A torrent of new rules for Wall Street and U.S. banks is pouring off Capitol Hill into the federal regulatory agencies, unleashed by the devastating 2008-2009 financial crisis. The agencies is where the action will be this year and next as regulators, lobbyists and lawmakers struggle to implement the Dodd-Frank financial reforms. With parallel efforts under way in Europe, Dodd-Frank — enacted on July 21 — is likely to be implemented as written, though banks are lobbying for softening parts of it to protect their profits and business models. Here’s what lies immediately ahead and a look into 2011: DEBIT CARD FEES: Dodd-Frank ordered cuts in the fees that banks charge on debit card transactions, but left details unclear, saying fees must be “reasonable and proportional.”