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Winner or loser: Mortgage shopper Rate changes by the Fed can affect consumers' budgets. Here's how the Fed's announcement affects mortgage shoppers and ARM holders. Winner or loser: Home equity loans Rate changes by the Fed can affect consumers' budgets. Here's how the Fed's announcement affects home equity loans and lines of credit. Winner or loser: Auto loans Rate changes by the Fed can affect consumers' budgets. Here's how the Fed's announcement affects auto loan rates. Winner or loser: Credit cards Rate changes by the Fed can affect consumers' budgets. Here's how the Fed's announcement affects credit card interest rates. Watch for 'cash for clunkers' scams Don't give out personal data to a middleman, and make sure a dealer isn't sneaking in unwanted fees.