WASHINGTON — In eight years the leather wallet likely will be a relic, homes may be guaranteed by an entity other than Fannie Mae or Freddie Mac and a President Chris Christie — or Hillary Clinton, if you prefer — could sign the Financial Services Reform Act of 2021 into law.

Predicting exactly what the world will look like 11 years after the Dodd-Frank Act was signed into law is a stretch, but history shows that congressional updates to the regulatory structure are cyclical and occur roughly once a decade.

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