OneMain Financial will look for M&A opportunities. Doug Shulman, Chairman and Chief executive Officer said during the RBC Capital Markets' Financial Institutions Conference, "we have a very clear framework. The number one thing we do with our capital is we invest in the business.

So I talked about that 15% of equity or the capital that's left over, we put into loans. So we make loans that make our 20% return. We issue credit cards that do that.

We do auto loans. And so we put money into the business. We also put money into the business to position it for the long term, so whether it's technology, data and analytics, product development.

And so we're investing there. And that's always going to be our priority because we are focused on being a great company 5 years from now, 10 years from now. That's going to be mean our customers are going to get treated really well, our employees are going to like to work there and our shareholders are going to be rewarded.

We then opportunistically look at M&A opportunities. We haven't done a ton. Since I've been here, we've looked at about 100 and we've pulled the trigger on 2 pretty small ones: Trim, which is our financial wellness platform; and Foursight, which was a tuck-in auto acquisition.

We don't think that we need to add anything now. And we will close Foursight sometime soon. Hopefully, we're just waiting for some regulatory approval.

But -- and so our priority is to integrate Foursight, make sure we get that tied in with our current auto business. But we'll opportunistically look at M&A opportunities for -- that will accelerate the growth path that I laid out".