Subject: File Number SR-FINRA -2009-008

April 16, 2009

Florence Harmon
Deputy Secretary, Securities and Exchange Commission
100 F Street, NE
Washington, DC 20549

Florence Harmon:

I have been in the insurance and financial services field for 17 years. I STRONGLY OPPOSE the recommended changes to the U4 and U5 regarding arbitration and civil litigation.

I do not believe arbitration and civil litigation should be required to disclose, particularly if it has nothing to do with insurance and/or financial services. Even then, I believe an individual is innocent until proven guilty. With today's litigious society, an individual can be sued where the action is completely unfounded.

Please do NOT pass this legislation.


Janice K Nielsen