Subject: File No. S7-05-22
From: Tim F.
Affiliation:

February 10, 2022

Of course the transaction time should be reduced to one day. Why should clearing houses and traders be given the opportunity to make more money off our money. In addition, has anything been done to shorten the days on the fictitious shares that are created and traded? Requiring Real Procurement of the Actual Share or Cash? This seems to be a major item that causes extreme manipulations that harm the public/Mainstream investors