Subject: OCC: OCC-2011-14, FRS: Docket No. R-1432 and RIN 7100 AD82, FDIC: RIN 3064-AD85, SEC: S7-41-11

February 9, 2012

I want to urge strong support of the Volcker rule so that the big banks don't need another bailout. There is no reason any federally insured bank or bank holding company should be trading on their own account.

David Annis