Subject: File No. 4-606
From: Charles R Brown, sr.

August 30, 2010

-The proposed change to existing regulation is a remedy in search of a problem. There are already stringent requirements in place in each of the States as well as the Insurance Company compliance departments where suitability requirements are enforced.

Who would be served by requiring a fiduciary standard as it relates to a sales recommendation. Is the presumption that all recommendations are untrue and unsuitable? Is a fiduciary standard make them any motre true or untrue?

Enforce the standards we have. Do not suppose to improve the situation wirth more regulations which only serve to erect barriers to representatives and the public. Is it the goal of the SEC to drive up costs for the consumer by burdening the Representative with higher costs of compliance? This will be the outcome.