Subject: File No. S7-24-15
From: Bill Williamson

January 30, 2020

I oppose this rule.

I do not understand what problem this proposed rule solves.

I make my own investment decisions and not need nor want a third party or agent involved.

In my opinion, this rule will be a significant and pointless restraint on a free market. It will needless drive up costs and very likely destroy the market.