| 词条 | Synchrony Financial |
| 释义 |
| name = Synchrony Financial | logo = Synchrony_Financial.svg | type = Public company | traded_as = {{NYSE|SYF}} S&P 500 Component | industry = Financial services | foundation = {{start date and age|2003|9|12}}[1] | location_city = Stamford, Connecticut, United States[2] | key_people = Margaret M. Keane[3] President and CEO | products = Credit cards Payment systems | brands = | revenue = {{nowrap| {{increase}} US$13.530 billion (2016)[2]}} | net_income = {{nowrap| {{increase}} US$2.251 billion (2016)[2]}} | assets = {{nowrap| {{increase}} US$90.207 billion (2016)[2]}} | equity = {{nowrap| {{increase}} US$14.196 billion (2016)[2]}} | num_employees = 15,000 (2016)[2][9][4] | slogan = | homepage = {{URL|https://www.synchronyfinancial.com/|synchronyfinancial.com}} }}Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States.[2] The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending, and FDIC insured savings products through Synchrony Bank, its wholly owned subsidiary.[2] HistorySynchrony traces its roots to 1932.[5] Prior to its 2014 initial public offering, which raised $2.88 billion, Synchrony operated as a subsidiary of GE Capital.[5][6][7] Synchrony Bank, a wholly owned subsidiary of Synchrony Financial, was previously known as GE Capital Retail Bank until June 2014.[8] In March 2017, Synchrony acquired GP Shopper.[9][10] Current operationsSynchrony is the largest provider of private label credit cards in the U.S. In 2014, the company comprised 42 percent of the private label credit card market.[11] The company provides private label credit cards for such brands as Amazon, Cathay Pacific, CheapOAir, OneTravel,[12] Lowe’s,[13] Guitar Center,[14] Gap,[15] BP,[16] Ashley HomeStores,[17] Discount Tire,[17] J.C. Penney, and P. C. Richard & Son.[17] The CareCredit credit card, also offered through Synchrony Bank, is for healthcare procedures or services such as dental, veterinary, cosmetic, vision, and audiology.[18] Accusations of deceptive practices and CFPB consent decreeIn June 2014, Synchrony agreed to pay $225 million after entering into a consent decree with the U.S. Consumer Financial Protection Bureau. The CFPB alleged "deceptive and discriminatory practices" regarding Synchrony's consumer credit cards.[19] With regards to the practices that the CFPB called "deceptive," it was alleged that, while operating as GE Capital, Synchrony telemarketers had sold numerous credit card add-on services, such as debt cancellation agreements, to consumers without notifying the buyer in an upfront manner of the terms of the agreements. According to the CFPB, in many cases, consumers were unaware that they would be charged for these services. With regards to the practices the CFPB called "discriminatory," it was found that Synchrony had discriminated against Latino Americans by excluding from two different promotional statement credit deals customers who had elected to receive communications in Spanish and customers with mailing addresses in Puerto Rico. The promotional deals were offered from 2009 until 2012 to customers with delinquent accounts and allowed them to settle their balance with Synchrony Financial by paying some amount which was less than the outstanding balance, under certain conditions. It is not known why Synchrony chose not to offer this promotion to its Spanish speaking Hispanic customers other than based on U.S. Department of Commerce Statistics that Hispanics are much more likely (67% more likely) to have minimum balances and overdrawn accounts than any other racial group, but the CFPB found that this practice constituted "discriminat[ion]... on the basis of... race and national origin." References1. ^{{cite web|url=https://www.forbes.com/companies/synchrony-financial/|title=Synchrony Financial on the Forbes Global 2000 List|work=Forbes|date= |accessdate=2016-10-04}} 2. ^1 2 3 4 5 6 7 [https://www.sec.gov/Archives/edgar/data/1601712/000160171217000031/synchrony1231201610k.htm SYNCHRONY FINANCIAL 2016 Form 10-K Annual Report] 3. ^{{cite news | last = Schawbel | first = Dan | title=Margaret Keane: How Synchrony Financial Built A Winning Culture | publisher=Forbes | date=May 10, 2015 | url = https://www.forbes.com/sites/danschawbel/2015/05/10/margaret-keane-how-synchrony-financial-built-a-winning-culture/ | accessdate = June 3, 2015}} 4. ^{{cite web | url=https://www.synchronyfinancial.com/careers.html | title=Synchrony Financial Careers - We're Hiring | website=Synchrony Financial}} 5. ^1 2 [https://www.synchronyfinancial.com/financial-fact-sheet.html