Subject: S7-18-21: WebForm Comments from Joseph
From: Joseph
Affiliation:

Oct. 29, 2022

October 29, 2022

 It seems likely that the Proposed Rule will increase the cost and reporting burden of
 borrowing securities, regardless of the reason for taking the loan (e.g., to cover short sales,
 to close a fail-to-deliver, to access voting rights, etc.). An unintended consequence could be
 to tilt the brokers cost/benefit analysis in favor of fails to deliver.
 The subject proposed rule enables and perpetuates on-going systemic problems. Real
 reform for securities lending must include:
 (1) Notifying the public about who is borrowing and lending shares (not just which
 companys shares are being borrowed or lent).
 (2) Notifying retail investors with street name shares that their shares are being lent,
 (because (a) they don't get to vote and (b) they don't get tax-qualified dividends). SEC must
 adopt a more consistent interest in regulating, monitoring, and enforcing rules that require
 brokers to keep accurate records of ownership.