Does Senate Banking Chairman Christopher Dodd's decision to retire help or hurt the odds of  financial regulatory reform being enacted? 

Observers told the American Banker that it's a plus. The idea, espoused by American Bankers Association president and chief executive Edward Yingling and former Republican Sen. John Sununu, is that, with no campaign to run, Dodd is freer to focus on the legislation -- and his legacy. 

But others claim his lame-duck status could make moving legislation tougher.

Do you think Dodd’s impending retirement makes regulatory reform more or less likely? Post a comment below.