Subject: Comments for File Number S7-12-11

May 19, 2011

I'm a senior who depends on my investments for my retirement, health insurance, and for my Daughter's college tuition. Therefore, I would like Wall Street and banking to be strictly regulated. You've used my hard-earned income for decades, it's time for you to be completely honest, fight all corruption, and be patriotic. Put the needs of your nation first.

Thank you for considering my comment, J Sanders I’m writing because my family and I were affected by the economic collapse of 2008, and we don’t want it to happen again.

Wall Street greed and outrageous pay practices were a major cause of the collapse. One way to change the incentives so they don’t collapse our economy again would be to delay the bonuses for three, five or more years. That way, we’ll know if the loans they made in year one remain good. In the bad days, bankers paid themselves on the volume of loans (mortgages) they generated, not on their quality.

Thank you for considering my comment,

Judith Sanders