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With a Democrat set to take the White House in January, the agenda for agencies like the CFPB could undergo a rapid transformation, housing finance reform could be turned on its head and progressive banking ideas that were unthinkable over the past four years could gain traction.

The statement comes after multiple small and midsize institutions earlier this year warned the agencies that the secured overnight financing rate was ill-suited to them.

The race enters a complicated phase that could impact financial markets.

A Democratic victory in Tuesday's election would likely produce new leaders at the CFPB and OCC who could take bank regulation in a sharply different direction. Here are some names potentially under consideration.

The Assistant Secretary for Housing and Federal Housing Commissioner at the Department of Housing and Urban Development says HUD is removing regulatory barriers to the proliferation of manufactured housing.

With the real estate market in desperate need for more housing stock, some industry leaders are pinning their hopes on governmental policies to make building more affordable. But how the two presidential candidates may approach these issues varies greatly.

The agency’s consolidation of supervision and enforcement policy into one office could compromise the independence of those deciding when to investigate alleged wrongdoing by banks and others, critics of the move say.

The legislation would extend to the banking system the Civil Rights Act's protections for customers of hotels and restaurants.

The agency confirmed that loans backed by Fannie Mae and Freddie Mac can continue avoiding debt-to-income limits as the bureau completes a revamp of the Qualified Mortgage standard.

CEO Charlie Scharf disappointed investors by failing to provide either a detailed road map for long-term expense reductions or say when he might release such a plan.