Subject: File No. S7-32-10
From: Anonymous

December 16, 2021

(1) Notifying public about who is borrowing lending shares (not just which companys shares are borrowed or lent),(2) Notifying retail investors that their shares are being lent, (because (a) they don't get to vote (b) they don't get tax-qualified dividends),
(3) Sharing any revenue earned from lending their shares with retail investors,(4) Eliminate Onward Lending completely (public companies transfer agents have opposed this for decades),
(5) Require every loan to have a due date (not if applicable).