Consumer protection law enforcers will now require banks to show evidence of opt-in agreements

Fixed-rate mortgages moved even lower this week

The federal judge rejected the challenge, which was backed by the American Bankers Association

Study reveals 58% of consumers use cashback cards

Shifting risk composition caused greater risk credit cards to be issued

Gen Z faces financial dependence with 52% not earning enough for their desired lifestyle

Consumers are also cutting back on essential and nonessential spending to cover costs

Growth attributed to increased demand for convenient and flexible payment methods

Figures included 35% who believe they will never achieve financial security

Customer spending has continued to rise, while repayments decline