterestExpenseLongTermDebt

5949000000

USD

CY2010

us-gaap

Interest Expense Short Term Borrowings

InterestExpenseShortTermBorrowings

324000000

USD

CY2011

us-gaap

Interest Expense Short Term Borrowings

InterestExpenseShortTermBorrowings

314000000

USD

CY2009

us-gaap

Interest Expense Short Term Borrowings

InterestExpenseShortTermBorrowings

465000000

USD

CY2009

us-gaap

Interest Income Deposits With Financial Institutions

InterestIncomeDepositsWithFinancialInstitutions

98000000

USD

CY2011

us-gaap

Interest Income Deposits With Financial Institutions

InterestIncomeDepositsWithFinancialInstitutions

54000000

USD

CY2010

us-gaap

Interest Income Deposits With Financial Institutions

InterestIncomeDepositsWithFinancialInstitutions

69000000

USD

CY2010

us-gaap

Interest Paid

InterestPaid

5531000000

USD

CY2009

us-gaap

Interest Paid

InterestPaid

7868000000

USD

CY2011

us-gaap

Interest Paid

InterestPaid

5630000000

USD

CY2011Q4

us-gaap

Interest Payable Current And Noncurrent

InterestPayableCurrentAndNoncurrent

1587000000

USD

CY2010Q4

us-gaap

Interest Payable Current And Noncurrent

InterestPayableCurrentAndNoncurrent

1829000000

USD

CY2010

us-gaap

Labor And Related Expense

LaborAndRelatedExpense

1576000000

USD

CY2011

us-gaap

Labor And Related Expense

LaborAndRelatedExpense

1574000000

USD

CY2009

us-gaap

Labor And Related Expense

LaborAndRelatedExpense

1517000000

USD

CY2010Q4

us-gaap

Liabilities

151519000000

USD

CY2011Q4

us-gaap

Liabilities

164688000000

USD

CY2011Q4

us-gaap

Liabilities And Stockholders Equity

LiabilitiesAndStockholdersEquity

184059000000

USD

CY2010Q4

us-gaap

Liabilities And Stockholders Equity

LiabilitiesAndStockholdersEquity

172008000000

USD

CY2010Q4

us-gaap

Liabilities Of Disposal Group Including Discontinued Operation

LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation

680000000

USD

CY2011Q4

us-gaap

Liabilities Of Disposal Group Including Discontinued Operation

LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation

337000000

USD

CY2010Q4

us-gaap

Liability For Claims And Claims Adjustment Expense

LiabilityForClaimsAndClaimsAdjustmentExpense

862000000

USD

CY2011Q4

us-gaap

Liability For Claims And Claims Adjustment Expense

LiabilityForClaimsAndClaimsAdjustmentExpense

580000000

USD

CY2011Q4

us-gaap

Loans And Leases Receivable Allowance

LoansAndLeasesReceivableAllowance

1503000000

USD

CY2010Q4

us-gaap

Loans And Leases Receivable Allowance

LoansAndLeasesReceivableAllowance

1873000000

USD

CY2010Q4

us-gaap

Loans And Leases Receivable Gross Carrying Amount

LoansAndLeasesReceivableGrossCarryingAmount

102413000000

USD

CY2011Q4

us-gaap

Loans And Leases Receivable Gross Carrying Amount

LoansAndLeasesReceivableGrossCarryingAmount

114755000000

USD

CY2011Q4

us-gaap

Loans And Leases Receivable Net Reported Amount

LoansAndLeasesReceivableNetReportedAmount

113252000000

USD

CY2010Q4

us-gaap

Loans And Leases Receivable Net Reported Amount

LoansAndLeasesReceivableNetReportedAmount

100540000000

USD

CY2011Q4

us-gaap

Loans Receivable Held For Sale Net

LoansReceivableHeldForSaleNet

8557000000

USD

CY2010Q4

us-gaap

Loans Receivable Held For Sale Net

LoansReceivableHeldForSaleNet

11411000000

USD

CY2011Q4

us-gaap

Long Term Debt

LongTermDebt

92794000000

USD

CY2010Q4

us-gaap

Long Term Debt

LongTermDebt

86612000000

USD

CY2011

us-gaap

Loss Contingency Disclosures

LossContingencyDisclosures

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">31.    Contingencies and Other Risks</font></div><div style="line-height:120%;padding-top:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Concentration with GM </font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The profitability and financial condition of our operations are heavily dependent upon the performance, operations, and prospects of GM. Our preferred provider agreements with GM regarding automotive financing products for their dealers and customers extend through December 2013, unless terminated earlier in accordance with their terms.</font></div><div style="line-height:120%;padding-bottom:4px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The following table presents a summary of transactions with GM having a significant income statement effect.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="69%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Year ended December 31, (</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">$ in millions</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2011</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2010</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2009</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Net financing revenue</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">GM and affiliates lease residual value support - North American Operations (a)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(299</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(82</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">195</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">GM and affiliates lease rate support - North American Operations</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">578</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">674</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">770</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Wholesale subvention and service fees from GM</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">163</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">189</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">215</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest earned on wholesale settlements</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">178</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other revenue</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Insurance premiums earned from GM</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">122</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">155</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">159</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(a)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Represents total amount of residual support and risk sharing (incurred) earned under the residual support and risk-sharing programs.</font></div></td></tr></table><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Mortgage Foreclosure Matters</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Settlements with Federal Government and State Attorneys General</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Agreement</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 9, 2012, Ally Financial Inc., ResCap, and certain other of our mortgage subsidiaries (the Ally Entities) reached an agreement in principle with the federal government, 49 state attorneys general, and 45 state banking departments with respect to investigations into procedures followed by mortgage servicing companies and banks in connection with mortgage origination and servicing activities and foreclosure home sales and evictions (Settlement). The Settlement is expected to be filed as a consent judgment in the U.S. District Court for the District of Columbia. In addition, we separately reached an independent settlement with Oklahoma, which did not participate in the broader settlement described below.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement requires a payment by ResCap of approximately $110 million to a trustee, who will then distribute these funds to federal and state governments. This amount is payable upon the filing of the consent judgment. In addition, the Ally Entities have committed to provide $200 million towards borrower relief. This commitment for borrower relief will include loan modifications, including principal reductions, rate modifications, and refinancing for borrowers that meet certain requirements, and participation in certain other programs. Generally, if certain basic criteria are met, borrowers that are either delinquent or at imminent risk of default and owe more on their mortgages than their homes are worth could be eligible for principal reductions, and borrowers that are current on their mortgages but who owe more on their mortgage than their homes are worth could be eligible for refinancing opportunities.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We currently expect that loans totaling approximately $550 million in outstanding unpaid principal balance will be modified in connection with these programs. This estimate was determined by identifying loans that appear to meet the program eligibility requirements, and applying various assumptions with respect to anticipated modifications. Given that we have limited historical experience upon which to base our assumptions, the actual unpaid principal balance of loans ultimately modified could be significantly different. It is possible that certain of these modified loans will be accounted for as TDRs. Refer to </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Note 1</font><font style="font-family:inherit;font-size:9pt;"> for additional information related to our accounting policy for TDRs.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement provides incentives for borrower relief that is provided within the first twelve months, and all obligations must be met within three years from the date the consent judgment is filed. In addition to the foregoing, the Ally Entities will be required to implement new servicing standards relating to matters such as foreclosure and bankruptcy information and documentation, oversight, loss mitigation, limitations on fees, and related procedural matters. Compliance with these obligations will be overseen by an independent monitor, who will have authority to impose additional penalties and fines if we fail to meet established timelines or fail to implement required servicing standards.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement generally resolves potential claims arising out of origination and servicing activities and foreclosure matters, subject to certain exceptions. The Settlement does not prevent state and federal authorities from pursuing criminal enforcement actions, securities-related claims (including actions related to securitization activities and Mortgage Electronic Registration Systems, or MERS), loan origination claims, certain claims brought by the FDIC and the GSEs, and certain other matters. The Settlement also does not prevent claims that may be brought by individual borrowers.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Settlement is subject to ongoing discussions among the parties and the completion of definitive documentation, as well as required regulatory and court approvals.</font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Federal Reserve Board Civil Money Penalty</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 9, 2012, Ally Financial Inc. and ResCap also agreed with the Federal Reserve Board on a civil money penalty (CMP) of $207 million related to the same activities that were the subject of the Settlement. This amount will be reduced dollar-for-dollar in connection with certain aspects of our satisfaction of the required monetary payment and borrower relief obligations included within the Settlement, as well as our participation in other similar programs approved by the Federal Reserve Board. While additional future cash payments related to the CMP are possible if we are unable to satisfy the borrower relief requirements of the Settlement within two years, we currently expect that the full amount of the CMP will be satisfied through our commitments included within the Settlement.</font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Financial Impact of the Settlement and CMP</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">For the year ended December 31, 2011, we recognized a charge of $230 million related to the matters described above. While we may forego future interest payments received related to modified loans that we may not have otherwise agreed without the Settlement, we do not expect the borrower relief modifications required by the Settlement will have a significant impact on future interest income or key performance metrics, including our net interest margin. Further, we do not expect that our borrower relief commitments overall will have a material adverse impact on our results of operations, financial position, or cash flows.</font></div><div style="line-height:120%;padding-top:10px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Other Mortgage Foreclosure Matters</font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Commonwealth of Massachusetts</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On December 1, 2011, the Commonwealth of Massachusetts filed an enforcement action in the Suffolk County Superior Court against GMAC Mortgage and several other lender/servicers. For further details, refer to Legal Proceedings below. </font></div><div style="line-height:120%;padding-top:2px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Consent Order</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">As a result of an examination conducted by the FRB and FDIC, on April 13, 2011, each of Ally Financial Inc., Ally Bank, Residential Capital, LLC and GMAC Mortgage, LLC (collectively, the Ally Entities) entered into a Consent Order (the Consent Order) with the FRB and the FDIC. The Consent Order requires the Ally Entities to make improvements to various aspects of Ally’s residential mortgage loan-servicing business, including compliance programs, internal audit, communications with borrowers, vendor management, management information systems, employee training, and oversight by the boards of the Ally Entities.</font></div><div style="line-height:120%;padding-bottom:10px;text-align:left;text-indent:30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Consent Order further requires GMAC Mortgage, LLC to retain independent consultants to conduct a risk assessment related to mortgage servicing activities and, separately, to conduct a review of certain past residential mortgage foreclosure actions. We cannot estimate the ultimate impact of any deficiencies that have been or may be identified in our historical foreclosure procedures. There are potential risks related to these matters that extend beyond potential liability on individual foreclosure actions. Specific risks could include, for example, claims and litigation related to foreclosure remediation and resubmission; claims from investors that hold securities that become adversely impacted by continued delays in the foreclosure process; the reduction in foreclosure proceeds due to delay, or by challenges to completed foreclosure sales to the extent, if any, not covered by title insurance obtained in connection with such sales; actions by courts, state attorneys general, or regulators to delay further the foreclosure process after submission of corrected affidavits, or to facilitate claims by borrowers alleging that they were harmed by our foreclosure practices (by, for example, foreclosing without offering an appropriate range of alternative home preservation options); additional regulatory fines, sanctions, and other additional costs; and reputational risks. To date we have borne all out-of-pocket costs associated with the remediation rather than passing any such costs through to investors for whom we service the related mortgages, and we expect that we will continue to do so.</font></div><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Loan Repurchases and Obligations Related to Loan Sales</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Overview</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Certain mortgage companies (Mortgage Companies) within our Mortgage operations sell loans that take the form of securitizations guaranteed by the GSEs, securitizations to private investors, and to whole-loan investors. In connection with a portion of our Mortgage Companies' private-label securitizations, the monolines insured all or some of the related bonds and guaranteed timely repayment of bond principal and interest when the issuer defaults. In connection with securitizations and loan sales, the trustee for the benefit of the related security holders and, if applicable, the related monoline insurer, are provided various representations and warranties related to the loans sold. The specific representations and warranties vary among different transactions and investors but typically relate to, among other things, the ownership of the loan, the validity of the lien securing the loan, the loan's compliance with the criteria for inclusion in the transaction, including compliance with underwriting standards or loan criteria established by the buyer, the ability to deliver required documentation and compliance with applicable laws. In general, the representations and warranties described above may be enforced against the applicable Mortgage Companies at any time unless a sunset provision is in place. Upon discovery of a breach of a representation or warranty, the breach is corrected in a manner conforming to the provisions of the sale agreement. This may require the applicable Mortgage Companies to repurchase the loan, indemnify the investor for incurred losses, or otherwise make the investor whole. We have entered into settlement agreements with both Fannie Mae and Freddie Mac that, subject to certain exclusions, limit our remaining exposure with the GSEs. See Government-sponsored Enterprises below. ResCap assumes all of the customary mortgage representation and warranty obligations for loans purchased from Ally Bank and subsequently sold into the secondary market, generally through securitizations guaranteed by the GSEs. In the event ResCap fails to meet these obligations, Ally Financial Inc. has provided Ally Bank a guaranteed coverage of certain of these liabilities.