GSE reform and the appointment of public interest directors to the boards of the Federal Home Loan Banks are at the top of the list of the issues the Banks plan to resolve with lawmakers and regulators, now that the Democratically-controlled 110th Congress is up and running. Other issues will include changes to the Affordable Housing Program, FHLBank guarantees of municipal bonds, and privately insured credit unions joining the FHLBank System. The Democrats have provided a