Subject: Comments regarding File Number S74111

February 9, 2012

I'm writing in support of a strong Volcker Rule. My family and I were affected by the economic collapse of 2008, and we don't want it to happen again.

I want my banks to be boring and dependable -- a utility, like how I get my water. What they're doing now is more like getting on a bus, and then realizing that it's some sort of freaky unregulated test vehicle that has a tendency to kill random passengers.

Banks that break the rule should face swift, automatic penalties for violations. Violations of the Volcker Rule endanger the stability of our financial system. They should not be treated lightly.

Exemptions should only be allowed if they do not undermine this goal. If an exemption would result in exposing consumers and taxpayers to bank risk, it should be rejected.

Thank you for considering my comment,

Randy Childers

Merriam, KS