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Originations</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The total exposure of the applicable Mortgage Companies to mortgage representation and warranty claims is most significant for loans originated and sold between 2004 through 2008, specifically the 2006 and 2007 vintages that were originated and sold prior to enhanced underwriting standards and risk-mitigation actions implemented in 2008 and forward. Since 2009, we have focused primarily on originating domestic prime conforming and government-insured mortgages. In addition, we ceased offering interest-only jumbo mortgages in 2010. Representation and warranty risk-mitigation strategies include, but are not limited to, pursuing settlements with investors where economically beneficial in order to resolve a pipeline of demands in lieu of loan-by-loan assessments that could result in repurchasing loans, aggressively contesting claims we do not consider valid (rescinding claims), or seeking recourse against correspondent lenders from whom we purchased loans wherever appropriate.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Repurchase Process</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">After receiving a claim under representation and warranty obligations, the applicable Mortgage Companies will review the claim to determine the appropriate response (e.g. appeal and provide or request additional information) and take appropriate action (rescind, repurchase the loan, or remit indemnification payment). Historically, repurchase demands were generally related to loans that became delinquent within the first few years following origination. As a result of market developments over the past several years, investor repurchase demand behavior has changed significantly. GSEs and investors are more likely to submit claims for loans at any point in their life cycle, including requests for loans that become delinquent or loans that incur a loss. Investors are more likely to submit claims for loans that become delinquent at any time while a loan is outstanding or when a loan incurs a loss. Representation and warranty claims are generally reviewed on a loan-by-loan basis to validate if there has been a breach requiring a potential repurchase or indemnification payment. The applicable Mortgage Companies actively contest claims to the extent they are not considered valid. The applicable Mortgage Companies are not required to repurchase a loan or provide an indemnification payment where claims are not valid.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The risk of repurchase or indemnification and the associated credit exposure is managed through underwriting and quality assurance practices and by servicing mortgage loans to meet investor standards. We believe that, in general, the longer a loan performs prior to default the less likely it is that an alleged breach of representation and warranty will be found to have a material and adverse impact on the loan's performance. When loans are repurchased, the applicable Mortgage Companies bear the related credit loss on the loans. Repurchased loans are classified as held-for-sale and initially recorded at fair value.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The following table presents the total number and original unpaid principal balance of loans related to unresolved representation and warranty demands (indemnification claims or repurchase demands). The table includes demands that we have requested be rescinded but which have not been agreed to by the investor.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="53%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="3%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2011</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2010</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">December 31, (</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">$ in millions</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Number</font></div><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Dollar </font></div><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">amount</font></div><div style="font-size:9pt;font-weight:bold;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Number</font></div><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Dollar </font></div><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">amount</font></div><div style="font-size:9pt;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">of loans</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">GSEs</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">357</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">71</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">833</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">170</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a) </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Monolines</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;text-indent:12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">MBIA</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">7,314</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">490</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,819</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">466</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;text-indent:12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FGIC</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">4,608</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">369</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,109</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">164</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;text-indent:12px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">730</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">58</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">278</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Whole-loan/other</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">513</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">81</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">392</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">88</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total number of loans and unpaid principal balance (b)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">13,522</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">1,069</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,431</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">919</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  </font></div></td></tr></table></div><font style="font-family:inherit;font-size:8pt;"> </font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(a)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Times New Roman;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">This amount is gross of any loans that would be removed due to the Fannie Mae settlement. At</font><font style="font-family:inherit;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">December 31, 2010</font><font style="font-family:inherit;font-size:8pt;">, </font><font style="font-family:inherit;font-size:8pt;color:#000000;text-decoration:none;">$48 million</font><font style="font-family:inherit;font-size:8pt;"> </font><font style="font-family:inherit;font-size:8pt;color:#000000;text-decoration:none;">of outstanding claims were covered under the Fannie Mae settlement agreement.</font><font style="font-family:inherit;font-size:8pt;"><br clear="none"/></font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(b)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;color:#000000;text-decoration:none;">Excludes certain populations where counterparties have requested additional documentation.</font><font style="font-family:inherit;font-size:8pt;"><br clear="none"/></font></div></td></tr></table><div style="line-height:120%;padding-bottom:10px;padding-top:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">We are currently in litigation with MBIA Insurance Corporation (MBIA) and Financial Guaranty Insurance Company (FGIC) with respect to certain of their private-label securitizations. Historically we have requested that most of the repurchase demands presented to us by both MBIA and FGIC be rescinded, consistent with the repurchase process described above. As the litigation process proceeds, additional loan reviews are expected and will likely result in additional repurchase demands.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Representation and Warranty Obligation Reserve Methodology</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">The liability for representation and warranty obligations reflects management's best estimate of probable lifetime losses at the applicable Mortgage Companies. We consider historical and recent demand trends in establishing the reserve. The methodology used to estimate the reserve considers a variety of assumptions including borrower performance (both actual and estimated future defaults), repurchase demand behavior, historical loan defect experience, historical mortgage insurance rescission experience, and historical and estimated future loss experience, which includes projections of future home price changes as well as other qualitative factors including investor behavior. In cases where we do not have or have limited current or historical demand experience with an investor, it is difficult to predict and estimate the level and timing of any potential future demands. In such cases, we may not be able to reasonably estimate losses, and a liability is not recognized. Management monitors the adequacy of the overall reserve and makes adjustments to the level of reserve, as necessary, after consideration of other qualitative factors including ongoing dialogue and experience with counterparties.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">At the time a loan is sold, an estimate of the fair value of the liability is recorded and classified in accrued expenses and other liabilities on our Consolidated Balance Sheet and recorded as a component of gain (loss) on mortgage and automotive loans, net, in our Consolidated Statement of Income. We recognize changes in the liability when additional relevant information becomes available. Changes in the liability are recorded as other operating expenses in our Consolidated Statement of Income. The repurchase reserve at</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">relates primarily to non-GSE exposure.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The following tables summarize the changes in our reserve for representation and warranty obligations.</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="81%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">$ in millions</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2011</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2010</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Balance at January 1,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">830</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,263</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Provision for mortgage representation and warranty expenses</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loan sales</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">19</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Change in estimate — continuing operations</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">324</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">670</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total additions</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">343</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">740</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Resolved claims (a)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(360</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,185</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">12</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Balance at December 31,</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">825</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">830</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:inherit;font-size:8pt;">(a)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Includes principal losses and accrued interest on repurchased loans, indemnification payments, and settlements with counterparties.</font></div></td></tr></table><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Government-sponsored Enterprises</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Between 2004 and 2008, the applicable Mortgage Companies sold</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$250.8 billion</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of loans to the GSEs. Each GSE has specific guidelines and criteria for sellers and servicers of loans underlying their securities. In addition, the risk of credit loss of the loan sold was generally transferred to investors upon sale of the securities into the secondary market. Conventional conforming loans were sold to either Freddie Mac or Fannie Mae, and government-insured loans were securitized with Ginnie Mae. For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the applicable Mortgage Companies received repurchase claims relating to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$441 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance of which</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$285 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">are associated with the 2004 through 2008 vintages. The remaining</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$156 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">in repurchase claims relate to post-2008 vintages. During the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the applicable Mortgage Companies resolved claims with respect to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$540 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance, including settlement, repurchase, or indemnification payments related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$349 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance, and rescinded claims related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$191 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance. The applicable Mortgage Companies' representation and warranty obligation liability with respect to the GSEs considers the existing unresolved claims and the best estimate of future claims that could be received. The Mortgage Companies consider their experience with the GSE in evaluating its liability. During 2010, we reached agreements with Freddie Mac and Fannie Mae that, subject to certain exclusions, limits the remaining exposure of the applicable Mortgage Companies to each counterparty.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">In March 2010, certain of our Mortgage Companies entered into an agreement with Freddie Mac under which we made a one-time payment to Freddie Mac for the release of repurchase obligations relating to most of the mortgage loans sold to Freddie Mac prior to January 1, 2009. This agreement does not release obligations of the applicable Mortgage Companies with respect to exposure for private-label</font><font style="font-family:inherit;font-size:9pt;"> MBS </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">in which Freddie Mac had previously invested, loans where Ally Bank is the owner of the servicing, as well as defects in certain other specified categories of loans. Further, the applicable Mortgage Companies continue to be responsible for other contractual obligations we have with Freddie Mac, including all indemnification obligations that may arise in connection with the servicing of the mortgages. The total original unpaid principal balance of loans originated prior to January 1, 2009 and where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$10.9 billion</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses taken on loans repurchased relating to defects where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$31 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">and </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses taken on loans that we have repurchased relating to defects in the other specified categories was </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$15 million</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">These other specified categories include (i) loans subject to certain state predatory lending and similar laws; (ii) groups of 25 or more mortgage loans purchased, originated, or serviced by one of our mortgage subsidiaries, the purchase, origination, or sale of which all involve a common actor who committed fraud; (iii) “non-loan-level” representations and warranties which refer to representations and warranties that do not relate to specific mortgage loans (examples of such non-loan-level representations and warranties include the requirement that our mortgage subsidiaries meet certain standards to be eligible to sell or service loans for Freddie Mac or our mortgage subsidiaries sold or serviced loans for market participants that were not acceptable to Freddie Mac); and (iv) mortgage loans that are ineligible for purchase by Freddie Mac under its charter and other applicable documents. If, however, a mortgage loan was ineligible under Freddie Mac's charter solely because mortgage insurance was rescinded (rather than for example, because the mortgage loan is secured by a commercial property), and Freddie Mac required our mortgage subsidiary to repurchase that loan because of the ineligibility, Freddie Mac would pay our mortgage subsidiary any net loss we suffered on any later liquidation of that mortgage loan.