The head of the Federal Home Loan Bank of New York has a warning for small lenders: Don’t let large institutions control the destiny of GSE reform, or you might get bigger changes than you bargained for. “Quite simply, [the political] risk is that there are some 800-pound gorillas on this playing field,” said FHLBank of New York President Alfred DelliBovi during a speech last week before the Independent Bankers Association of New York State.