Major U.S. bank reports material consumer-credit deterioration

Assume that by November 28, at least one major U.S. bank discloses a material deterioration in consumer-credit profitability after the Q3 baseline, such as a higher expected charge-off or delinquency path, a larger provision outlook, or a reduction in consumer-lending plans. The change is a reported credit or guidance development, not merely weakness in bank share prices. Explore possible effects on bank earnings, consumer-credit supply, lenders, and credit-sensitive demand without assuming a systemic banking crisis or a fixed loss amount.