Subject: Comments regarding File Number S74111

February 9, 2012

Im writing in support of a strong Volcker Rule. My family and I were affected by the economic collapse of 2008, and we dont want it to happen again.

As you prepare the final rule, bear in mind the fundamental goal of the rule to ban big banks from exposing consumers and taxpayers to risky proprietary trades.

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.

Exemptions should only be allowed if they do not undermine this goal. If an exemption would result in exposing consumers and taxpayers to bank risk, it should be rejected.

Isn't the definition of Capitalism that you invest your capital? Not other's unknowingly- which is basically what the rules let the banks do. Too Big To Fail means it would hurt America if you went under, because you are speculating/ gambling with America's money. If someone wants to gamble their own money fine. But a bank shouldn't be able to risk this. It's happened twice in my lifetime . We need regulation that keeps the banks from being gamblers.
Thank you for considering my comment,

Dyanne DiRosario

Glendale, CA