diff --git a/CHANGELOG.md b/CHANGELOG.md
index 6e77664216..54f7530cf9 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -5,7 +5,7 @@ All notable changes to this project will be documented in this file.
 The format is based on [Keep a Changelog](https://keepachangelog.com)
 and this project adheres to [Semantic Versioning](https://semver.org).
 
-## TBD - 3.5.0
+## 2024-11-22 - 3.5.0
 
 ### Added
 
@@ -13,7 +13,7 @@ and this project adheres to [Semantic Versioning](https://semver.org).
 
 ### Changed
 
-- Nothing yet.
+- Settings::libXmlLoaderOptions is ignored. [PR #4233](https://github.com/PHPOffice/PhpSpreadsheet/pull/4233)
 
 ### Moved
 
@@ -21,6 +21,7 @@ and this project adheres to [Semantic Versioning](https://semver.org).
 
 ### Deprecated
 
+- Settings::setLibXmlLoaderOptions() and Settings::getLibXmlLoaderOptions() are no longer needed - no replacement.
 - Worksheet::getHashCode is no longer needed.
 
 ### Fixed
diff --git a/docs/topics/reading-and-writing-to-file.md b/docs/topics/reading-and-writing-to-file.md
index e1d5229cd0..19fe8a8ed9 100644
--- a/docs/topics/reading-and-writing-to-file.md
+++ b/docs/topics/reading-and-writing-to-file.md
@@ -298,7 +298,6 @@ versions of Microsoft Excel.
 **Excel 2003 XML limitations** Please note that Excel 2003 XML format
 has some limits regarding to styling cells and handling large
 spreadsheets via PHP.
-Also, only files using charset UTF-8 or ISO-8859-* are supported.
 
 ### \PhpOffice\PhpSpreadsheet\Reader\Xml
 
diff --git a/src/PhpSpreadsheet/Reader/Gnumeric.php b/src/PhpSpreadsheet/Reader/Gnumeric.php
index d80a87ecc5..ed81efb224 100644
--- a/src/PhpSpreadsheet/Reader/Gnumeric.php
+++ b/src/PhpSpreadsheet/Reader/Gnumeric.php
@@ -11,7 +11,6 @@
 use PhpOffice\PhpSpreadsheet\Reader\Security\XmlScanner;
 use PhpOffice\PhpSpreadsheet\ReferenceHelper;
 use PhpOffice\PhpSpreadsheet\RichText\RichText;
-use PhpOffice\PhpSpreadsheet\Settings;
 use PhpOffice\PhpSpreadsheet\Shared\File;
 use PhpOffice\PhpSpreadsheet\Spreadsheet;
 use PhpOffice\PhpSpreadsheet\Worksheet\Worksheet;
@@ -104,7 +103,7 @@ public function listWorksheetNames(string $filename): array
 
         $xml = new XMLReader();
         $contents = $this->gzfileGetContents($filename);
-        $xml->xml($contents, null, Settings::getLibXmlLoaderOptions());
+        $xml->xml($contents);
         $xml->setParserProperty(2, true);
 
         $worksheetNames = [];
@@ -133,7 +132,7 @@ public function listWorksheetInfo(string $filename): array
 
         $xml = new XMLReader();
         $contents = $this->gzfileGetContents($filename);
-        $xml->xml($contents, null, Settings::getLibXmlLoaderOptions());
+        $xml->xml($contents);
         $xml->setParserProperty(2, true);
 
         $worksheetInfo = [];
@@ -248,7 +247,7 @@ public function loadIntoExisting(string $filename, Spreadsheet $spreadsheet): Sp
 
         /** @var XmlScanner */
         $securityScanner = $this->securityScanner;
-        $xml2 = simplexml_load_string($securityScanner->scan($gFileData), 'SimpleXMLElement', Settings::getLibXmlLoaderOptions());
+        $xml2 = simplexml_load_string($securityScanner->scan($gFileData));
         $xml = self::testSimpleXml($xml2);
 
         $gnmXML = $xml->children(self::NAMESPACE_GNM);
diff --git a/src/PhpSpreadsheet/Reader/Html.php b/src/PhpSpreadsheet/Reader/Html.php
index 4e00f7dd3a..4ca781a87d 100644
--- a/src/PhpSpreadsheet/Reader/Html.php
+++ b/src/PhpSpreadsheet/Reader/Html.php
@@ -34,7 +34,7 @@ class Html extends BaseReader
 
     private const STARTS_WITH_BOM = '/^(?:\xfe\xff|\xff\xfe|\xEF\xBB\xBF)/';
 
-    private const DECLARES_CHARSET = '/ charset=/i';
+    private const DECLARES_CHARSET = '/\\bcharset=/i';
 
