Subject: File No. S7-18-21
From: Retail Investor
Affiliation: CPA

March 21, 2022

It would be Prudent to include strict guidance and deadlines with no exception that is far reaching when reporting lending activities. We all see hard working blue collar pension plans get crushed by malicious securities lending - Is this really the look our US markets want to display? We all know this area can be cancerous to the system even if it can be a tool for monetary policy. Overall market sentiment is set to crush the market in the 15-20 year window if this continues. It most likely wont even be crypto at that point, something new will come along and shock the world