WASHINGTON - A month after enactment of financial reform, regulators and industry officials are grappling with the legal details and divergent predictions about exactly how it will change the delivery of banking, securities, and insurance services.

The uncertainty that has followed initial jubilation over passage of the long-sought law was borne out Wednesday at a Women in Housing and Finance symposium on ramifications for corporate structures, regulation, and consumer privacy. Nearly 200 industry insiders disagreed over how soon the 400-plus-page law will spark more megamergers, who would buy whom, and whether financial services companies face more federal red tape or less.

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