Subject: File No. S7-05-22
From: Brayan Hernandez
Affiliation: Analyst

February 17, 2022

Hello SEC,

I am concerned with why these proposed changes have to be applied in 2024, this should be an immediate change for the sake of market integrity.

Further, the short selling currently going on is aided by these long settlement dates. And further facilitated by the use of off exchange platforms, those commonly referred to as dark pools.

Why these are not banned yet is of upmost concern for regular joe traders like me.

The manipulation in the markets is blatant and requires quick and effective action.

Short selling is a practice that has causes issues since its inception and needs to be addressed properly. Retail does not like the can getting kicked down the road at their expense.