Subject: OCC: OCC-2011-14, FRS: Docket No. R-1432 and RIN 7100 AD82, FDIC: RIN 3064-AD85

February 8, 2012

I'm writing in support of a strong "Volcker Rule." People across the country were devastated by the economic collapse of 2008, and we don't want it to happen again.

Canada has rules and Canada's economy is thriving.

We need the US to put in place a final rule that protects Americans and our economy in the same way. By separating risky proprietary trading from the traditional business functions of banking institutions, by banning proprietary trading at "too big to fail" banks, by reducing the risk that financial market gambles present to the safety of our whole financial system, and stopping conflicts of interest like those that saw Wall Street firms selling their customers deals they had designed to fail.

It is important to not let the rule be undermined by exemptions or exceptions.

The Dodd Frank Act instructs you to make sure that the activities big banks are permitted to engage in do NOT create the risk of another financial crisis.

Accomplishing this requires changes to current business practices on Wall Street. I urge you not to be swayed by financial industry interest in protecting a status quo that has benefited them and put the rest of us at risk.

It is also important that banks that break the rules should face severe penalties for violations. We do not want them to consider slaps on the wrist as a legitimate cost of doing business so they just continue to put Americans at risk.

Violations of the "Volcker Rule" will endanger the stability of our financial system. Violators should be subject to mandatory penalties significant enough that financial institutions will not even CONSIDER breaking the law.

Thank you for considering my views.