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Certain of our Mortgage Companies received subpoenas in July 2010 from the Federal Housing Finance Agency (FHFA), which is the conservator of Fannie Mae and Freddie Mac. The subpoenas relating to Fannie Mae investments have been withdrawn with prejudice. The FHFA indicated that documents provided in response to the remaining subpoenas will enable the FHFA to determine whether they believe issuers of private-label MBS are potentially liable to Freddie Mac for losses they might have incurred. Although Freddie Mac has not brought any representation and warranty claims against us with respect to private-label securities subsequent to the settlement, they may well do so in the future. The FHFA has commenced securities and related common law fraud litigation against Ally and certain of our Mortgage Companies with respect to certain of Freddie Mac's private-label securities investments. Refer to the Legal Proceedings described</font><font style="font-family:inherit;font-size:9pt;"> below </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">for additional information.</font><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">On December 23, 2010, certain of our mortgage subsidiaries entered into an agreement with Fannie Mae under which we made a one-time payment to Fannie Mae for the release of repurchase obligations related to most of the mortgage loans we sold to Fannie Mae prior to June 30, 2010. The agreement also covers potential exposure for private-label MBS in which Fannie Mae had previously invested. This agreement does not release the obligations of the applicable Mortgage Companies with respect to loans where Ally Bank is the owner of the servicing, as well as for defects in certain other specified categories of loans. Further, the applicable Mortgage Companies continue to be responsible for other contractual obligations they have with Fannie Mae, including all indemnification obligations that may arise in connection with the servicing of the mortgages, and the applicable Mortgage Companies continue to be obligated to indemnify Fannie Mae for litigation or third party claims (including by borrowers) for matters that may amount to breaches of selling representations and warranties. The total original unpaid principal balance of loans originated prior to January 1, 2009 and where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$24.4 billion</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses we have taken on loans that we have repurchased relating to defects where Ally Bank was the owner of the servicing was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$66 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">and </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the amount of losses we have taken on loans that we have repurchased relating to defects in the other specified categories of loans was</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$13 million</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">These other specified categories include, among others, (i) those that violate anti-predatory laws or statutes or related regulations or that otherwise violate other applicable laws and regulations; (ii) those that have non-curable defects in title to the secured property, or that have curable title defects, to the extent our mortgage subsidiaries do not cure such defects at our subsidiary's expense; (iii) any mortgage loan in which title or ownership of the mortgage loan was defective; (iv) groups of 13 or more mortgage loans, the purchase, origination, sale, or servicing of which all involve a common actor who committed fraud; and (v) mortgage loans not in compliance with Fannie Mae Charter Act requirements (e.g., mortgage loans on commercial properties or mortgage loans without required mortgage insurance coverage). If a mortgage loan falls out of compliance with Fannie Mae Charter Act requirements because mortgage insurance coverage has been rescinded and not reinstated or replaced, upon the borrower's default our mortgage subsidiaries would have to pay to Fannie Mae the amount of insurance proceeds that would have been paid by the mortgage insurer with respect to such mortgage loan. If the amount of the loss exceeded the amount of insurance proceeds, Fannie Mae would be responsible for such excess.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Monoline Insurers</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Historically, the applicable Mortgage Companies securitized loans where the monolines insured all or some of the related bonds and guaranteed the timely repayment of bond principal and interest when the issuer defaults. Typically, any alleged breach requires the insurer to have both the ability to assert a claim as well as evidence that a defect has had a material and adverse effect on the interest of the security holders or the insurer. For the period 2004 through 2007, the Mortgage Companies sold</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$42.7 billion</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of loans into these monoline-wrapped securitizations. During the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the Mortgage Companies received repurchase claims related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$265 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance from the monolines associated with the 2004 through 2007 securitizations. The Mortgage Companies have resolved repurchase demands through indemnification payments related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$20 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">We are currently in litigation with MBIA and FGIC, and additional litigation with other monolines is likely.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Private-label Securitization</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">In general, representations and warranties provided as part of our securitization activities are less rigorous than those provided to the GSEs and generally impose higher burdens on parties seeking repurchase. In order to successfully assert a claim, it is our position that a claimant must prove a breach of the representations and warranties that materially and adversely affects the interest of the investor in the allegedly defective loan. Securitization documents typically provide the investors with a right to request that the trustee investigate and initiate a repurchase claim. However, a class of investors generally is required to coordinate with other investors in that class comprising not less than 25%, and in some cases, 50%, of the percentage interest constituting a class of securities of that class issued by the trust to pursue claims for breach of representations and warranties. In addition, our private-label securitizations generally require that the servicer or trustee give notice to the other parties whenever it becomes aware of facts or circumstances that reveal a breach of representation that materially and adversely affects the interest of the certificate holders.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Regarding our securitization activities, certain of our Mortgage Companies have exposure to potential losses primarily through two avenues. First, investors, through trustees to the extent required by the applicable agreements (or monoline insurers in certain transactions), may request pursuant to applicable agreements that the applicable Mortgage Company repurchase loans or make the investor whole for losses incurred if it is determined that the applicable Mortgage Company violated representations and warranties made at the time of the sale, provided that such violations materially and adversely impacted the interests of the investor. Contractual representations and warranties are different based on the specific deal structure and investor. It is our position that litigation of these matters must proceed on a loan by loan basis. This issue is being disputed throughout the industry in various pending litigation matters. Similarly in dispute, as a matter of law, is the degree to which claimants will have to prove that the alleged breaches of representations and warranties actually caused the losses they claim to have suffered. Ultimate resolution by courts of these and other legal issues will impact litigation and treatment of non-litigated claims pursuant to similar contractual provisions. Second, investors in securitizations may attempt to achieve rescission of their investments or damages through litigation by claiming that the applicable offering documents were materially deficient. If an investor properly made and proved its allegations, the investor might attempt to claim that damages could include loss of market value on the investment even if there were little or no credit loss in the underlying loans.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Whole-loan Sales</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">In addition to the settlements with the GSEs noted earlier, certain of our Mortgage Companies have settled with whole-loan investors concerning alleged breaches of underwriting standards. For the year ended</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">certain of our Mortgage Companies have received</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$84 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance in repurchase claims of which</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$83 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">are associated with the 2004 through 2008 vintages of loans sold to whole-loan investors. Certain of our Mortgage Companies resolved claims related to</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$91 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">of original unpaid principal balance, including settlements, repurchases, indemnification payments</font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">, and rescinded claims.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Private Mortgage Insurance</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">Mortgage insurance is required for certain consumer mortgage loans sold to the GSEs and certain securitization trusts and may have been in place for consumer mortgage loans sold to whole-loan investors. Mortgage insurance is typically required for first-lien consumer mortgage loans having a loan-to-value ratio at origination of greater than 80 percent. Mortgage insurers are, in certain circumstances, permitted to rescind existing mortgage insurance that covers consumer loans if they demonstrate certain loan underwriting requirements have not been met. Upon receipt of a rescission notice, the applicable Mortgage Companies will assess the notice and, if appropriate, refute the notice, or if the notice cannot be refuted, the applicable Mortgage Companies attempt to remedy the defect. In the event the mortgage insurance cannot be reinstated, the applicable Mortgage Companies may be obligated to repurchase the loan or provide an indemnification payment in the event of a loss, subject to contractual limitations. While the applicable Mortgage Companies make every effort to reinstate the mortgage insurance, they have had limited success and as a result, most of these requests result in rescission of the mortgage insurance. At</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">December 31, 2011</font><font style="font-family:inherit;font-size:9pt;">, </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">the applicable Mortgage Companies have approximately</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">$227 million</font><font style="font-family:inherit;font-size:9pt;"> </font><font style="font-family:inherit;font-size:9pt;color:#000000;text-decoration:none;">in original unpaid principal balance of outstanding mortgage insurance rescission notices where we have not received a repurchase demand. However, this unpaid principal amount is not representative of expected future losses.</font><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Legal Proceedings</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We are subject to potential liability under various governmental proceedings, claims, and legal actions that are pending or otherwise asserted against us. We are named as defendants in a number of legal actions, and we are occasionally involved in governmental proceedings arising in connection with our respective businesses. Some of the pending actions purport to be class actions, 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.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage-backed Securities Litigation</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Private-label Securities Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ally and certain of its subsidiaries have been named as defendants in several cases relating to their various roles in MBS offerings. The plaintiffs generally allege that the various defendants made misstatements and omissions in registration statements, prospectuses, prospectus supplements, and other documents related to MBS offerings. The alleged misstatements and omissions typically concern underwriting standards. Plaintiffs generally claim that such misstatements and omissions constitute violations of state and/or federal securities law and common law including negligent misrepresentation and fraud. Plaintiffs seek monetary damages and rescission. Set forth below are descriptions of certain of these legal proceedings.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Allstate Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 14, 2011, the Allstate Insurance Company and various of its subsidiaries and affiliates (collectively, Allstate) filed a complaint in Hennepin County District Court, Minnesota, against GMAC Mortgage LLC (GMAC Mortgage); Residential Funding Company LLC (RFC); Residential Funding Securities LLC (RFS); Residential Accredit Loans, Inc. (RALI); Residential Asset Mortgage Products, Inc. (RAMP); Residential Funding Mortgage Securities I, Inc. (RFMSI); Residential Funding Mortgage Securities II, Inc. (RFMSII); and Residential Asset Securities Corporation (RASC). The complaint alleges that the defendants misrepresented the riskiness and credit quality of, and omitted material information related to, residential MBS Allstate purchased in the offering materials. The complaint asserts claims for fraud and negligent misrepresentation and seeks money damages and costs, including attorneys' fees. Discovery in this case is underway.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Charles Schwab Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Charles Schwab Corporation (Schwab) filed a complaint in San Francisco County Superior Court against RALI, and RAMP, on August 2, 2010. The complaint alleges that the defendants made false representations and omissions of material facts in the offering documents for various securitization trusts backed by residential mortgage loans and seeks rescission and money damages for negligent misrepresentation and violations of state and federal securities laws. The case is entering the discovery phase.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">DZ Bank</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">DZ Bank and DG Holding Trust filed a Summons with Notice on December 13, 2011, in New York County Supreme Court directed at Ally, and numerous of its mortgage subsidiaries, on December 13, 2011, in New York County Supreme Court against numerous defendants including Ally; Residential Capital Corporation (RCC); GMAC-RFC Holding Company LLC (GMAC-RFC); RFC; Ally Securities LLC (Ally Securities); RAMP; RASC; and RALI. The Summons alleges that the offering materials issued by the defendants for MBS they purchased contained material misrepresentations and omissions related to the originator's underwriting guidelines and the credit quality and characteristics of the mortgage loans underlying the securities. It also notices the defendants of the plaintiffs' claims for damages. Such claims include common law fraud, fraudulent inducement, negligent misrepresentation, and aiding and abetting fraud. The Summons has not been served.