The stock market falls to session lows, with notable weakness in consumer discretionary (-2.3%). Retailers are down 3.9%. Home Depot (HD 22.29, -1.30) and Lowe's (LOW 20.71, -0.99) are the main laggards. The Federal Reserve said banks continue to tightened standards on loans, and there has been more tightening for commercial real estate loans. The financial sector is down 0.7% this session.