There’s still a chance that Congress will finalize a GSE reform bill in 2005, but it appears that lawmakers will have to work well into December to make that happen. It looked earlier this month like momentum was building for a House plan that would create a new regulator for Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. Rep. Michael Oxley, R-OH, chairman of the House Financial Services Committee, announced plans for a…