Subject: Comments regarding File Number S74111

February 10, 2012

I'm writing in support of a strong Volcker Rule. My family and I were affected by the economic collapse of 2008, and we don't 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. No more socializing their losses by charging them to the public till. They do not act in the public's interest -- they act on their own. Therefore, they should prosper or fail on their own merits, rather than use public funds as a "bank of Mom and Dad."

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.

Thank you for considering my comment,

Lisa Kazmier

Manville, NJ