A year after the passage of the Dodd-Frank financial regulatory reform act, much of the law’s changes remain unimplemented and in limbo. They may stay that way until the 2012 election. Until then, buyer beware.

“Republicans have very different ideas about these issues than the Democrats,” said Hal Scott, Nomura Professor at Harvard Law School. “So a wildcard here is if stuff’s not implemented by November 2012, the Republicans get control of the White House and the Congress, all bets are off.”

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