Here are the 12 stocks Jim Cramer is watching, including a dire consumer forecast

Here are some of the tickers on my radar for Thursday, Sept. 28, taken directly from my reporter's notebook:

JPMorgan retail analyst Matt Boss sees lower to middle-class consumers facing horrendous headwinds. Backdrop worsening: mortgage rates up, credit card debt up, wages not keeping pace, trade down in apparel. Unemployment rate at 18-month high, personal savings rate below 2019 levels. Burdened by essentials and resumption of student loan payments.

Banks are facing mounting uncertainty as the commercial real estate sector continues to struggle. In an in-depth report, we looked at tailwinds in our financial names,

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