Subject: Comments for File Number S7-12-11

May 23, 2011

Stop the greed and payback the false bonuses. My nephew worked on Wall Street in those years and quit because he has ethics and couldn't stand it at Bank of America anymore.

The safeguards that were in place after the Great Depression were stripped away and the banksters and greedy CEOs have taken advantage of the public to the demise of the WORLD economy as well as our own.

Investigate thesebber barrons. If it turns out that the profits in a given year were built on shoddy practices that become clear in the out-years, those bonus payments should be forfeited.

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,

M Mabbitt