The following table summarizes the allowance for credit losses, which substantially all relate to unsecured balances of receivables from users due to “Fraudulent Deposit Transactions” and losses on margin lending. Fraudulent Deposit Transactions are fraudulent, unlawful or otherwise inappropriate customer behavior, such as when customers initiate deposits into their accounts, make trades on our platform using a short-term extension of credit from us, and then repatriate or reverse the deposits, resulting in a loss to us of the credited amount.


	Three Months Ended September 30,				Nine Months Ended September 30,
(in millions)	2021		2022		2021		2022
Beginning balance	$	35	$	18	$	34	$	40
Provision for credit losses	26		9		62		28
Write-offs	(23)		(9)		(58)		(50)
Ending balance	$	38	$	18	$	38	$	18