I strongly oppose this regulation. Everybody should have access to investments not only the wealthy and elite. Being able to do due diligence on research into investments is up to any individual and this undermines our ability to gain investment returns on par with the wealthy, when they have access to so many more investment options. I for one like to invest small percentages of my portfolio into investments that this restriction targets, but even this small percentage has had very nice affects on my overall return.

I have been investing a long time and have bought individual stocks, bonds, ETFs. I have shorted the Market through ETFs. I realize the risks involved. Currently we are in a period where the major market indices are falling. Now is the perfect time to protect part of your portfolio with an ETF that shorts the market. It is like insurance on your home. The goal is to protect your investment. I should not have to pass a test to invest in inverse funds. What we need is better enforcement and/or new rules for naked short selling.

I absolutely disagree with the intentions of FINRA to limit my choice, or any other investors choice which public equities, bonds or funds we can invest in. A free and open market can only exist if it is free and open to all, not a select few. I absolutely want to maintain my freedom to invest in public securities of my choosing. I understand and accept the risks and rewards of this freedom.

AGAIN GOVERNMENT is trying to take from as a L.V.N. Nurse for over 50 YEARS my hard made retirement. As a Vocational Nurse my option to save was late in my life. So mine & my Husbands savings for our Golden Years is sparse. As a Master Plumber that owned his own business that was small in numbers (him & a helper). No retirement savings for him to claim. It is my right my retirement and the Government already taxes us so high on this small earnings. It is almost gone.

Comments: Additional regulation is seldom needed. The FINRA's suggestion of "enhancements" reminds me of the term "transitory" used by another government agency recently.

To Whom it May Concern:

Less RULES is best for all of us. Gov control needs to be STOPED in most instances. No more rules and regulations need to be instated. Period.

As an average investor I use leveraged etfs to enhance returns.

Comments: I acknowledge that leveraged ETF's can be extremely volatile and not suitable for every investor but for should be available for those that choose them. There are extreme risks everywhere. It's up to each investor to manage their cash and risk tolerance. It's fine to put warning labels on the package but don't restrict the sale. I can illustrate many cases of individual stocks being way more risky and volatile than a a leveraged index ETF.

It's especially important regulators hear from you in your own words. Please use the body of this email to customize your response. HANDS OFF THE CRYPTO MARKET