<SEC-DOCUMENT>0000000000-21-013246.txt : 20220223
<SEC-HEADER>0000000000-21-013246.hdr.sgml : 20220223
<ACCEPTANCE-DATETIME>20211101143004
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-21-013246
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20211101

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SCHWAB CHARLES CORP
		CENTRAL INDEX KEY:			0000316709
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				943025021
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		3000 SCHWAB WAY
		CITY:			WESTLAKE
		STATE:			TX
		ZIP:			76262
		BUSINESS PHONE:		817-859-5000

	MAIL ADDRESS:	
		STREET 1:		3000 SCHWAB WAY
		CITY:			WESTLAKE
		STATE:			TX
		ZIP:			76262
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<FILENAME>filename2.txt
<TEXT>
United States securities and exchange commission logo





                              November 1, 2021

       Walter W. Bettinger II
       President and Chief Executive Officer
       The Charles Schwab Corporation
       3000 Schwab Way
       Westlake, TX 76262

                                                        Re: The Charles Schwab
Corporation
                                                            Form 10-K for the
Fiscal Year Ended December 31, 2020
                                                            Filed February 24,
2021
                                                            File No. 001-09700

       Dear Mr. Bettinger II:

              We have reviewed your October 6, 2021 response to our comment
letter and have the
       following comments. In some of our comments, we may ask you to provide
us with information
       so we may better understand your disclosure.

              Please respond to these comments within ten business days by
providing the requested
       information or advise us as soon as possible when you will respond. If
you do not believe our
       comments apply to your facts and circumstances, please tell us why in
your response.

             After reviewing your response to these comments, we may have
additional
       comments. Unless we note otherwise, our references to prior comments are
to comments in our
       September 23, 2021 letter.

       Form 10-K for fiscal year ended 12/31/2021

       Item 1A. Risk Factors, page 13

   1.                                                   We reissue in part
comment 1. We note your response to this comment. Tell us how you
                                                        evaluated material
litigation risks related to climate change to which you are potentially
                                                        exposed other than
those related to your present product line-up.
       Item 7. Management's Discussion and Analysis of Financial Condition and
Results of
       Operations, page 27

   2.                                                   We reissue in part
comment 2. Please explain how you considered providing disclosure
                                                        addressing the
difficulties involved in assessing the timing and effect of pending climate-
                                                        related laws,
regulations or guidance.
 Walter W. Bettinger II
The Charles Schwab Corporation
November 1, 2021
Page 2
3.       We note from your response to prior comment 3 that capital
expenditures specifically
         related to climate-related projects were not material to your
financial condition, results of
         operations, or cash flows as of and for the three years ended December
31, 2020 or to your
         estimated planned capital expenditures for your 2021 fiscal year.
Please provide us with
         quantitative information supporting this statement.
4.       Your response to comment 4 states that indirect consequences of
climate-related
         regulation have not been material to your financial condition, results
of operations, or cash
         flows. Your response appears to be conclusory and does not adequately
address the
         specific items from our prior comment. Tell us about the indirect
consequences of
         climate-related regulation or business trends considered in your
response, your process for
         identifying such matters, and how you assessed potential materiality.
For example,
         provide us with additional information supporting your statement that
you do not believe
         that you experienced material climate-related reputational harm
resulting from your
         operations or those of your clients or from products that you sell.
5.       We reissue in part comment 5 as your response does not appear to
address each of the
         items from our prior comment. Please tell us in more detail how you
considered providing
         a discussion of the significant physical effects of climate change on
your operations and
         results, such as effects on the severity of weather. As part of your
response, address the
         potential indirect weather-related impacts that have affected or may
affect your third-party
         vendors or third-party service providers. In addition, quantify
weather-related damages to
         your property or operations and explain how you concluded that there
was no material
         weather-related impact to the cost or availability of insurance.
6.       Your response to comment 6 indicates that you have not identified
material transition risks
         related to climate change. Please tell us how you assess potential
transition risks and why
         you concluded that disclosure was not required. Your response should
specifically
         address the different types of transition risks related to climate
change you considered,
         including those noted in our prior comment, and explain your basis for
concluding that
         they will not have a material impact on your business, financial
condition, results of
         operations, or cash flows.
7.     Your response to comment 7 states that you have not incurred material
compliance costs
FirstName LastNameWalter W. Bettinger II
       related to climate change. Describe the nature of the compliance costs
you have incurred
Comapany    NameThe
       and provide   us Charles Schwab Corporation
                        with quantitative information supporting your statement
that the related
       amounts
November         were
            1, 2021    not2material.
                     Page
FirstName LastName
 Walter W. Bettinger II
FirstName
The CharlesLastNameWalter W. Bettinger II
            Schwab Corporation
Comapany 1,
November   NameThe
             2021 Charles Schwab Corporation
November
Page 3    1, 2021 Page 3
FirstName LastName
       You may contact Todd Schiffman at 202-551-3491 or Erin Purnell at
202-551-3454 if
you have questions regarding these comments.



                                                        Sincerely,

                                                        Division of Corporation
Finance
                                                        Office of Finance
</TEXT>
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</SEC-DOCUMENT>
