November's midterm congressional elections will bring abrupt change in 2011: Republican Party control in the House of Representatives, a new tone in Washington and a raft of potential new policy initiatives in the 112th Congress. The elections usher in a return to divided government following two years of unified Democratic control pushing an ambitious legislative agenda. However, the Democrats' continued control of the Senate and President Barack Obama's veto will help keep controversial legislation in check. Divided government could mean either bipartisan cooperation and compromise -- or gridlock and inaction. With regard to the Wall Street Reform Act, while certain sections of the law may be reviewed, any extensive or controversial revisions that pass the House would likely not survive the Democrat-controlled Senate. ICBA is well positioned to continue representing the community banking policy agenda. The cyclical nature of party control makes it important to build strong relationships with elected officials and candidates on both sides of the aisle.