     /**
      * Input encoding.
diff --git a/src/PhpSpreadsheet/Reader/Ods.php b/src/PhpSpreadsheet/Reader/Ods.php
index 85fa08ecf0..57111a9c2b 100644
--- a/src/PhpSpreadsheet/Reader/Ods.php
+++ b/src/PhpSpreadsheet/Reader/Ods.php
@@ -17,7 +17,6 @@
 use PhpOffice\PhpSpreadsheet\Reader\Ods\Properties as DocumentProperties;
 use PhpOffice\PhpSpreadsheet\Reader\Security\XmlScanner;
 use PhpOffice\PhpSpreadsheet\RichText\RichText;
-use PhpOffice\PhpSpreadsheet\Settings;
 use PhpOffice\PhpSpreadsheet\Shared\Date;
 use PhpOffice\PhpSpreadsheet\Shared\File;
 use PhpOffice\PhpSpreadsheet\Spreadsheet;
@@ -58,9 +57,12 @@ public function canRead(string $filename): bool
                     $mimeType = $zip->getFromName($stat['name']);
                 } elseif ($zip->statName('META-INF/manifest.xml')) {
                     $xml = simplexml_load_string(
-                        $this->getSecurityScannerOrThrow()->scan($zip->getFromName('META-INF/manifest.xml')),
-                        'SimpleXMLElement',
-                        Settings::getLibXmlLoaderOptions()
+                        $this->getSecurityScannerOrThrow()
+                            ->scan(
+                                $zip->getFromName(
+                                    'META-INF/manifest.xml'
+                                )
+                            )
                     );
                     if ($xml !== false) {
                         $namespacesContent = $xml->getNamespaces(true);
@@ -98,9 +100,10 @@ public function listWorksheetNames(string $filename): array
 
         $xml = new XMLReader();
         $xml->xml(
-            $this->getSecurityScannerOrThrow()->scanFile('zip://' . realpath($filename) . '#' . self::INITIAL_FILE),
-            null,
-            Settings::getLibXmlLoaderOptions()
+            $this->getSecurityScannerOrThrow()
+                ->scanFile(
+                    'zip://' . realpath($filename) . '#' . self::INITIAL_FILE
+                )
         );
         $xml->setParserProperty(2, true);
 
@@ -145,9 +148,10 @@ public function listWorksheetInfo(string $filename): array
 
         $xml = new XMLReader();
         $xml->xml(
-            $this->getSecurityScannerOrThrow()->scanFile('zip://' . realpath($filename) . '#' . self::INITIAL_FILE),
-            null,
-            Settings::getLibXmlLoaderOptions()
+            $this->getSecurityScannerOrThrow()
+                ->scanFile(
+                    'zip://' . realpath($filename) . '#' . self::INITIAL_FILE
+                )
         );
         $xml->setParserProperty(2, true);
 
@@ -254,9 +258,8 @@ public function loadIntoExisting(string $filename, Spreadsheet $spreadsheet): Sp
         // Meta
 
         $xml = @simplexml_load_string(
-            $this->getSecurityScannerOrThrow()->scan($zip->getFromName('meta.xml')),
-            'SimpleXMLElement',
-            Settings::getLibXmlLoaderOptions()
+            $this->getSecurityScannerOrThrow()
+                ->scan($zip->getFromName('meta.xml'))
         );
         if ($xml === false) {
             throw new Exception('Unable to read data from {$pFilename}');
@@ -270,8 +273,8 @@ public function loadIntoExisting(string $filename, Spreadsheet $spreadsheet): Sp
 
         $dom = new DOMDocument('1.01', 'UTF-8');
         $dom->loadXML(
-            $this->getSecurityScannerOrThrow()->scan($zip->getFromName('styles.xml')),
-            Settings::getLibXmlLoaderOptions()
+            $this->getSecurityScannerOrThrow()
+                ->scan($zip->getFromName('styles.xml'))
         );
 
         $pageSettings = new PageSettings($dom);
@@ -280,8 +283,8 @@ public function loadIntoExisting(string $filename, Spreadsheet $spreadsheet): Sp
 
         $dom = new DOMDocument('1.01', 'UTF-8');
         $dom->loadXML(
-            $this->getSecurityScannerOrThrow()->scan($zip->getFromName(self::INITIAL_FILE)),
-            Settings::getLibXmlLoaderOptions()
+            $this->getSecurityScannerOrThrow()
+                ->scan($zip->getFromName(self::INITIAL_FILE))
         );
 
