The following is a detail of other non-interest income for the years ended December 31: | | | | | | | | | | | | | | | | | | | 2023 | | 2022 | | 2021 | | | (In millions) | | Investment services fee income | $ | 138 | | | $ | 122 | | | $ | 104 | | | Commercial credit fee income | 105 | | | 96 | | | 91 | | | Bank-owned life insurance | 78 | | | 62 | | | 82 | | | | | | | | | Market value adjustments on employee benefit assets | 15 | | | (45) | | | 20 | | Insurance proceeds (1) | — | | | 50 | | | — | | Gain on equity investment (2) | — | | | — | | | 3 | | | Other miscellaneous income | 185 | | | 199 | | | 223 | | | $ | 521 | | | $ | 484 | | | $ | 523 | |
______ (1)In 2022, the Company settled a previously disclosed matter with the CFPB and received an insurance reimbursement related to the settlement. (2)This amount represents a gain on the sale of an equity investment that was sold in the first quarter of 2021. The following is a detail of other non-interest expense for the years ended December 31: | | | | | | | | | | | | | | | | | | | 2023 | | 2022 | | 2021 | | | (In millions) | | Outside services | $ | 163 | | | $ | 157 | | | $ | 156 | | | Marketing | 110 | | | 102 | | | 106 | | | Professional, legal and regulatory expenses | 85 | | | 263 | | | 98 | | | Credit/checkcard expenses | 60 | | | 66 | | | 62 | | FDIC insurance assessments | 228 | | | 61 | | | 45 | | | Operational losses | 212 | | | 56 | | | 46 | | | Branch consolidation, property and equipment charges | 7 | | | 3 | | | 5 | | | Visa class B shares expense | 28 | | | 24 | | | 22 | | | Early extinguishment of debt | (4) | | | — | | | 20 | | | | | | | | | Other miscellaneous expenses | 410 | | | 326 | | | 314 | | | $ | 1,299 | | | $ | 1,058 | | | $ | 874 | |
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