Subject: File No. S7-10-21
From: Concerned millennial trader and investor
Affiliation: Compliance analyst

August 30, 2021

1. Do you have one or more online trading or investment accounts?
Yes, I have one or more accounts that I access both online using a computer and using a mobile app.

2. If your response to Question 1 is Yes, do you think you would trade or invest if you could not do so online using a computer or using a mobile app?
Yes

3. On average, how often do you access your online account?
Daily/more than once a day

4. On average, how often are trades made in your online account, whether by you or someone else?
Less often than once a month.

5. If you access your account online, did you have the account first, and only began to access it electronically later? Or did you open the account with the idea that you would access it electronically immediately?
I had a pre-existing account and downloaded an app or visited a website to access my account

6. My goals for trading or investing in my online account are (check all that apply):
Save and grow my money for short-term goals (in the next year or two)
Save and grow my money for medium- to long-term goals

7. What would you like us to know about your experience with the features of your online trading or investment platform? (Examples of features are: social networking tools games, streaks, or contests with prizes points, badges, and leaderboards notifications celebrations for trading visual cues, like changing colors ideas presented at order placement or other curated lists or features subscription and membership tiers or chatbots.)
Option to route my trades directly with certain exchanges and the option to pay for trades so Im not a participant in Payment for order flow

8. If you were trading or investing prior to using an online account, how have your investing and trading behaviors changed since you started using your online account? (For example, the amount of money you have invested, your interest in learning about investing and saving for retirement, the amount of time you have spent trading, your knowledge of financial products, the number of trades you have made, the amount of money you have made in trading, your knowledge of the markets, the number of different types of financial products you have traded, or your use of margin.)
I learned a lot trading cheap options and buying the rumor sell the news. From there I learned even more and now read as much information as I can from articles to technical analysis to understand my investment. I now trade primarily equities and leaps.

9. How much experience do you have trading or investing in the following products (None, 12 months, 1-2 years, 2-5 years, 5+ years):
Stocks : 2-5 Years
Bonds : None
Options : 2-5 Years
Mutual Funds : 2-5 Years
ETFs : 2-5 Years
Futures : None
Cryptocurrencies : 5+ Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : None
Business Development Companies : None
Unit Investment Trusts : None

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
My understanding is that the restriction of trading is something that should be forcibly illegal as it blatantly can suffocate a trader or investor into selling in the event a buy restriction is imposed as there is no other viable movement but down for a subject security. The trading or investing sentiment would logically only be sell therefore that power should only be given to a regulating body and not any single brokerage or company.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
The abusive naked shorting, hiding of ftds with deep in the money options, money laundering in crypto currencies while orchestrating pump and dump schemes, abuse of swaps, and the ability for a firm or fund to hire a regulatory employee are all highly concerning topics I believe need to be changed for the best interests of citizens of the USA and for the future of our stock markets.