With the election of Barack Obama as the next U.S. President, we know who our nation’s leader will be for the next four years. The real question is: What kind of change are we talking about for the banking industry? The question is less about if greater regulatory oversight is coming, but when. The next Treasury secretary will be highly visible, with great opportunity to make an impact upon banking industry. It’s time for President-elect Obama to start naming his Cabinet appointees.”]