Although it may undergo further tweaking during the remainder of the legislative process, a new reform bill for the government-sponsored enterprises would significantly change the way Fannie Mae and Freddie Mac support affordable housing. Lawmakers in the Senate last week adopted S. 190, the “Federal Housing Enterprise Regulatory Reform Act of 2005,” along partisan lines 11 to nine. The bill would create a new regulator for Fannie, Freddie, and the Federal Home Loan Banks, but…