Subject: File No. S7-41-11
From: Herbert L. Wilson

December 24, 2011

To Whom it May Concern

I am not a member of the financial community but I am a knowledgeable citizen.

I believe that the Volker Rule should be implemented immediately as a part of Dodd-Frank.   This is a major part of avoiding another mess like we have now.   A better solution would be to simply reinstate Glass-Steagall, but but that is not going to happen so this will have to do.

Thank you for taking my opinion into your decision process.


Herbert L. Wilson