Comment on FR Doc # 2011-19947

When looking at regulatory review and a regulation that I believe has become outdated in a technology driven world. It would be part of Regulation D: Regulation D - 204.2 (d) (2) states that a depositor is permitted to make no more than 6 withdrawals per calendar month or statement cycle for the purpose of transferring funds to another account of the depositor at the same bank or for making payment to a third party by means of a preauthorized or automatic transfer. A "preauthorized transfer" includes any arrangement you made with the bank to pay a third party from your account. This regulation does include telephone transfers from your savings account to another account in the bank. The regulation allows you to make an unlimited amount of transfers or withdrawals in person or through the ATM. This regulation just doesn't make sense anymore being banks and the government want people to keep track of their finances with reguards to overdrafts. Why penalize people for watching their accounts and transfering money into their checking accounts to prevent overdrafts? Please take a look at removing section 204.2 from Regulation D and allow consumers to manage their accounts in our technology driven world. Thanks