Subject: File No. S7-31-08
From: Frances Clark

October 17, 2008

Shouldn't these short sells be made public information? As I understand, these are revealed only on the forms which are not available for a period of months.

New regulations must be addressed to contain the excesses perpetrated by large banking interests - credit card debt is smothering average people. Their fault? Not when the power is all in the hands of the huge institutions. Get some regulations that may cut credit availability, but will protect people against getting sucked into these whirlpools of never ending debt. Bottom line: Regulations are needed and now.