         $officeNs = (string) $dom->lookupNamespaceUri('office');
@@ -690,8 +693,8 @@ private function processSettings(ZipArchive $zip, Spreadsheet $spreadsheet): voi
     {
         $dom = new DOMDocument('1.01', 'UTF-8');
         $dom->loadXML(
-            $this->getSecurityScannerOrThrow()->scan($zip->getFromName('settings.xml')),
-            Settings::getLibXmlLoaderOptions()
+            $this->getSecurityScannerOrThrow()
+                ->scan($zip->getFromName('settings.xml'))
         );
         //$xlinkNs = $dom->lookupNamespaceUri('xlink');
         $configNs = (string) $dom->lookupNamespaceUri('config');
diff --git a/src/PhpSpreadsheet/Reader/Xlsx.php b/src/PhpSpreadsheet/Reader/Xlsx.php
index 88d59634c4..d22f76ff4f 100644
--- a/src/PhpSpreadsheet/Reader/Xlsx.php
+++ b/src/PhpSpreadsheet/Reader/Xlsx.php
@@ -27,7 +27,6 @@
 use PhpOffice\PhpSpreadsheet\Reader\Xlsx\WorkbookView;
 use PhpOffice\PhpSpreadsheet\ReferenceHelper;
 use PhpOffice\PhpSpreadsheet\RichText\RichText;
-use PhpOffice\PhpSpreadsheet\Settings;
 use PhpOffice\PhpSpreadsheet\Shared\Date;
 use PhpOffice\PhpSpreadsheet\Shared\Drawing;
 use PhpOffice\PhpSpreadsheet\Shared\File;
@@ -123,7 +122,7 @@ private function loadZip(string $filename, string $ns = '', bool $replaceUnclose
         $rels = @simplexml_load_string(
             $this->getSecurityScannerOrThrow()->scan($contents),
             'SimpleXMLElement',
-            Settings::getLibXmlLoaderOptions(),
+            0,
             $ns
         );
 
@@ -138,7 +137,7 @@ private function loadZipNonamespace(string $filename, string $ns): SimpleXMLElem
         $rels = simplexml_load_string(
             $this->getSecurityScannerOrThrow()->scan($contents),
             'SimpleXMLElement',
-            Settings::getLibXmlLoaderOptions(),
+            0,
             ($ns === '' ? $ns : '')
         );
 
@@ -245,11 +244,13 @@ public function listWorksheetInfo(string $filename): array
 
                         $xml = new XMLReader();
                         $xml->xml(
-                            $this->getSecurityScannerOrThrow()->scan(
-                                $this->getFromZipArchive($this->zip, $fileWorksheetPath)
-                            ),
-                            null,
-                            Settings::getLibXmlLoaderOptions()
+                            $this->getSecurityScannerOrThrow()
+                                ->scan(
+                                    $this->getFromZipArchive(
+                                        $this->zip,
+                                        $fileWorksheetPath
+                                    )
+                                )
                         );
                         $xml->setParserProperty(2, true);
 
@@ -2001,9 +2002,8 @@ private function readRibbon(Spreadsheet $excel, string $customUITarget, ZipArchi
         if ($dataRels) {
             // exists and not empty if the ribbon have some pictures (other than internal MSO)
             $UIRels = simplexml_load_string(
-                $this->getSecurityScannerOrThrow()->scan($dataRels),
-                'SimpleXMLElement',
-                Settings::getLibXmlLoaderOptions()
+                $this->getSecurityScannerOrThrow()
+                    ->scan($dataRels)
             );
             if (false !== $UIRels) {
                 // we need to save id and target to avoid parsing customUI.xml and "guess" if it's a pseudo callback who load the image
diff --git a/src/PhpSpreadsheet/Reader/Xlsx/Properties.php b/src/PhpSpreadsheet/Reader/Xlsx/Properties.php
index fb501e84ec..1a0517b19f 100644
--- a/src/PhpSpreadsheet/Reader/Xlsx/Properties.php
+++ b/src/PhpSpreadsheet/Reader/Xlsx/Properties.php
@@ -4,7 +4,6 @@
 
 use PhpOffice\PhpSpreadsheet\Document\Properties as DocumentProperties;
 use PhpOffice\PhpSpreadsheet\Reader\Security\XmlScanner;
-use PhpOffice\PhpSpreadsheet\Settings;
 use SimpleXMLElement;
 
 class Properties
@@ -23,9 +22,7 @@ private function extractPropertyData(string $propertyData): ?SimpleXMLElement
     {
         // okay to omit namespace because everything will be processed by xpath
         $obj = simplexml_load_string(
-            $this->securityScanner->scan($propertyData),
-            'SimpleXMLElement',
-            Settings::getLibXmlLoaderOptions()
+            $this->securityScanner->scan($propertyData)
         );
 