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">FHFA Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHFA, as conservator for Freddie Mac, filed a complaint on September 2, 2011, against Ally; GMAC Mortgage Group, Inc. (GMAC Mortgage Group); Residential Capital LLC (ResCap); GMAC-RFC; RFC; Ally Securities; RAMP; RASC; and RALI, in New York County Supreme Court. The complaint alleges that Freddie Mac purchased over $6 billion of residential MBS issued in connection with 21 securitizations sponsored and/or underwritten by the defendants. It further alleges that the registration statements, prospectuses, and other offering materials associated with these transactions contained false and misleading statements and omissions of material facts. The complaint asserts claims for negligent misrepresentation, fraud, and violations of state and federal securities laws, and seeks rescission and recovery of the consideration Freddie Mac paid for the securities, as well as other compensatory and punitive damages. The FHFA has moved to remand this case to state court. That motion is still pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">FHLB Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal Home Loan Bank (FHLB) of Indianapolis filed an Amended Complaint in Marion County Superior Court for rescission and damages on July 14, 2011, asserting claims for common law negligence and violations of state and federal securities laws, and names RFS, RFMSI, and GMAC Mortgage Group, among other defendants. The complaint alleges that the offering documents for the securities underwritten and issued by the defendants contained material misrepresentations of fact, evidenced by high default and foreclosure rates, and seeks unspecified damages and an order voiding the transactions at issue. The defendants' motion to dismiss is pending.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB of Boston filed a complaint on April 20, 2011, in Suffolk County Superior Court, naming numerous defendants including Ally; GMAC Mortgage Group; RALI; and RFC. The complaint alleges that the defendants collectively packaged, marketed, offered, and sold private-label MBS, and FHLB of Boston purchased such securities in reliance upon misstatements and omissions of material facts in the offering documents. The complaint seeks rescission and damages for negligent misrepresentation and violations of the Massachusetts Uniform Securities Act, among other claims. The defendants removed this case to federal court, and FHLB of Boston's motion to remand is pending.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Finally, FHLB of Chicago filed a Corrected Amended Complaint for Rescission and Damages on October 15, 2011, in Cook County Circuit Court, which names, among other defendants, Ally; GMAC Mortgage Group; RFC; RFS; RAMP; RASC; and RFMSI. The complaint alleges that the offering documents for the securities underwritten and issued by defendants contained material misrepresentations of fact and asserts claims for violations of state securities law and negligent misrepresentation. The complaint seeks rescission of the transactions at issue and damages in an amount to be determined at trial. The defendants' motion to dismiss is pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Huntington Bancshares Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Huntington Bancshares, Inc. (Huntington), commenced a lawsuit on October 11, 2011, against Ally; GMAC Mortgage; RALI; ResCap; GMAC-RFC; RFC; Ally Securities; and several individuals. The complaint alleges that the defendants made misrepresentations and omissions of material facts related to the originator's loan underwriting guidelines in the offering materials for five residential mortgaged-backed securities.  The complaint asserts claims for fraud, aiding and abetting fraud, negligent misrepresentation, and violation of the Minnesota Securities Act and seeks rescission, money damages, and costs. The defendants' motion to dismiss is pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Massachusetts Mutual Life Insurance Company Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On February 9, 2011, the Massachusetts Mutual Life Insurance Company (MassMutual) filed a complaint in the United States District Court for the District of Massachusetts against numerous defendants including RFC; RALI; RAMP; RASC; and RFS. The complaint alleges that the defendants' public filings and offering documents associated with MBS MassMutual purchased contained false statements and omissions of material facts. MassMutual asserts claims for violations of the Massachusetts Uniform Securities Act and seeks both compensatory and statutory damages. The defendants' motion to dismiss was granted in February 2012, subject to certain additional provisions, which could result in certain of the original counts being reinstated against certain Ally entities.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">NCUAB Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On August 9, 2011, the National Credit Union Administration Board (NCUAB) filed a complaint as liquidating agent of U.S. Central Federal Credit Union (U.S. Central) and Western Corporate Federal Credit Union (WesCorp) against Goldman, Sachs & Co. as underwriter and seller, and Fremont Mortgage Securities Corp., GS Mortgage Securities Corp., Long Beach Securities Corp., and RALI, as issuers, of certain residential MBS purchased by U.S. Central and WesCorp. Previously, on June 20, 2011, the NCUAB filed a complaint as liquidating agent of U.S. Central Federal Credit Union (U.S. Central) against numerous defendants including RFMSII. The complaints assert claims under the California securities laws and Sections 11 and 12 of the Securities Act of 1933, alleging the offering documents associated with the underlying transactions contained untrue statements and omissions of material facts, and seek money damages and costs. The defendants have moved to dismiss both complaints, and those motions are pending. </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">New Jersey Carpenters Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On January 3, 2011, New Jersey Carpenters Health Fund, New Jersey Carpenters Vacation Fund, and Boilermaker Blacksmith National Pension Trust, on behalf of themselves and a putative class (collectively, New Jersey Carpenters), filed a Consolidated Second Amended Securities Class Action Complaint against numerous defendants including ResCap; Residential Funding LLC, RALI; and Residential Funding Securities Corporation d/b/a GMAC RFC Securities. The complaint alleges that the plaintiffs and the class purchased MBS between June 28, 2006, and May 30, 2007, and asserts that the offering documents associated with these transactions contained misrepresentations and omitted material information in violation of Sections 11, 12, and 15 of the Securities Act of 1933. The complaint seeks compensatory damages, rescission or a rescissory measure of damages, and attorneys' fees and costs, among other relief. New Jersey Carpenters moved for class certification. The court denied the plaintiffs' motion, and an appeal from that decision is pending.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Private-label Monoline Bond Insurer Claims</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">MBIA Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">MBIA Insurance Corporation (MBIA) filed complaints on December 4, 2008, and April 1, 2010, in the New York County Supreme Court, entitled MBIA Insurance Corporation v. RFC, and MBIA Insurance Corporation v. GMAC Mortgage, respectively. The complaints allege that defendants breached their contractual representations and warranties relating to the characteristics of mortgage loans contained in certain insured MBS offerings. The complaints further allege that defendants failed to follow specific remedy procedures set forth in the contracts and improperly serviced the mortgage loans. Along with claims for breach of contract, MBIA also alleges fraud. MBIA seeks, among other remedies, repurchase of certain loans, payments on current and future claims under the relevant policies, indemnification for attorneys' fees and costs, and punitive damages. Both cases are in fact discovery.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">FGIC Litigation</font></div><div style="line-height:120%;padding-bottom:10px;padding-top:2px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FGIC filed three complaints on November 29, 2011, against several of Ally's mortgage subsidiaries in New York County Supreme Court. In two of these cases, both entitled Financial Guaranty Insurance Company v. RFC, et al., FGIC alleges that defendants RFC and ResCap breached their contractual representations and warranties relating to the characteristics of the mortgage loans contained in certain insured MBS offerings. FGIC further alleges that the defendants breached their contractual obligations to permit access to loan files and certain books and records.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">In the third case, entitled Financial Guaranty Insurance Company v. GMAC Mortgage, et al., FGIC makes similar contract allegations against GMAC Mortgage and ResCap, as well as a claim against GMAC Mortgage for fraudulent inducement. In addition, FGIC alleges aiding and abetting fraudulent inducement against Ally Bank, which originated a large portion of the loans in the disputed pool, and breach of the custodial agreement for failing to notify FGIC of the claimed breaches of representations and warranties. In each of these cases, FGIC seeks, among other relief, reimbursement of all sums it paid under the various policies and an award of legal, rescissory, equitable, and punitive damages.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On December 15, 2011, FGIC filed a fourth complaint in New York County Supreme Court related to insurance policies issued in connection with an RFC-sponsored transaction. This complaint, entitled Financial Guaranty Insurance Company v. Ally, et al., names Ally, RFC, and ResCap, and seeks various forms of declaratory and monetary relief. The complaint alleges that the defendants are alter egos of one another, fraudulently induced FGIC's agreement to provide insurance by misrepresenting the nature of RFC's business practices and the credit quality and characteristics of the underlying loans, and have now materially breached their agreement with FGIC by refusing its requests for information and documents.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Finally, on December 27, 2011, FGIC filed three additional complaints in New York County Supreme Court against Ally, RFC, and ResCap. These complaints seek relief nearly identical to that of FGIC's previously filed cases and contain substantially similar allegations. In particular, FGIC alleges that the defendants, acting as alter egos of each other, fraudulently induced FGIC to enter into seven separate insurance and indemnity agreements and breached their contractual obligations under same.</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The defendants removed these cases to the U.S. District Court for the Southern District of New York. </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Other Matters</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Kessler Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Several putative class actions filed in 2001-2003, all alleging that originators Community Bank of Northern Virginia and Guaranty National Bank of Tallahassee charged certain interest rates and fees in violation of the applicable Secondary Mortgage Loan Act, were consolidated for settlement purposes in the U.S. District Court for the Western District of Pennsylvania. On September 22, 2010, the Third Circuit Court of Appeals vacated an order approving the settlement and remanded the case to the trial court for further proceedings. On October 10, 2011, plaintiffs filed a joint consolidated amended class action complaint against, among others, RFC alleging violations of the Real Estate Settlement Procedures Act; the Truth in Lending Act, as amended by the Home Ownership and Equity Protection Act; and the Racketeer Influenced and Corrupt Organizations Act. RFC's motion to dismiss is outstanding, and we intend to vigorously defend against these claims.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Mitchell Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">In this statewide class action, plaintiffs alleged that Mortgage Capital Resources, Inc. (MCR) violated the Missouri Second Mortgage Loan Act by charging Missouri borrowers fees and interest not permitted by the Act. RFC and Homecomings Financial LLC (HFN), among others, were named as defendants in their role as assignees of certain of the MCR loans. Following a trial concluded in January 2008, the jury returned verdicts against all defendants, including an award against RFC and HFN for $4 million in compensatory damages (plus pre- and post-judgment interest and attorneys' fees) and against RFC for $92 million in punitive damages. In a November 2010 decision, the Missouri Court of Appeals affirmed the compensatory damages but ordered a new trial on punitive damages. Upon remand, we paid $13 million in compensatory damages (including interest and attorneys' fees). Trial on punitive damages against RFC and the other non-company defendants is set to begin on March 5, 2012. We intend to vigorously defend against these claims.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Commonwealth of Massachusetts</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">On December 1, 2011, the Commonwealth of Massachusetts filed an enforcement action in the Suffolk County Superior Court against GMAC Mortgage and several other lender/servicers. The Commonwealth claims that certain aspects of defendants' foreclosure processes are unlawful, that defendants do not always process loan modifications accurately, and that defendants' use of the Mortgage Electronic Registration Systems (MERS) has damaged the integrity of the Commonwealth's Torrens recording system. The Commonwealth seeks civil penalties, injunctive relief, costs, and attorneys' fees. In connection with the settlement with the federal government and state attorneys general announced on February 9, 2012, the Commonwealth of Massachusetts agreed to settle all servicing-related claims asserted in this action and to certain limits on monetary damages, if any. However, the Commonwealth of Massachusetts continues to pursue claims related to MERS and certain foreclosure-related matters.</font></div><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Potential Losses - Litigation, Repurchase Obligations, and Related Claims</font></div><div style="line-height:120%;padding-top:2px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Litigation</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">As described under Legal Proceedings above, Ally and certain of its subsidiaries have been named as defendants in several cases relating to their various roles in MBS offerings.</font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Private-label Securitizations — Other Potential Repurchase Obligations</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">When our Mortgage Companies sell mortgage loans through whole-loan sales or securitizations, these entities are required to make customary representations and warranties about the loans to the purchaser and/or securitization trust. These representations and warranties relate to, among other things, the ownership of the loan, the validity of the lien securing the loan, the loan's compliance with the criteria for inclusion in the transaction, including compliance with underwriting standards or loan criteria established by the buyer, ability to deliver required documentation, and compliance with applicable laws. Generally, the representations and warranties described above may be enforced against the applicable Mortgage Companies at any time over the life of the loan. Breaches of these representations and warranties have resulted in a requirement that the applicable Mortgage Companies repurchase mortgage loans. As the mortgage industry continues to experience higher repurchase requirements and additional investors begin to attempt to put back loans, a significant increase in activity beyond that experienced today could occur, resulting in additional future losses at our Mortgage Companies.</font></div><div style="line-height:120%;padding-top:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Potential Losses</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We believe it is reasonably possible that losses beyond amounts currently reserved for the litigation matters and potential repurchase obligations and related claims described above with respect to our Mortgage Companies could occur, and such losses could have a material adverse impact on our results of operations, financial position, or cash flows. However, based on currently available information, we are unable to estimate a range of reasonably possible losses above reserves that have been established.</font></div><div style="line-height:120%;padding-top:10px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Other Contingencies</font></div><div style="line-height:120%;padding-bottom:10px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">We are subject to potential liability under various other exposures including tax, nonrecourse loans, self-insurance, and other miscellaneous contingencies. We establish reserves for these contingencies when the item becomes probable and the costs can be reasonably estimated. The actual costs of resolving these items may be substantially higher or lower than the amounts reserved for any one item. Based on information currently available, it is the opinion of management that the eventual outcome of these items will not have a material adverse impact on our results of operations, financial position, or cash flows.</font></div></div>

