The following Letter Type F, or variations thereof, was submitted by individuals or entities.

Letter Type F:

I oppose the SECs proposed Regulation E-Delivery [Release No. 33-11430]. Important retirement account statements, prospectuses, and investor disclosures should not be switched to electronic delivery by default without an investors clear consent.

Electronic delivery is helpful for people who choose it, but it should not be the default for everyone. Many people still rely on paper records because they are easier to notice, save, review, and share when making household financial decisions.

Online notices can be missed, lost in crowded inboxes, sent to old email addresses, or confused with phishing scams. This is especially risky for older adults, people with limited internet access, and anyone less comfortable managing sensitive financial information online.

The current system already lets investors sign up for electronic delivery if they want it. Investors should not have to opt out just to keep receiving essential financial information in a form they can reliably use.

Thank you for considering my comments.