Subject: File No. S7-18-21
From: F. Amber
Affiliation: Business owner

December 4, 2021

I think that there need to be much more disclosure around the lending of securities, most importantly with the intention to short sell. It needs to be automatically reported with a computer program,that is subject to inspection and with the understanding that whatever the machine is doing it has been programmed to do and there is someone who is responsible for telling the computer what commands are most important. I would also like to say that dark pools and other ways of trading securities off market need to be either eliminated or heavily supervised because the whole reason we trade on market is for price discovery and when 40%-70% of daily trades occur on a non lit market you are not able to get accurate price discovery.