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The rules can be complex so you’ll want to educate yourself thoroughly and consider consulting a financial planner to figure out the best claiming strategy.

Consider using a Social Security claiming calculator or talking with a financial planner to determine the best strategy for your individual situation.

State planners don’t see a turnaround in the offing, either.

Victoria Hills, chief executive of the Royal Town Planning Institute, said: "These latest figures show that developers are submitting fewer applications, significantly limiting the number of projects that planners can approve."

Bobbi Rebell, a certified financial planner and the author of several personal finance books, said in the absence of the CFPB’s enforcement authority, consumers could benefit from “being their own advocate.”