Synchrony Financial Fact Sheet] 6. ^{{cite news | url=https://dealbook.nytimes.com/2014/03/13/g-e-files-to-spin-off-retail-finance-unit/ | title=G.E. Files to Spin Off Retail Finance Unit | last=De La Merced | first=Michael | newspaper=New York Times | date=March 13, 2014}} 7. ^{{cite news | url=https://www.reuters.com/article/us-synchronyfinancial-ipo-idUSKBN0G000O20140731 | title=GE credit card unit Synchrony Financial prices IPO at $23 per share | work=Reuters | date=July 30, 2014}} 8. ^{{Cite news|url=https://www.wsj.com/articles/the-best-places-to-stash-your-cash-1402093504|title=The Best Places to Stash Your Cash|last=Andriotis|first=AnnaMaria|work=WSJ|access-date=2018-11-22|language=en-US}} 9. ^{{cite web | url=https://www.reuters.com/article/brief-synchrony-financial-to-buy-gpshopp-idUSASB0B65O | title=BRIEF-Synchrony Financial to buy GPShopper | publisher=Reuters | date=March 20, 2017}} 10. ^{{cite press release | url=http://www.businesswire.com/news/home/20170320005247/en/Synchrony-Financial-Broaden-Cutting-Edge-Mobile-Commerce | title=Synchrony Financial to Broaden Cutting Edge Mobile Commerce Solutions for Retailers Through its Acquisition of GPShoppe | publisher=Business Wire | date=March 20, 2017}} 11. ^{{cite news | last = Picker | first = Leslie | title = GE Overhang Looms for Synchrony Before Planned IPO | publisher = Bloomberg | date = July 31, 2014 | url = https://www.bloomberg.com/news/articles/2014-07-30/ge-overhang-looms-for-synchrony-before-planned-ipo | accessdate = June 3, 2015}} 12. ^{{cite news | last = Kapadia | first = Milanee | title = Credit card issuer says the "consumer is back" | website = Yahoo Finance | publisher = Yahoo | date = November 24, 2014 | url = https://finance.yahoo.com/news/credit-card-issuer--the-american-consumer-is-back-143029068.html;_ylt=AwrBEiGsj3NUWwsAL0fQtDMD | accessdate = June 3, 2015}} 13. ^{{cite news | last = Johnson | first = Andrew | title = GE Plans Credit-Card IPO as Plastic Gets Popular; New Company to Be Called Synchrony Financial | newspaper = The Wall Street Journal | publisher = Dow Jones & Company Inc. | date = March 13, 2014 | url = https://www.wsj.com/articles/SB10001424052702303546204579436793107211978 | accessdate = June 3, 2015}} 14. ^{{cite news | last = Passeri | first = James | title = GE Spinoff Synchrony Financial Is Still Trying to Stand on Its Own | newspaper = The Street | publisher = TheStreet, Inc. | date = April 17, 2015 | url = http://www.thestreet.com/story/13116855/1/ge-spinoff-synchrony-financial-is-still-trying-to-stand-on-its-own.html | accessdate = June 3, 2015}} 15. ^{{cite news | last = Nash | first = Kim | title = GE Spin-Off Synchrony Financial Builds Tech to Support Growth Plans | newspaper = The Wall Street Journal | publisher = NewsCorp | date = May 14, 2015 | url = https://blogs.wsj.com/cio/2015/05/14/ge-spin-off-synchrony-financial-builds-tech-to-support-growth-plans/ | accessdate = June 3, 2015}} 16. ^{{cite news | last = Tierney | first = Jim | title = BP Upgrades Loyalty Program for Greater Value Proposition | website = Loyalty 360 | publisher = Loyalty 360 | date = March 3, 2015 | url = http://loyalty360.org/resources/article/bp-upgrades-loyalty-program | accessdate = June 8, 2015}} 17. ^1 2 {{cite news | last = Walston | first = Chuck | title = GE: How The Upcoming Spin-Off Will Prove Profitable | website = Seeking Alpha | publisher = Seeking Alpha | date = March 31, 2014 | url = http://seekingalpha.com/article/2117973-ge-how-the-upcoming-spin-off-will-prove-profitable?page=2 | accessdate = August 19, 2015}} 18. ^{{cite news|title = Samsung Finally ‘Unpacks’ Samsung Pay | url = http://www.pymnts.com/news/2015/samsung-finally-unpacks-samsung-pay-2/#.VdSfirJVikp | accessdate = 19 August 2015 | publisher = PYMNTS | date = 14 August 2015}} 19. ^{{cite press release | url=https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-ge-capital-to-pay-225-million-in-consumer-relief-for-deceptive-and-discriminatory-credit-card-practices/ | title=CFPB Orders GE Capital to Pay $225 Million in Consumer Relief for Deceptive and Discriminatory Credit Card Practices | publisher=Consumer Financial Protection Bureau | date=June 19, 2014}} External links
| name = Synchrony Financial | symbol = SYF | sec_cik = SYF | yahoo = SYF | google = SYF }}{{50 largest US banks}}{{Credit cards}} 5 : Credit cards|Companies based in Stamford, Connecticut|Companies listed on the New York Stock Exchange|Financial services companies of the United States|2014 initial public offerings |
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