“The election of professor Warren and re-election of New Jersey Sen. Robert Menendez and Ohio Sen. Sherrod Brown allow Democrats to flex their muscles on pushing rule-writing and funding for the CFPB and other parts of Dodd-Frank,” says Mayra Rodriguez Valladares, mananging partner at MRV Associates, a financial regulatory and capital markets firm. ¬†Beyond Dodd-Frank, Brown also may push for higher reserve requirements for banks considered “too big to fail,” Valladares says. That may help them ride out the next financial crisis, but it will also force them to keep more cash in low-yielding, risk-free investments, she says.