I am writing to oppose making electronic delivery the default method for important financial and investment information without first obtaining the recipient's affirmative consent. Technology has made electronic delivery convenient for many Americans, and individuals who prefer electronic statements and disclosures should certainly have that option. However, convenience for some should not result in reduced access for others. I am particularly concerned about the effect this change could have on older Americans and people living in rural communities. Many senior citizens have received important financial information through the U.S. mail for decades. Some do not regularly use email, online financial portals, or smartphones. Others may have internet access but are not comfortable relying on electronic communications for important financial matters. Rural Americans face additional challenges. Reliable high-speed internet access is still not universal, and even where broadband is technically available, affordability, reliability, and digital literacy can create barriers. There is also a significant concern regarding fraud and scams. Older Americans are routinely warned to be cautious about emails asking them to click links, log into accounts, or provide financial information. Making email the default method for receiving legitimate financial notices could make it more difficult for some consumers to distinguish legitimate communications from phishing attempts. Most importantly, the burden of making this transition should not be placed on the consumer. Someone who currently receives paper documents should continue receiving paper documents unless that individual affirmatively chooses electronic delivery. Consumers should not have to discover that their delivery method has changed and then locate an opt-out procedure simply to continue receiving information in the manner they have always received it. I encourage the Commission to preserve meaningful consumer choice by requiring affirmative consent before converting an existing paper recipient to electronic-only delivery. At a minimum, additional protections should be considered for senior citizens, individuals without reliable broadband access, and others who may face barriers to electronic communications. Modernization is worthwhile when it expands people's choices. It should not take an existing choice away and require consumers to take action to get it back. Please preserve paper delivery as the default for individuals who currently receive paper communications and allow consumers themselves to decide when and whether they are ready to transition to electronic delivery. Thank you for considering my comments.