I am writing as a long-term household investor to express concerns about the Options Clearing Corporation's (OCC) proposed rule change on margin requirements during high market volatility. The current proposal may unintentionally shield risky positions from margin calls during market turbulence, potentially allowing imprudent risks to grow unchecked and jeopardizing long-term market stability. The role of the Financial Risk Management (FRM) Officer introduces a conflict of interest, as their duty to protect OCC's interests may not align with broader market well-being. The lack of transparency in redacted materials accompanying the proposal raises questions about the thoroughness of the evaluation process and limits informed public discourse. I recommend prioritizing Clearing Fund deposits of non-defaulting firms over OCC's pre-funded resources to promote fairness in loss allocation. Additionally, an independent review mechanism, non-confidential summaries of redacted materials, and enhanced transparency requirements are crucial for unbiased evaluation, public trust, and accountability. These modifications aim to fortify oversight, enhance transparency, and uphold accountability, ensuring the integrity and fairness of our financial markets. Thank you for your consideration. Sincerely, Household Investors