Key Takeaways Lower interest rates are supporting net interest income expansion for the consumer loan industry. Enova is diversifying products and acquiring Grasshopper Bancorp to boost scale and earnings. Ally Financial and OneMain Holdings expect earnings growth from restructuring and rising loan demand.Falling interest rates and easing lending standards are brightening the outlook for the Zacks Consumer Loans industry. The Federal Reserve implemented its third consecutive interest rate cut in December, p ...

Group 1 - The Social Security Administration (SSA) is facing significant delays in processing disability insurance claims, with some individuals waiting over six months for responses [2][5] - Approximately 10,000 individuals die each year while waiting for their disability determinations, highlighting the urgency of the situation [3] - The SSA's staffing levels have not changed in 27 years, contributing to a "customer service crisis" as nearly 10,000 baby boomers retire daily, increasing the demand for services [4][5] Group 2 - Inflation-related concerns are affecting retirees, as the Cost of Living Adjustments (COLAs) are not keeping pace with the real financial pressures faced by many Americans [5] - Younger investors are encouraged to start saving for retirement early, and consulting a financial advisor is recommended as a proactive step [6]