Comment on AN67-Interim Final Rule-Rahm, Patrick Michael

It is clear that looking back is very difficult, if not impossible, if funds are moved between financial institutions. If, however, the funds are moved to another account than that where the initial deposit was made, BUT WITHIN THE SAME FINANCIAL INSTITUTION, this should be no real difficulty or additional task of any substantial weight for that financial institution to view the account activity of the deposit account, and determine if the funds are protected. In my personal case, I receive my entire income from two federal agencies in one account. Often, I transfer funds into another account held jointly with my wife, AT THE SAME FINANCIAL INSTITUTION, to facilitate paying domestic expenses. I cannot be the only federal beneficiary who receives no other income, and does not move most (if not all) of their protected benefit payments into financial institutions other than that in which the original deposit was made. There should be an exception for this class of federal beneficiaries. Thank you for the opportunity to make my firs comment on a proposed rule.