15 unchanged sentences
Impact on Pre-Tax earnings if Interest Rates:
−Removed: As of June 30, 2022
+Added: As of September 30, 2022
Increase 100 Basis Points
7 unchanged sentences
In addition, we believe this risk is mitigated by our deep experience in customer service and collections from over 25 years of operations.
−Removed: The following table summarizes (in millions) the potential effect on pre-tax earnings and the potential effect on the fair values of loans on our consolidated balance sheet as of June 30, 2022, based on a sensitivity analysis performed by management assuming an immediate hypothetical change in credit loss rates by 10% for the next 12 months. 
+Added: The following table summarizes (in millions) the potential effect on pre-tax earnings and the potential effect on the fair values of loans on our consolidated balance sheet as of September 30, 2022, based on a sensitivity analysis performed by management assuming an immediate hypothetical change in credit loss rates by 10% for the next 12 months. 
The sensitivity does not factor in other associative impacts that could occur in such a scenario. 
3 unchanged sentences
Impact if Credit Loss Rates:
−Removed: As of June 30, 2022
+Added: As of September 30, 2022
Increase 10 Percent
9 unchanged sentences
The discount rates for our Loans, interest and fees receivable, at fair value may change due to changes in expected loan performance or changes in the expected returns of similar financial instruments available in the market. 
−Removed: The following table summarizes (in millions) the potential effect on pre-tax earnings and the potential effect on the fair values of loans on our consolidated balance sheet as of June 30, 2022, based on a sensitivity analysis performed by management assuming an immediate hypothetical change in required market rates of return by 10%. 
+Added: The following table summarizes (in millions) the potential effect on pre-tax earnings and the potential effect on the fair values of loans on our consolidated balance sheet as of September 30, 2022, based on a sensitivity analysis performed by management assuming an immediate hypothetical change in required market rates of return by 10%. 
The fair value and earnings sensitivities are applied only to financial assets that existed at the balance sheet date, which included all of our loans, interest and fees receivable, at fair value and our loans, interest and fees receivable, gross. 
1 unchanged sentence
Impact if Discount Rates:
−Removed: As of June 30, 2022
+Added: As of September 30, 2022
Increase 10 Percent
8 unchanged sentences
We may also take active and passive account actions including limiting purchases, assessments of additional fees or increases in interest rates if results indicate a possible exposure.
−Removed: The following table summarizes (in millions) the potential effect on pre-tax earnings and the potential effect on the fair values of loans on our consolidated balance sheet as of June 30, 2022, based on a sensitivity analysis performed by management assuming an immediate hypothetical change in payment rates by 10% for the next 12 months. 
+Added: The following table summarizes (in millions) the potential effect on pre-tax earnings and the potential effect on the fair values of loans on our consolidated balance sheet as of September 30, 2022, based on a sensitivity analysis performed by management assuming an immediate hypothetical change in payment rates by 10% for the next 12 months. 
The sensitivity does not factor in other associative impacts that could occur in such a scenario. 
3 unchanged sentences
Impact if Payment Rates:
−Removed: As of June 30, 2022
+Added: As of September 30, 2022
Increase 10 Percent
5 unchanged sentences
We seek to mitigate this risk by ensuring that we have sufficient borrowing capacity with a variety of well-established counterparties to meet our funding needs.
−Removed: As of June 30, 2022, we had total borrowings associated with our loans, interest and fees receivable, at fair value and our loans, interest and fees receivable, gross of $1.4 billion.
+Added: As of September 30, 2022, we had total borrowings associated with our loans, interest and fees receivable, at fair value and our loans, interest and fees receivable, gross of $1.5 billion.
Refer to Part I, Item 2, "Management's Discussion and Analysis of Financial Condition and Results of Operations –
−Removed: Liquidity, Funding and Capital Resources" and Note 9 “Notes Payable”
+Added: Liquidity, Funding and Capital Resources" and Note 10 “Notes Payable”
to our consolidated financial statements included herein for further information on our outstanding Notes Payable.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.