Subject: File No.
From: Thomas F Lynch, Jr
Affiliation: Financial Services Professional

October 28, 2010

I am more and more concerned with the so called "reform". There are more than enough disclosures, suitability and transparency procedures in place.

I worry that polictical pressures are forcing legislation for legistlation sake.

Unfortunately clients don''t read the hundreds of pages of discloures and regulations we already have.