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EMAF Institute for Consumer Choice

Promoting and protecting the public’s right to choose paper-based communications in an increasingly digital world

Institute for Consumer Choice

The ICC is dedicated to promoting and protecting the public’s right to choose paper-based communications in an increasingly digital world. Many consumers, often those that face digital exclusion, still rely on physical mail to receive bank statements, health insurance information, bills, and more. Policies must protect consumers’ right to choose how they receive information.

Physical mail is not a luxury but a necessity.

Key Constituencies of the ICC include:

1) Senior Citizens: Older adults face challenges such as digital literacy barriers, vision impairments, or a preference for the reliability and familiarity of paper communication.

2) Rural Communities: Residents of rural areas and tribal lands are digitally underserved and need to maintain communication through physical mail.

3) Consumers with Concerns About Information Safety: As concerns grow around digital privacy, hacking, phishing, and access inequalilty, the need for secure, reliable, and equitable communication has never been more critical. 

 

Mail is more than nostalgia, it’s a backbone of democratic and commercial life. 

Preference & Accessibility

66% of adults age 50+ prefer to receive retirement plan paper statements and nearly 60% prefer to receive printed health newsletters.

Equitable

About 19 million adults aged 65+ lack high-speed home broadband service.

About 22% of rural residents and 28% of people on tribal lands lack access to high-speed internet. 

Trusted

Consumers reported losing more than $12.5 billion to fraud in 2024, according to the Federal Trade Commission. Email was the most common way that consumers reported being contacted by scammers.

The U.S. Postal Service (USPS) delivers to approximately 168.6 million delivery points (residential + business) nationwide. Every address, every day, at the same price for First Class Mail, regardless of how rural or remote.

Forty-three percent of adults earning under $30,000/year lack home broadband access. Nearly half of households making under $50,000 say they struggle to afford internet service.

By design, phishing and cyber fraud attacks create a false sense of urgency to reduce victims’ chance for critical thinking. In contrast, postal fraud is slower, and allows more time to reflect on requests.

Member Alert

Congress is considering bills (H.R. 2441/S. 1877) that would make e-delivery the default for critical financial and personal information, forcing consumers to opt in to continue receiving paper statements. This change threatens consumer choice, data security, and access for millions of Americans who rely on physical mail.

Tell Congress to protect paper-based communication and keep choice in consumers’ hands.

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