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Robert Hillard Comment On Regulatory Notice 22-08

Robert Hillard
N/A

As owner of a small broker dealer since 1982 I ask you, please, to read the current regulations and conclude they are enough!! Reps 'must know their client". Prospectus must be provided before purchase. Reps must participate in continuing education. Supervisors already review all trades. What ever happened to 'let the buyer beware" as a way to teach investors lessons. How do you expect new, young, investors to learn, or get investment experience if not allowed FREEDOM TO CHOOSE (which seems a big concern of all people these days) to do what they want to do. It is true, EXPERIENCE IS A GOOD TEACHER, BUT IT IS SOMETIMES VERY EXPENSIVE! You seem to now want to add a regulation that makes registered reps teachers who have to test their students, and punish them if the student/customer fails the test of knowing what they are doing.