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

Letter Type A:

Re: File No. S7-12-23: Conflicts of Interest Associated with the Use of Predictive

Data Analytics by Broker-Dealers and Investment Advisers

Dear Ms. Countryman,

Subject: Opposition to Proposed PDA Rule

I strongly oppose the SEC's proposed Predictive Data Analytics (PDA) rule, which, if implemented, could severely hinder technological innovation in financial services. The rule's broad scope and potential to increase costs without clear evidence of investor harm are deeply concerning. It threatens the progress made in democratizing retail investing and risks making it more difficult for customers to access and navigate financial markets. I implore the SEC to reconsider this rule in favor of a more balanced approach that supports responsible innovation.

Sincerely,