Subject: File No. S7-05-22
From: Baris Yildirim-Alicea
Affiliation: Retail Investor

February 19, 2022

I believe shortening the settlement dates will prove beneficial to retail investors and the market as a whole. It will prevent nefarious trading tactics by large hedge funds and require them to locate a borrow faster. Next step would be to require those borrows to be hard borrows and not IOUs.