While the Dodd-Frank Act calls for sweeping changes to bank accounts and fees, mortgages, credit cards and other instruments of personal finance, only a handful of reforms have gone into effect.

A whole new government agency, the Consumer Finance Protection Bureau -- where consumers can go to find financial information and file complaints -- is up and running, but it is only a shell of what the law calls for.

One year after the law came out of Congress, rule making has been painfully slow while lobbying is underway to soften its impact.

Find out what new federal rules will have an impact on your financial life, and those that have yet to see the light of day.

• Dodd-Frank: financial regulation in neutral
  A year after the law was approved, many consumer finance rules have yet to be carried out.
• Higher banking fees on the horizon
  New caps on debit card swipe fees could prompt banks to charge more for banking services.
• FinReg lags one year after Dodd-Frank
  One year after the Dodd-Frank Act, the results have barely gotten off the ground.
• Feds expand free credit score rules
  As of July, more consumers will get a free peek at their credit scores.
• 7 hidden gems of financial reform
  Buried in the law are payday loan alternatives, legal help to fight foreclosure and five more perks.
• Financial reform: winners and losers
  Financial reform will have a far-reaching effect. Find out what the new law will mean for you.
• Bair with the banks: a tough term at FDIC
  Bair kept banks afloat in the downturn while advocating reforms to avoid a future collapse.
• Q&A with consumer cop Elizabeth Warren
  A presidential adviser talks about new consumer safeguards that will take shape in 2011.
• 6 ways to avoid pesky overdraft fees
  You have more options for dodging bank overdraft fees than you think. This is what you can do.
• Audio: Swipe fees could cost consumers
  Retailers won the war against banks to lower debit card swipe fees, but at what cost to consumers?