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"[T]he plaintiffs, which include the Insured Retirement Institute, the American Council of Life Insurers and the Financial Services Institute, said in a joint statement[,] 'This is a misguided rule that will harm retirement savers and financial services firms that provide needed assistance and options to their clients, including modest savers and small business employees ... Further the 'private right of action' mechanism creates unwarranted litigation risk for financial advisors, who will face the threat of meritless class action lawsuits challenging their every move.' "
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