Will government-sponsored enterprise reform be affected by Republicans taking back control of the Senate? The first reactions from the industry and punditry indicate there are three possibilities: yes, no, and we can't be sure.

Chris Whalen, senior managing partner of Kroll Bond Rating Agency in New York, is squarely in the "no" camp. "I don't think it's going to affect it one way or another. There's no catalyst for change," he said.

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