I found that Fido seems to keep one from buying more shares when fund get z'd.... but somehow Schwab has been able to do it with most funds if you already own some.

 I've had this happen with several funds including TWEIX (Z)....  Fido won't allow additions, schwab will.  I think each have a different way of dealing with the changes.  Both seem to always end up with the same rules... so I'm guessing it is policy.   It is likely easier for them to follow one rule instead of a rule per fund.

jb