Banking issues are going to be front and center of the 112th Congress. Revisiting portions of Dodd-Frank, retooling or possible winding-down of Fannie Mae and Freddie Mac, FHA reforms, re-examination of the Community Reinvestment Act - regardless of who's chairing the Senate Banking and the House Financial Services Committees, you can count on these issues being the subject of lively hearings and legislative actions. The new leadership of both the Senate Banking and House Financial Services Committee are likely to focus on GSE reform, a close monitoring of the CFPB and scores of oversight hearings on studies and reports mandated by the financial reform legislation - and that's just for starters.