Apr. 20, 2022
To whom it May Concern: I am a small investor and am concerned about the proposed rule SR-NSCC-2022-003. From what I’ve read and understand, this rule appears to allow for FTDs (Failure To Deliver) to continue, not be restricted, and I worry that the companies that manage the buying & selling of the stocks that I buy & sell through Schwab, will allow them to perform illegal naked shorting and continue using dark pools to route trades which is detrimental to the actual cost and pricing of the stocks that I invest in through Schwab. I believe that the SEC is to help all investors to participate fairly in the market of corporate stocks, not just the big boys. It is difficult enough to avoid loss when a company is unable to support a stock dividend, but being forced to buy or sell at values that are not transparent is just wrong. Please do not implement this rule, and thank you for your attention to this matter. Sincerely, Jon Spencer Houston Texas