CY2010

us-gaap

Net Cash Provided By Used In Financing Activities

NetCashProvidedByUsedInFinancingActivities

-7985000000

USD

CY2011

us-gaap

Net Cash Provided By Used In Financing Activities

NetCashProvidedByUsedInFinancingActivities

10050000000

USD

CY2009

us-gaap

Net Cash Provided By Used In Financing Activities

NetCashProvidedByUsedInFinancingActivities

-10980000000

USD

CY2009

us-gaap

Net Cash Provided By Used In Investing Activities

NetCashProvidedByUsedInInvestingActivities

17128000000

USD

CY2010

us-gaap

Net Cash Provided By Used In Investing Activities

NetCashProvidedByUsedInInvestingActivities

-7567000000

USD

CY2011

us-gaap

Net Cash Provided By Used In Investing Activities

NetCashProvidedByUsedInInvestingActivities

-14128000000

USD

CY2011

us-gaap

Net Cash Provided By Used In Operating Activities

NetCashProvidedByUsedInOperatingActivities

5493000000

USD

CY2009

us-gaap

Net Cash Provided By Used In Operating Activities

NetCashProvidedByUsedInOperatingActivities

-5132000000

USD

CY2010

us-gaap

Net Cash Provided By Used In Operating Activities

NetCashProvidedByUsedInOperatingActivities

11607000000

USD

CY2011

us-gaap

Net Income Loss

NetIncomeLoss

-157000000

USD

CY2010

us-gaap

Net Income Loss

NetIncomeLoss

1075000000

USD

CY2009

us-gaap

Net Income Loss

NetIncomeLoss

-10298000000

USD

us-gaap

Net Income Loss

NetIncomeLoss

-4578000000

USD

us-gaap

Net Income Loss

NetIncomeLoss

-5720000000

USD

CY2009

us-gaap

Net Income Loss Available To Common Stockholders Basic

NetIncomeLossAvailableToCommonStockholdersBasic

-11523000000

USD

CY2011

us-gaap

Net Income Loss Available To Common Stockholders Basic

NetIncomeLossAvailableToCommonStockholdersBasic

-919000000

USD

CY2010

us-gaap

Net Income Loss Available To Common Stockholders Basic

NetIncomeLossAvailableToCommonStockholdersBasic

-786000000

USD

CY2010

us-gaap

New Accounting Pronouncement Or Change In Accounting Principle Cumulative Effect Of Change On Equity Or Net Assets

NewAccountingPronouncementOrChangeInAccountingPrincipleCumulativeEffectOfChangeOnEquityOrNetAssets

-53000000

USD

CY2011Q4

us-gaap

Noninterest Bearing Deposit Liabilities

NoninterestBearingDepositLiabilities

2029000000

USD

CY2010Q4

us-gaap

Noninterest Bearing Deposit Liabilities

NoninterestBearingDepositLiabilities

2131000000

USD

CY2010

us-gaap

Noninterest Expense

NoninterestExpense

6061000000

USD

CY2011

us-gaap

Noninterest Expense

NoninterestExpense

5785000000

USD

CY2009

us-gaap

Noninterest Expense

NoninterestExpense

7508000000

USD

CY2009

us-gaap

Noninterest Income Other

NoninterestIncomeOther

4040000000

USD

CY2011

us-gaap

Noninterest Income Other

NoninterestIncomeOther

3596000000

USD

CY2010

us-gaap

Noninterest Income Other

NoninterestIncomeOther

5028000000

USD

CY2010

us-gaap

Noninterest Income Other Operating Income

NoninterestIncomeOtherOperatingIncome

537000000

USD

CY2011

us-gaap

Noninterest Income Other Operating Income

NoninterestIncomeOtherOperatingIncome

754000000

USD

CY2009

us-gaap

Noninterest Income Other Operating Income

NoninterestIncomeOtherOperatingIncome

190000000

USD

CY2009

us-gaap

Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease

OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease

3519000000

USD

CY2010

us-gaap

Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease

OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease

1903000000

USD

CY2011

us-gaap

Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease

OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease

1038000000

USD

CY2010

us-gaap

Operating Leases Income Statement Lease Revenue

OperatingLeasesIncomeStatementLeaseRevenue

3596000000

USD

CY2011

us-gaap

Operating Leases Income Statement Lease Revenue

OperatingLeasesIncomeStatementLeaseRevenue

2298000000

USD

CY2009

us-gaap

Operating Leases Income Statement Lease Revenue

OperatingLeasesIncomeStatementLeaseRevenue

5435000000

USD

CY2011Q4

us-gaap

Other Assets

OtherAssets

18741000000

USD

CY2010Q4

us-gaap

Other Assets

OtherAssets

17564000000

USD

CY2009

us-gaap

Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent

223000000

USD

CY2011

us-gaap

Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent

-88000000

USD

CY2010

us-gaap

Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent

-177000000

USD

CY2011

us-gaap

Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent

20000000

USD

CY2010

us-gaap

Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent

40000000

USD

CY2009

us-gaap

Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent

-24000000

USD

CY2011

us-gaap

Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent

-64000000

USD

CY2009

us-gaap

Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent

601000000

USD

CY2010

us-gaap

Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent

-17000000

USD

CY2010

us-gaap

Other Comprehensive Income Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Tax

OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax

165000000

USD

CY2011

us-gaap

Other Comprehensive Income Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Tax

OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax

-237000000

USD

CY2009

us-gaap

Other Comprehensive Income Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Tax

OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax

601000000

USD

us-gaap

Other Comprehensive Income Loss Net Of Tax Period Increase Decrease

OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease

497000000

USD

CY2011

us-gaap

Other Comprehensive Income Loss Net Of Tax Period Increase Decrease

OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease

-172000000

USD

CY2010

us-gaap

Other Comprehensive Income Loss Net Of Tax Period Increase Decrease

OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease

-205000000

USD

us-gaap

Other Comprehensive Income Loss Net Of Tax Period Increase Decrease

OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease

352000000

USD

CY2011

us-gaap

Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent

-172000000

USD

CY2009

us-gaap

Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent

849000000

USD

CY2010

us-gaap

Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent

OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent

-201000000

USD

CY2011

us-gaap

Other Comprehensive Income Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax

OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax

284000000

USD

CY2010

us-gaap

Other Comprehensive Income Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax

OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax

497000000

USD

CY2009

us-gaap

Other Comprehensive Income Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax

OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax

-108000000

USD

CY2011

us-gaap

Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Net Of Tax

OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax

0

USD

CY2010

us-gaap

Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Net Of Tax

OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax

33000000

USD

CY2009

us-gaap

Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Net Of Tax

OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax

1000000

USD

CY2010

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

320000000

USD

CY2009

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

115000000

USD

CY2011

us-gaap

Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax

OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

196000000

USD

CY2011Q4

us-gaap

Other Liabilities

OtherLiabilities

14084000000

USD

CY2010Q4

us-gaap

Other Liabilities

OtherLiabilities

12126000000

USD

CY2009

us-gaap

Other Noninterest Expense

OtherNoninterestExpense

4999000000

USD

CY2011

us-gaap

Other Noninterest Expense

OtherNoninterestExpense

3498000000

USD

CY2010

us-gaap

Other Noninterest Expense

OtherNoninterestExpense

3665000000

USD

CY2009

us-gaap

Payments For Origination And Purchases Of Loans Held For Sale

PaymentsForOriginationAndPurchasesOfLoansHeldForSale

88283000000

USD

CY2010

us-gaap

Payments For Origination And Purchases Of Loans Held For Sale

PaymentsForOriginationAndPurchasesOfLoansHeldForSale

73823000000

USD

CY2011

us-gaap

Payments For Origination And Purchases Of Loans Held For Sale

PaymentsForOriginationAndPurchasesOfLoansHeldForSale

60270000000

USD

CY2009

us-gaap

Payments For Proceeds From Loans And Leases

PaymentsForProceedsFromLoansAndLeases

-15062000000

USD

CY2011

us-gaap

Payments For Proceeds From Loans And Leases

PaymentsForProceedsFromLoansAndLeases

16998000000

USD

CY2010

us-gaap

Payments For Proceeds From Loans And Leases

PaymentsForProceedsFromLoansAndLeases

17344000000

USD

CY2010

us-gaap

Payments For Proceeds From Other Investing Activities

PaymentsForProceedsFromOtherInvestingActivities

-3119000000

USD

CY2009

us-gaap

Payments For Proceeds From Other Investing Activities

PaymentsForProceedsFromOtherInvestingActivities

-2098000000

USD

CY2011

us-gaap

Payments For Proceeds From Other Investing Activities

PaymentsForProceedsFromOtherInvestingActivities

-1143000000

USD

CY2011

us-gaap

Payments Of Dividends

PaymentsOfDividends

819000000

USD

CY2009

us-gaap

Payments Of Dividends

PaymentsOfDividends

1592000000

USD

CY2010

us-gaap

Payments Of Dividends

PaymentsOfDividends

1253000000

USD

CY2011

us-gaap

Payments To Acquire Available For Sale Securities

PaymentsToAcquireAvailableForSaleSecurities

19377000000

USD

CY2010

us-gaap

Payments To Acquire Available For Sale Securities

PaymentsToAcquireAvailableForSaleSecurities

24116000000

USD

CY2009

us-gaap

Payments To Acquire Available For Sale Securities

PaymentsToAcquireAvailableForSaleSecurities

21148000000

USD

CY2009

us-gaap

Policyholder Benefits And Claims Incurred Net

PolicyholderBenefitsAndClaimsIncurredNet

992000000

USD

CY2010

us-gaap

Policyholder Benefits And Claims Incurred Net

PolicyholderBenefitsAndClaimsIncurredNet

820000000

USD

CY2011

us-gaap

Policyholder Benefits And Claims Incurred Net

PolicyholderBenefitsAndClaimsIncurredNet

713000000

USD

CY2011

us-gaap

Premiums Earned Net

PremiumsEarnedNet

1573000000

USD

CY2009

us-gaap

Premiums Earned Net

PremiumsEarnedNet

1861000000

USD

CY2010

us-gaap

Premiums Earned Net

PremiumsEarnedNet

1750000000

USD

CY2010

us-gaap

Proceeds From Divestiture Of Businesses

ProceedsFromDivestitureOfBusinesses

161000000

USD

CY2011

us-gaap

Proceeds From Divestiture Of Businesses

ProceedsFromDivestitureOfBusinesses

50000000

USD

CY2009

us-gaap

Proceeds From Divestiture Of Businesses

ProceedsFromDivestitureOfBusinesses

296000000

USD

CY2010

us-gaap

Proceeds From Issuance Of Common Stock

ProceedsFromIssuanceOfCommonStock

0

USD

CY2011

us-gaap

Proceeds From Issuance Of Common Stock

ProceedsFromIssuanceOfCommonStock

0

USD

CY2009

us-gaap

Proceeds From Issuance Of Common Stock

ProceedsFromIssuanceOfCommonStock

1247000000

USD

CY2010

us-gaap

Proceeds From Issuance Of Long Term Debt

ProceedsFromIssuanceOfLongTermDebt

39002000000

USD

CY2009

us-gaap

Proceeds From Issuance Of Long Term Debt

ProceedsFromIssuanceOfLongTermDebt

30679000000

USD

CY2011

us-gaap

Proceeds From Issuance Of Long Term Debt

ProceedsFromIssuanceOfLongTermDebt

44754000000

USD

CY2011

us-gaap

Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

4965000000

USD

CY2009

us-gaap

Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

4527000000

USD

CY2010

us-gaap

Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities

ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

4527000000

USD

CY2011

us-gaap

Proceeds From Repayments Of Short Term Debt

ProceedsFromRepaymentsOfShortTermDebt

514000000

USD

CY2011

us-gaap

Proceeds From Payments For Other Financing Activities

ProceedsFromPaymentsForOtherFinancingActivities

234000000

USD

CY2010

us-gaap

Proceeds From Payments For Other Financing Activities

ProceedsFromPaymentsForOtherFinancingActivities

869000000

USD

CY2009

us-gaap

Proceeds From Payments For Other Financing Activities

ProceedsFromPaymentsForOtherFinancingActivities

1064000000

USD

CY2009

us-gaap

Proceeds From Repayments Of Short Term Debt

ProceedsFromRepaymentsOfShortTermDebt

-338000000

USD

CY2010

us-gaap

Proceeds From Repayments Of Short Term Debt

ProceedsFromRepaymentsOfShortTermDebt

-3629000000

USD

CY2009

us-gaap

Proceeds From Sale Of Available For Sale Securities

ProceedsFromSaleOfAvailableForSaleSecurities

10153000000

USD

CY2011

us-gaap

Proceeds From Sale Of Available For Sale Securities

ProceedsFromSaleOfAvailableForSaleSecurities

14232000000

USD

CY2010

us-gaap

Proceeds From Sale Of Available For Sale Securities

ProceedsFromSaleOfAvailableForSaleSecurities

17872000000

USD

CY2010

us-gaap

Proceeds From Sale Of Finance Receivables

ProceedsFromSaleOfFinanceReceivables

3138000000

USD

CY2011

us-gaap

Proceeds From Sale Of Finance Receivables

ProceedsFromSaleOfFinanceReceivables

2868000000

USD

CY2009

us-gaap

Proceeds From Sale Of Finance Receivables

ProceedsFromSaleOfFinanceReceivables

260000000

USD

CY2009

us-gaap

Proceeds From Sale Of Loans Held For Sale

ProceedsFromSaleOfLoansHeldForSale

78673000000

USD

CY2010

us-gaap

Proceeds From Sale Of Loans Held For Sale

ProceedsFromSaleOfLoansHeldForSale

80093000000

USD

CY2011

us-gaap

Proceeds From Sale Of Loans Held For Sale

ProceedsFromSaleOfLoansHeldForSale

61187000000

USD

CY2010Q4

us-gaap

Property Subject To Or Available For Operating Lease Net

PropertySubjectToOrAvailableForOperatingLeaseNet

9128000000

USD

CY2011Q4

us-gaap

Property Subject To Or Available For Operating Lease Net

PropertySubjectToOrAvailableForOperatingLeaseNet

9275000000

USD

CY2011

us-gaap

Provision For Loan Losses Expensed

ProvisionForLoanLossesExpensed

219000000

USD

CY2009

us-gaap

Provision For Loan Losses Expensed

ProvisionForLoanLossesExpensed

5603000000

USD

CY2010

us-gaap

Provision For Loan Losses Expensed

ProvisionForLoanLossesExpensed

442000000

USD

CY2009

us-gaap

Repayments Of Long Term Debt

RepaymentsOfLongTermDebt

61493000000

USD

CY2011

us-gaap

Repayments Of Long Term Debt

RepaymentsOfLongTermDebt

40473000000

USD

CY2010

us-gaap

Repayments Of Long Term Debt

RepaymentsOfLongTermDebt

49530000000

USD

CY2010Q4

us-gaap

Retained Earnings Accumulated Deficit

RetainedEarningsAccumulatedDeficit

-6410000000

USD

CY2011Q4

us-gaap

Retained Earnings Accumulated Deficit

RetainedEarningsAccumulatedDeficit

-7324000000

USD

CY2011

us-gaap

Revenues

6071000000

USD

CY2009

us-gaap

Revenues

6202000000

USD

CY2010

us-gaap

Revenues

7642000000

USD

CY2011Q4

us-gaap

Servicing Asset At Fair Value Amount

ServicingAssetAtFairValueAmount

2519000000

USD

CY2010Q4

us-gaap

Servicing Asset At Fair Value Amount

ServicingAssetAtFairValueAmount

3738000000

USD

CY2011

us-gaap

Servicing Fees Net

ServicingFeesNet

1358000000

USD

CY2010

us-gaap

Servicing Fees Net

ServicingFeesNet

1493000000

USD

CY2009

us-gaap

Servicing Fees Net

ServicingFeesNet

1467000000

USD

CY2010Q4

us-gaap

Short Term Borrowings

ShortTermBorrowings

7508000000

USD

CY2011Q4

us-gaap

Short Term Borrowings

ShortTermBorrowings

7680000000

USD

us-gaap

Stock Issued During Period Value New Issues

StockIssuedDuringPeriodValueNewIssues

1250000000

USD

CY2011Q4

us-gaap

Stockholders Equity

StockholdersEquity

19371000000

USD

CY2010Q4

us-gaap

Stockholders Equity

StockholdersEquity

20489000000

USD

CY2011Q4

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

19371000000

USD

CY2010Q4

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

20489000000

USD

CY2009Q4

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

20839000000

USD

CY2009Q2

us-gaap

Stockholders Equity Including Portion Attributable To Noncontrolling Interest

StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

26046000000

USD

CY2010

us-gaap

Stockholders Equity Other

StockholdersEquityOther

-74000000

USD

CY2011

us-gaap

Stockholders Equity Other

StockholdersEquityOther

-5000000

USD

CY2010Q4

us-gaap

Trading Securities

TradingSecurities

240000000

USD

CY2011Q4

us-gaap

Trading Securities

TradingSecurities

622000000

USD

CY2010Q4

us-gaap

Unearned Premiums

UnearnedPremiums

2854000000

USD

CY2011Q4

us-gaap

Unearned Premiums

UnearnedPremiums

2576000000

USD

CY2011

us-gaap

Weighted Average Number Of Diluted Shares Outstanding

WeightedAverageNumberOfDilutedSharesOutstanding

1330970

shares

CY2009

us-gaap

Weighted Average Number Of Diluted Shares Outstanding

WeightedAverageNumberOfDilutedSharesOutstanding

529392

shares

CY2010

us-gaap

Weighted Average Number Of Diluted Shares Outstanding

WeightedAverageNumberOfDilutedSharesOutstanding

800597

shares

CY2011

us-gaap

Weighted Average Number Of Shares Outstanding Basic

WeightedAverageNumberOfSharesOutstandingBasic

1330970

shares

CY2009

us-gaap

Weighted Average Number Of Shares Outstanding Basic

WeightedAverageNumberOfSharesOutstandingBasic

529392

shares

CY2010

us-gaap

Weighted Average Number Of Shares Outstanding Basic

WeightedAverageNumberOfSharesOutstandingBasic

800597

shares

CY2011

gjm

Adjustment For Change In Cash And Cash Equivalent Of Operations Held For Sale

AdjustmentForChangeInCashAndCashEquivalentOfOperationsHeldForSale

-99000000

USD

CY2010

gjm

Adjustment For Change In Cash And Cash Equivalent Of Operations Held For Sale

AdjustmentForChangeInCashAndCashEquivalentOfOperationsHeldForSale

725000000

USD

CY2009

gjm

Adjustment For Change In Cash And Cash Equivalent Of Operations Held For Sale

AdjustmentForChangeInCashAndCashEquivalentOfOperationsHeldForSale

-777000000

USD

CY2010

gjm

Availableforsale Securities Gross Realized Gain Loss Excluding Otti Including Disc Ops

AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOttiIncludingDiscOps

-520000000

USD

CY2009

gjm

Availableforsale Securities Gross Realized Gain Loss Excluding Otti Including Disc Ops

AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOttiIncludingDiscOps

-2000000

USD

CY2011

gjm

Availableforsale Securities Gross Realized Gain Loss Excluding Otti Including Disc Ops

