Subject: OCC: OCC-2011-14, FRS: Docket No. R-1432 and RIN 7100 AD82, FDIC: RIN 3064-AD85

February 8, 2012

Dear SEC, OCC, FDIC and Federal Reserve,

Please institute a strong Volcker rule related to subject issues. It is time for the banks to pay their own way if they want to do risky business. No more bail outs

Thank you,

Lee Brown
Lee S. Brown Fine Arts