Subject: File No. S7-06-13
From: Aaron Gillingham
Affiliation: Equity Investor

December 7, 2014

Banking regulations are hurting the economy. As an accountant who works with small businesses I see successful small business unable to access capitol.

If accredited investor criteria is tighten and as a result $500 billion is taken out of the lending market place that is used to help finance small and medium sized companies, I feel this action would significantly slow the economy.