AvailableforsaleSecuritiesGrossRealizedGainLossExcludingOttiIncludingDiscOps

-294000000

USD

gjm

Capital Contributions

CapitalContributions

1247000000

USD

CY2010

gjm

Changes In Fair Value Of Mortgage Servicing Rights

ChangesInFairValueOfMortgageServicingRights

872000000

USD

CY2009

gjm

Changes In Fair Value Of Mortgage Servicing Rights

ChangesInFairValueOfMortgageServicingRights

142000000

USD

CY2011

gjm

Changes In Fair Value Of Mortgage Servicing Rights

ChangesInFairValueOfMortgageServicingRights

1606000000

USD

CY2010

gjm

Consolidation Of Loans Net

ConsolidationOfLoansNet

137000000

USD

CY2009

gjm

Consolidation Of Loans Net

ConsolidationOfLoansNet

1410000000

USD

CY2011

gjm

Consolidation Of Loans Net

ConsolidationOfLoansNet

0

USD

CY2009

gjm

Consolidation Of Variable Interest Entity Debt

ConsolidationOfVariableInterestEntityDebt

1184000000

USD

CY2011

gjm

Consolidation Of Variable Interest Entity Debt

ConsolidationOfVariableInterestEntityDebt

0

USD

CY2010

gjm

Consolidation Of Variable Interest Entity Debt

ConsolidationOfVariableInterestEntityDebt

78000000

USD

CY2009

gjm

Contributions From Stockholders And Members

ContributionsFromStockholdersAndMembers

34000000

USD

CY2010

gjm

Contributions From Stockholders And Members

ContributionsFromStockholdersAndMembers

0

USD

CY2011

gjm

Contributions From Stockholders And Members

ContributionsFromStockholdersAndMembers

0

USD

CY2009

gjm

Conversion Of Preferred Stock To Common Equity

ConversionOfPreferredStockToCommonEquity

0

USD

CY2010

gjm

Net Income Loss From Continuing Operations Attributable To Common Shareholders

NetIncomeLossFromContinuingOperationsAttributableToCommonShareholders

-875000000

USD

CY2009

gjm

Net Income Loss From Continuing Operations Attributable To Common Shareholders

NetIncomeLossFromContinuingOperationsAttributableToCommonShareholders

-8208000000

USD

CY2011Q4

gjm

Non Us Dept Of Treasury Held Preferred Stock And Apic

NonUSDeptOfTreasuryHeldPreferredStockAndApic

1255000000

USD

CY2010Q4

gjm

Non Us Dept Of Treasury Held Preferred Stock And Apic

NonUSDeptOfTreasuryHeldPreferredStockAndApic

1287000000

USD

CY2009

gjm

Other Comprehensive Income Cumulative Effect Of Change In Accounting Principle

OtherComprehensiveIncomeCumulativeEffectOfChangeInAccountingPrinciple

0

USD

CY2010

gjm

Conversion Of Preferred Stock To Common Equity

ConversionOfPreferredStockToCommonEquity

5208000000

USD

CY2011

gjm

Conversion Of Preferred Stock To Common Equity

ConversionOfPreferredStockToCommonEquity

0

USD

CY2010

gjm

Deconsolidation Of Loans Net

DeconsolidationOfLoansNet

1969000000

USD

CY2009

gjm

Deconsolidation Of Loans Net

DeconsolidationOfLoansNet

0

USD

CY2011

gjm

Deconsolidation Of Loans Net

DeconsolidationOfLoansNet

0

USD

CY2011

gjm

Deconsolidation Of Variable Interest Entity Debt

DeconsolidationOfVariableInterestEntityDebt

0

USD

CY2009

gjm

Deconsolidation Of Variable Interest Entity Debt

DeconsolidationOfVariableInterestEntityDebt

0

USD

CY2010

gjm

Deconsolidation Of Variable Interest Entity Debt

DeconsolidationOfVariableInterestEntityDebt

1903000000

USD

CY2010

gjm

Disposals Of Operating Lease Assets

DisposalsOfOperatingLeaseAssets

8627000000

USD

CY2009

gjm

Disposals Of Operating Lease Assets

DisposalsOfOperatingLeaseAssets

6612000000

USD

CY2011

gjm

Disposals Of Operating Lease Assets

DisposalsOfOperatingLeaseAssets

5517000000

USD

gjm

Dividends Preferred Interests Excluding Dividends Paid To Us Department Of Treasury

DividendsPreferredInterestsExcludingDividendsPaidToUSDepartmentOfTreasury

195000000

USD

CY2011

gjm

Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury

DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury

260000000

USD

CY2010

gjm

Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury

DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury

282000000

USD

CY2009

gjm

Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury

DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury

370000000

USD

gjm

Dividends Preferred Stock Excluding Dividends Paid To Us Department Of Treasury

DividendsPreferredStockExcludingDividendsPaidToUSDepartmentOfTreasury

175000000

USD

gjm

Dividends To Members

DividendsToMembers

119000000

USD

CY2010

gjm

Gain Loss On Extinguishment Of Debt Including Discontinued Operations

GainLossOnExtinguishmentOfDebtIncludingDiscontinuedOperations

-123000000

USD

CY2009

gjm

Gain Loss On Extinguishment Of Debt Including Discontinued Operations

GainLossOnExtinguishmentOfDebtIncludingDiscontinuedOperations

665000000

USD

CY2011

gjm

Gain Loss On Extinguishment Of Debt Including Discontinued Operations

GainLossOnExtinguishmentOfDebtIncludingDiscontinuedOperations

-64000000

USD

CY2009

gjm

Gain Loss On Sales Of Loans Net Including Discontinued Operations

GainLossOnSalesOfLoansNetIncludingDiscontinuedOperations

192000000

USD

CY2011

gjm

Gain Loss On Sales Of Loans Net Including Discontinued Operations

GainLossOnSalesOfLoansNetIncludingDiscontinuedOperations

459000000

USD

CY2010

gjm

Gain Loss On Sales Of Loans Net Including Discontinued Operations

GainLossOnSalesOfLoansNetIncludingDiscontinuedOperations

1014000000

USD

CY2009

gjm

Impact Of Preferred Stock Amendment

ImpactOfPreferredStockAmendment

0

USD

CY2010

gjm

Impact Of Preferred Stock Amendment

ImpactOfPreferredStockAmendment

0

USD

CY2011

gjm

Impact Of Preferred Stock Amendment

ImpactOfPreferredStockAmendment

-32000000

USD

CY2011

gjm

Impact Of Preferred Stock Conversion And Related Amendment

ImpactOfPreferredStockConversionAndRelatedAmendment

0

USD

CY2010

gjm

Impact Of Preferred Stock Conversion And Related Amendment

ImpactOfPreferredStockConversionAndRelatedAmendment

616000000

USD

CY2009

gjm

Impact Of Preferred Stock Conversion And Related Amendment

ImpactOfPreferredStockConversionAndRelatedAmendment

0

USD

CY2011

gjm

Increase In Finance Receivables And Loans Due To Change In Accounting Principle

IncreaseInFinanceReceivablesAndLoansDueToChangeInAccountingPrinciple

0

USD

CY2010

gjm

Increase In Finance Receivables And Loans Due To Change In Accounting Principle

IncreaseInFinanceReceivablesAndLoansDueToChangeInAccountingPrinciple

17990000000

USD

CY2009

gjm

Increase In Finance Receivables And Loans Due To Change In Accounting Principle

IncreaseInFinanceReceivablesAndLoansDueToChangeInAccountingPrinciple

0

USD

CY2011

gjm

Increase In Long Term Debt Due To Change In Accounting Principle

IncreaseInLongTermDebtDueToChangeInAccountingPrinciple

0

USD

CY2010

gjm

Increase In Long Term Debt Due To Change In Accounting Principle

IncreaseInLongTermDebtDueToChangeInAccountingPrinciple

17054000000

USD

CY2009

gjm

Increase In Long Term Debt Due To Change In Accounting Principle

IncreaseInLongTermDebtDueToChangeInAccountingPrinciple

0

USD

gjm

Issuance Of Preferred Interests

IssuanceOfPreferredInterests

7500000000

USD

CY2008Q4

gjm

Members Interest Deficit

MembersInterestDeficit

21854000000

USD

CY2009Q2

gjm

Members Interest Deficit

MembersInterestDeficit

26046000000

USD

CY2010

gjm

Net Financing Revenue

NetFinancingRevenue

2614000000

USD

CY2011

gjm

Net Financing Revenue

NetFinancingRevenue

2475000000

USD

CY2009

gjm

Net Financing Revenue

NetFinancingRevenue

2162000000

USD

CY2011

gjm

Net Income Loss From Continuing Operations Attributable To Common Shareholders

NetIncomeLossFromContinuingOperationsAttributableToCommonShareholders

-874000000

USD

CY2011

gjm

Other Comprehensive Income Cumulative Effect Of Change In Accounting Principle

OtherComprehensiveIncomeCumulativeEffectOfChangeInAccountingPrinciple

0

USD

CY2010

gjm

Other Comprehensive Income Cumulative Effect Of Change In Accounting Principle

OtherComprehensiveIncomeCumulativeEffectOfChangeInAccountingPrinciple

-4000000

USD

CY2011

gjm

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss And Net Prior Service Costs Credit Arising During Period Net Of Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossAndNetPriorServiceCostsCreditArisingDuringPeriodNetOfTax

-27000000

USD

CY2010

gjm

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss And Net Prior Service Costs Credit Arising During Period Net Of Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossAndNetPriorServiceCostsCreditArisingDuringPeriodNetOfTax

-59000000

USD

CY2009

gjm

Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Net Unamortized Gain Loss And Net Prior Service Costs Credit Arising During Period Net Of Tax

OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossAndNetPriorServiceCostsCreditArisingDuringPeriodNetOfTax

37000000

USD

CY2010

gjm

Other Comprehensive Income Loss Reclassification Pension And Other Postretirement Benefit Plans Net Gain Loss And Net Prior Service Cost Recognized In Net Income Net Of Tax

OtherComprehensiveIncomeLossReclassificationPensionAndOtherPostretirementBenefitPlansNetGainLossAndNetPriorServiceCostRecognizedInNetIncomeNetOfTax

-19000000

USD

CY2009

gjm

Other Comprehensive Income Loss Reclassification Pension And Other Postretirement Benefit Plans Net Gain Loss And Net Prior Service Cost Recognized In Net Income Net Of Tax

OtherComprehensiveIncomeLossReclassificationPensionAndOtherPostretirementBenefitPlansNetGainLossAndNetPriorServiceCostRecognizedInNetIncomeNetOfTax

13000000

USD

CY2011

gjm

Other Comprehensive Income Loss Reclassification Pension And Other Postretirement Benefit Plans Net Gain Loss And Net Prior Service Cost Recognized In Net Income Net Of Tax

OtherComprehensiveIncomeLossReclassificationPensionAndOtherPostretirementBenefitPlansNetGainLossAndNetPriorServiceCostRecognizedInNetIncomeNetOfTax

-7000000

USD

CY2009

gjm

Other Comprehensive Income Reclassification Adjustment For Net Investment Hedges Included In Net Income Net Of Tax

OtherComprehensiveIncomeReclassificationAdjustmentForNetInvestmentHedgesIncludedInNetIncomeNetOfTax

0

USD

CY2010

gjm

Other Comprehensive Income Reclassification Adjustment For Net Investment Hedges Included In Net Income Net Of Tax

OtherComprehensiveIncomeReclassificationAdjustmentForNetInvestmentHedgesIncludedInNetIncomeNetOfTax

-1000000

USD

CY2011

gjm

Other Comprehensive Income Reclassification Adjustment For Net Investment Hedges Included In Net Income Net Of Tax

OtherComprehensiveIncomeReclassificationAdjustmentForNetInvestmentHedgesIncludedInNetIncomeNetOfTax

-8000000

USD

CY2009

gjm

Other Conprehensive Income Unrealized Gain Loss On Net Investment Hedges Arising During Period

