the federal reserve reports today consumer borrowing rose at an annual rate of .7% from october to november. the feds citing increase in loans, including auto and student loans. it reports credit card debt fell for a record 27th month in a row. well, it used to be the bank gave you a home loan, you paid your mortgage to the bank and that was that. not anymore. these days lenders often cell mortgages it to other banks and investors. sometimes they security advertise them. you never know who holds your mortgage. a lot of people don't to this day. today, that process ended poorly for two banks. when the highest court in massachusetts ruled invalid two mortgage foreclosure sales. the banks behind those foreclosures were not the original lenders. and the court found that they failed to prove that they actually owned the mortgages. analysts warn this case could effect thousands of similar sales across the nation. that ruling led to a sell off in bank stocks today on a day when investors were already disappointed by a jobs report that wasn't quite as strong as