         return $obj === false ? null : $obj;
diff --git a/src/PhpSpreadsheet/Reader/Xml.php b/src/PhpSpreadsheet/Reader/Xml.php
index b712321a80..5e9830f43f 100644
--- a/src/PhpSpreadsheet/Reader/Xml.php
+++ b/src/PhpSpreadsheet/Reader/Xml.php
@@ -15,7 +15,6 @@
 use PhpOffice\PhpSpreadsheet\Reader\Xml\Properties;
 use PhpOffice\PhpSpreadsheet\Reader\Xml\Style;
 use PhpOffice\PhpSpreadsheet\RichText\RichText;
-use PhpOffice\PhpSpreadsheet\Settings;
 use PhpOffice\PhpSpreadsheet\Shared\Date;
 use PhpOffice\PhpSpreadsheet\Shared\File;
 use PhpOffice\PhpSpreadsheet\Spreadsheet;
@@ -132,9 +131,8 @@ private function trySimpleXMLLoadStringPrivate(string $filename, string $fileOrS
             }
             if ($continue) {
                 $xml = @simplexml_load_string(
-                    $this->getSecurityScannerOrThrow()->scan($data),
-                    'SimpleXMLElement',
-                    Settings::getLibXmlLoaderOptions()
+                    $this->getSecurityScannerOrThrow()
+                        ->scan($data)
                 );
             }
         } catch (Throwable $e) {
diff --git a/src/PhpSpreadsheet/Settings.php b/src/PhpSpreadsheet/Settings.php
index 7f727a8cc6..d32ef7c448 100644
--- a/src/PhpSpreadsheet/Settings.php
+++ b/src/PhpSpreadsheet/Settings.php
@@ -94,6 +94,8 @@ public static function htmlEntityFlags(): int
      * Set default options for libxml loader.
      *
      * @param ?int $options Default options for libxml loader
+     *
+     * @deprecated 3.5.0 no longer needed
      */
     public static function setLibXmlLoaderOptions(?int $options): int
     {
@@ -110,14 +112,12 @@ public static function setLibXmlLoaderOptions(?int $options): int
      * Defaults to LIBXML_DTDLOAD | LIBXML_DTDATTR when not set explicitly.
      *
      * @return int Default options for libxml loader
+     *
+     * @deprecated 3.5.0 no longer needed
      */
     public static function getLibXmlLoaderOptions(): int
     {
-        if (self::$libXmlLoaderOptions === null) {
-            return self::setLibXmlLoaderOptions(null);
-        }
-
-        return self::$libXmlLoaderOptions;
+        return self::$libXmlLoaderOptions ?? (defined('LIBXML_DTDLOAD') ? (LIBXML_DTDLOAD | LIBXML_DTDATTR) : 0);
     }
 
     /**
diff --git a/tests/PhpSpreadsheetTests/Reader/Html/HtmlCharsetTest.php b/tests/PhpSpreadsheetTests/Reader/Html/HtmlCharsetTest.php
index 2e1ef19dfd..1daacaf62b 100644
--- a/tests/PhpSpreadsheetTests/Reader/Html/HtmlCharsetTest.php
+++ b/tests/PhpSpreadsheetTests/Reader/Html/HtmlCharsetTest.php
@@ -40,6 +40,7 @@ public static function providerCharset(): array
             ['charset.UTF-16.lebom.html', 'À1'],
             ['charset.gb18030.html', '电视机'],
             ['charset.unknown.html', 'exception'],
+            ['xhtml4.entity.xhtml', 'exception'],
         ];
     }
 }
diff --git a/tests/data/Reader/HTML/charset.ISO-8859-1.html4.html b/tests/data/Reader/HTML/charset.ISO-8859-1.html4.html
index 63e45ec081..6b81fc9e80 100644
--- a/tests/data/Reader/HTML/charset.ISO-8859-1.html4.html
+++ b/tests/data/Reader/HTML/charset.ISO-8859-1.html4.html
@@ -1,7 +1,7 @@
     <!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01//EN" "http://www.w3.org/TR/html4/strict.dtd">
     <html lang='en'>
     <head>
-    <meta http-equiv="Content-Type" content="text/html; CHARSET=ISO-8859-1">
+    <meta http-equiv="Content-Type" content="text/html;CHARSET=ISO-8859-1">
     <title>ISO-8859-1 Html4 Doctype and Meta</title>
     </head>
     <body>
diff --git a/tests/data/Reader/HTML/xhtml4.entity.xhtml b/tests/data/Reader/HTML/xhtml4.entity.xhtml
new file mode 100644
index 0000000000..1fe039f2f6
--- /dev/null
+++ b/tests/data/Reader/HTML/xhtml4.entity.xhtml
@@ -0,0 +1,17 @@
+<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN"
+   "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd" [
+   <!ENTITY test "It worked">
+   ]>
+<html xmlns="http://www.w3.org/1999/xhtml">
+<head>
+<meta http-equiv="Content-Type" content="application/xhtml+xml;charset=utf-8" />
+<title>HTML Entities</title>
+</head>
+<body>
+<table>
+    <tbody>
+    <tr><td>&test;</td></tr>
+    </tbody>
+</table>
+</body>
+</html>