Subject: OCC: OCC-2011-14, FRS: Docket No. R-1432 and RIN 7100 AD82, FDIC: RIN 3064-AD85, SEC: S7-41-11

February 9, 2012

Dear Sir/Ms:

I am very concerned that Wall Street has infiltrated Treasury and the Fed to the detriment of our Financial System. We need the Volker Rule and we need to separate regulation of the banks from the Treasury Dept. Over the years they have managed through their cozy relationships and lobbying efforts to exempt themselves from security laws, have a different set accounting rules, choose their own regulators, and thumb their noses at all of us getting bailouts.

For Christ's sake and that of the nation, do the right thing and toughen the rules while making them fair for everyone.

Lawrence York