The Dodd-Frank Act promises to force its way into the public consciousness as never before in 2014 as sweeping new mortgage requirements take effect. However, several additional issues promise to shape the landscape for financial services providers in 2014. Phil Schulman, a partner in the Washington, D.C., office of K&L Gates, predicted that reform of the government sponsored enterprises (GSE) will remain a hot topic. However, he doubted whether significant changes are in store in the immediate future.