OtherConprehensiveIncomeUnrealizedGainLossOnNetInvestmentHedgesArisingDuringPeriod

0

USD

CY2010

gjm

Other Conprehensive Income Unrealized Gain Loss On Net Investment Hedges Arising During Period

OtherConprehensiveIncomeUnrealizedGainLossOnNetInvestmentHedgesArisingDuringPeriod

-183000000

USD

CY2011

gjm

Other Conprehensive Income Unrealized Gain Loss On Net Investment Hedges Arising During Period

OtherConprehensiveIncomeUnrealizedGainLossOnNetInvestmentHedgesArisingDuringPeriod

165000000

USD

CY2011

gjm

Other Impairment

OtherImpairment

40000000

USD

CY2009

gjm

Other Impairment

OtherImpairment

1516000000

USD

CY2010

gjm

Other Impairment

OtherImpairment

170000000

USD

gjm

Preferred Interest Dividends Paid To Us Department Of Treasury

PreferredInterestDividendsPaidToUSDepartmentOfTreasury

160000000

USD

CY2011

gjm

Preferred Stock Amendment

PreferredStockAmendment

0

USD

CY2011

gjm

Preferred Stock Dividends Paid To Us Department Of Treasury

PreferredStockDividendsPaidToUSDepartmentOfTreasury

534000000

USD

CY2009

gjm

Preferred Stock Dividends Paid To Us Department Of Treasury

PreferredStockDividendsPaidToUSDepartmentOfTreasury

855000000

USD

CY2010

gjm

Preferred Stock Dividends Paid To Us Department Of Treasury

PreferredStockDividendsPaidToUSDepartmentOfTreasury

963000000

USD

gjm

Preferred Stock Dividends Paid To Us Department Of Treasury

PreferredStockDividendsPaidToUSDepartmentOfTreasury

695000000

USD

CY2011Q4

gjm

Premiums Receivable And Other Insurance Assets

PremiumsReceivableAndOtherInsuranceAssets

1853000000

USD

CY2010Q4

gjm

Premiums Receivable And Other Insurance Assets

PremiumsReceivableAndOtherInsuranceAssets

2181000000

USD

CY2010

gjm

Proceeds From Issuance Of Preferred Stock To Us Department Of Treasury

ProceedsFromIssuanceOfPreferredStockToUsDepartmentOfTreasury

0

USD

CY2011

gjm

Proceeds From Issuance Of Preferred Stock To Us Department Of Treasury

ProceedsFromIssuanceOfPreferredStockToUsDepartmentOfTreasury

0

USD

CY2009

gjm

Proceeds From Issuance Of Preferred Stock To Us Department Of Treasury

ProceedsFromIssuanceOfPreferredStockToUsDepartmentOfTreasury

8750000000

USD

CY2010

gjm

Proceeds From Sales And Repayments Of Mortgage Loans Held For Investment Originally Designated As Held For Sale

ProceedsFromSalesAndRepaymentsOfMortgageLoansHeldForInvestmentOriginallyDesignatedAsHeldForSale

1324000000

USD

CY2011

gjm

Proceeds From Sales And Repayments Of Mortgage Loans Held For Investment Originally Designated As Held For Sale

ProceedsFromSalesAndRepaymentsOfMortgageLoansHeldForInvestmentOriginallyDesignatedAsHeldForSale

241000000

USD

CY2009

gjm

Proceeds From Sales And Repayments Of Mortgage Loans Held For Investment Originally Designated As Held For Sale

ProceedsFromSalesAndRepaymentsOfMortgageLoansHeldForInvestmentOriginallyDesignatedAsHeldForSale

1010000000

USD

CY2009

gjm

Provision For Loan Losses Expensed Including Discontinued Operations

ProvisionForLoanLossesExpensedIncludingDiscontinuedOperations

6173000000

USD

CY2010

gjm

Provision For Loan Losses Expensed Including Discontinued Operations

ProvisionForLoanLossesExpensedIncludingDiscontinuedOperations

469000000

USD

CY2011

gjm

Provision For Loan Losses Expensed Including Discontinued Operations

ProvisionForLoanLossesExpensedIncludingDiscontinuedOperations

217000000

USD

CY2010

gjm

Purchases Of Operating Lease Assets

PurchasesOfOperatingLeaseAssets

3551000000

USD

CY2009

gjm

Purchases Of Operating Lease Assets

PurchasesOfOperatingLeaseAssets

732000000

USD

CY2011

gjm

Purchases Of Operating Lease Assets

PurchasesOfOperatingLeaseAssets

6528000000

USD

CY2009

gjm

Servicing Asset Valuation And Hedge Activities Net

ServicingAssetValuationAndHedgeActivitiesNet

-1104000000

USD

CY2010

gjm

Servicing Asset Valuation And Hedge Activities Net

ServicingAssetValuationAndHedgeActivitiesNet

-394000000

USD

CY2011

gjm

Servicing Asset Valuation And Hedge Activities Net

ServicingAssetValuationAndHedgeActivitiesNet

-789000000

USD

CY2010

gjm

Stockholders Equity After Cumulative Effect Of Changes In Accounting Principle

StockholdersEquityAfterCumulativeEffectOfChangesInAccountingPrinciple

20786000000

USD

CY2011

gjm

Total Financing Revenue And Other Interest Income

TotalFinancingRevenueAndOtherInterestIncome

9736000000

USD

CY2009

gjm

Total Financing Revenue And Other Interest Income

TotalFinancingRevenueAndOtherInterestIncome

12772000000

USD

CY2010

gjm

Total Financing Revenue And Other Interest Income

TotalFinancingRevenueAndOtherInterestIncome

11183000000

USD

CY2011

gjm

Total Servicing Income Net

TotalServicingIncomeNet

569000000

USD

CY2009

gjm

Total Servicing Income Net

TotalServicingIncomeNet

363000000

USD

CY2010

gjm

Total Servicing Income Net

TotalServicingIncomeNet

1099000000

USD

CY2009

gjm

Transfer Of Mortgage Servicing Rights Into Trading Securities Through Certification

TransferOfMortgageServicingRightsIntoTradingSecuritiesThroughCertification

0

USD

CY2010

gjm

Transfer Of Mortgage Servicing Rights Into Trading Securities Through Certification

TransferOfMortgageServicingRightsIntoTradingSecuritiesThroughCertification

0

USD

CY2011

gjm

Transfer Of Mortgage Servicing Rights Into Trading Securities Through Certification

TransferOfMortgageServicingRightsIntoTradingSecuritiesThroughCertification

266000000

USD

CY2010Q4

gjm

Us Dept Of Treasury Held Preferred Stock And Apic

USDeptOfTreasuryHeldPreferredStockAndApic

5685000000

USD

CY2011Q4

gjm

Us Dept Of Treasury Held Preferred Stock And Apic

USDeptOfTreasuryHeldPreferredStockAndApic

5685000000

USD

CY2011

dei

Amendment Flag

AmendmentFlag

false

CY2011

dei

Current Fiscal Year End Date

CurrentFiscalYearEndDate

--12-31

CY2011

dei

Document Fiscal Period Focus

DocumentFiscalPeriodFocus

FY

CY2011

dei

Document Fiscal Year Focus

DocumentFiscalYearFocus

2011

CY2011

dei

Document Period End Date

DocumentPeriodEndDate

2011-12-31

CY2011

dei

Document Type

DocumentType

8-K

CY2011

dei

Entity Central Index Key

EntityCentralIndexKey

0000040729

CY2012Q1

dei

Entity Common Stock Shares Outstanding

EntityCommonStockSharesOutstanding

1330970

shares

CY2011

dei

Entity Current Reporting Status

EntityCurrentReportingStatus

Yes

CY2011

dei

Entity Filer Category

EntityFilerCategory

Non-accelerated Filer

CY2011Q2

dei

Entity Public Float

EntityPublicFloat

0

USD

CY2011

dei

Entity Registrant Name

EntityRegistrantName

Ally Financial Inc.

CY2011

dei

Entity Voluntary Filers

EntityVoluntaryFilers

No

CY2011

dei

Entity Well Known Seasoned Issuer

EntityWellKnownSeasonedIssuer

Yes

Name	View Source	Status
0000040729-12-000022-index-headers.html	Edgar Link	pending
0000040729-12-000022-index.html	Edgar Link	pending
0000040729-12-000022.txt	Edgar Link	pending
0000040729-12-000022-xbrl.zip	Edgar Link	pending
exhibit231consent8-kof2011.htm	Edgar Link	pending
exhibit991gjm201112311110k.htm	Edgar Link	pending
FilingSummary.xml	Edgar Link	unprocessable
Financial_Report.xls	Edgar Link	pending
gjm-20111231.xml	Edgar Link	completed
gjm-20111231.xsd	Edgar Link	pending
gjm-20111231_cal.xml	Edgar Link	unprocessable
gjm-20111231_def.xml	Edgar Link	unprocessable
gjm-20111231_lab.xml	Edgar Link	unprocessable
gjm-20111231_pre.xml	Edgar Link	unprocessable
gjm201112311110k8k.htm	Edgar Link	pending
R1.htm	Edgar Link	pending
R10.htm	Edgar Link	pending
R11.htm	Edgar Link	pending
R12.htm	Edgar Link	pending
R13.htm	Edgar Link	pending
R14.htm	Edgar Link	pending
R15.htm	Edgar Link	pending
R16.htm	Edgar Link	pending
R17.htm	Edgar Link	pending
R18.htm	Edgar Link	pending
R19.htm	Edgar Link	pending
R2.htm	Edgar Link	pending
R20.htm	Edgar Link	pending
R21.htm	Edgar Link	pending
R22.htm	Edgar Link	pending
R23.htm	Edgar Link	pending
R24.htm	Edgar Link	pending
R25.htm	Edgar Link	pending
R26.htm	Edgar Link	pending
R27.htm	Edgar Link	pending
R28.htm	Edgar Link	pending
R29.htm	Edgar Link	pending
R3.htm	Edgar Link	pending
R30.htm	Edgar Link	pending
R31.htm	Edgar Link	pending
R32.htm	Edgar Link	pending
R33.htm	Edgar Link	pending
R34.htm	Edgar Link	pending
R35.htm	Edgar Link	pending
R36.htm	Edgar Link	pending
R37.htm	Edgar Link	pending
R38.htm	Edgar Link	pending
R39.htm	Edgar Link	pending
R4.htm	Edgar Link	pending
R5.htm	Edgar Link	pending
R6.htm	Edgar Link	pending
R7.htm	Edgar Link	pending
R8.htm	Edgar Link	pending
R9.htm	Edgar Link	pending
report.css	Edgar Link	pending
Show.js	Edgar Link	pending

Create your account

Find Stocks Worth Researching

Deeply Understand Businesses

Value Businesses Intelligently

$ALLY
Ally Financial Inc. Stock $ally

2010 Q4 Form 8-K Financial Statement

#000004072912000022 Filed on August 03, 2012

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$ALLY Ally Financial Inc. Stock $ally

2010 Q4 Form 8-K Financial Statement

#000004072912000022 Filed on August 03, 2012

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$ALLY
Ally Financial Inc. Stock $ally