Finance Charges and Other Revenue
 3 Months Ended
Apr. 30, 2018
Supplemental Disclosure of Finance Charges and Other Revenue [Abstract]  
Finance Charges and Other Revenues
Finance Charges and Other Revenues 
Finance charges and other revenues consisted of the following:
 
Three Months Ended 
 April 30,
(in thousands)
2018
 
2017
Interest income and fees
$
76,346

 
$
67,131

Insurance income
6,271

 
9,330

Other revenues
14

 
80

 
$
82,631

 
$
76,541


Interest income and fees and insurance income are derived from the credit segment operations, whereas other revenues are derived from the retail segment operations. Insurance income is comprised of sales commissions from third-party insurance companies that are recognized when coverage is sold and retrospective income paid by the insurance carrier if insurance claims are less than earned premiums.
During the three months ended April 30, 2018 and 2017, interest income and fees reflected provisions for uncollectible interest of $11.5 million and $10.0 million, respectively. The amount included in interest income and fees related to TDR accounts for the three months ended April 30, 2018 and 2017 are $5.8 million and $4.5 million, respectively. Insurance income decreased over the prior year period primarily due to a decrease in retrospective income as a result of higher claim volumes related to Hurricane Harvey.