Subject: File No. S7-05-22
From: Concerned Retail Investor

February 22, 2022

Transparency, and Fair Market Structure and mechanics, are pivotal to any investor, esp individual retail investors.
Banning/restricting Internalized, PFOF, ATS would help improve market structure, and enable competitive price discovery.
Tighter settlement windows, is a step in the right direction, and we should work towards T0 settlements.

I support this proposal, however, this should be an immediate change for the sake of market integrity, and not 2 yrs out in 2024.

Additionally, there's much bigger changes are needed, esp on short selling, naked short selling, and esp FTDs (stock and ETF).
I hope we'll see more positive action from SEC going forward.