Subject: Comments regarding File Number S74111

February 9, 2012

Please move to enact a strong Volcker Rule. The fundamental goal of the rule - to ban big banks from exposing consumers and taxpayers to risky proprietary trades -- is necessary to prevent our economy from another economic collapse. My family and I were affected by the collapse of 2008, and we don't want it to happen again!

Banks that break the rule should face swift, automatic penalties for violations. Violations of the Volcker Rule endanger the stability of our financial system. They should not be treated lightly.

Thank you.

Steve Dickman

Vestal, NY