Subject: File No. S7-12-18
From: Leo Crowley

October 8, 2018

Chairman Clayton,

Consumers should be able to opt out of receiving printed financial information in the mail. They should not have to opt in.

Paper copies are important to those with limited or no access to the internet. They're also important to those who produce the paper and print the reports/statements/prospectuses, etc. Leo Crowley