Subject: File No. 265-29
From: William Michael Cunningham
Affiliation: Social Investing Advisor

October 27, 2015

We refer the Commission and the Committee to the following:

Cunningham, William Michael, Comments to the SEC on The Annual Government-Business Forum on Small Business Capital Formation. Wednesday, October 5, 2006. Online at: https://www.sec.gov/comments/4-526/4526-1.pdf

Transaction Cost Theory of the Financial Crisis. http://www.prlog.org/10746429-firm-releases-transaction-cost-theory-of-the-financial-crisis.html

Cunningham, William Michael, Racial Bias in Securitization and Community Lending http://twisri.blogspot.com/2009/08/wells-fargo-sued-for-racially-biased.html

Cunningham, William Michael, The relationship between investment banks and the economy http://twisri.blogspot.com/2009/03/why-market-failed.html

Cunningham, William Michael, Mortgage GSEs, Predatory Lending and Minority Banks (2007 Prediction: Bear Stearns Will Fail.) http://twisri.blogspot.com/2007/08/morgage-gses-predatory-lending-and.html

Cunningham, William Michael, Adam Smith on the Current Financial Crisis. http://twisri.blogspot.com/2009/04/adam-smith-on-current-financial-crisis.html

Cunningham, William Michael, Property Flipping Remediation Yields Investment-grade Security http://www.socialfunds.com/news/article.cgi?sfArticleId=682

Cunningham, William Michael, Comments to the SEC: The Coming Crisis. 12/2003. http://www.sec.gov/rules/proposed/s71903/wmccir122203.pdf