From: Jean Crawford [mailto:JCrawford@baylegal.org]
Sent: Thursday, September 16, 2004 3:57 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50
I oppose the FDIC's proposal to allow banks with assets above $250
million to be examined as small banks under the Community Reinvestment
Act. This policy would reduce lending, investments and services in
low income communities. Lenders have an affirmative obligation under
the CRA to meet community needs.