Subject: File Number S7-33-10: Whistleblower Award Program

December 7, 2010

Dear Ms. Murphy

I just signed a petition saying:

"More whistleblowing about corporate crimes could have made the foreclosure crisis and economic meltdown less severe. Whistleblowers should never be forced or engouraged to take their concerns to their potentially corrupt bosses first: Those who go directly to the government deserve the strongest rewards and protections allowed by law."

Bank of America has taken thousands of dollars from me in overcharged APR and hidden fees over the course of 3 years. Consumers need protection - banks need to be held honest.

Luke Hahle
Chicago, IL