From: Robert Gaines [mailto:initialgateway@yahoo.com]
Sent: Monday, September 13, 2004 12:31 PM
To: Comments
Subject: Withdraw proposed change to CRA (RIN 3064-AC50)

Monday, September 13, 2004

The Honorable FDIC Comments Center

Dear FDIC Comments Center,
As a concerned citizen, I urge you to withdraw your proposed changes to the Community Reinvestment Act regulations (RIN 3064-AC50). CRA has been instrumental in increasing homeownership and economic development. This action will harm our communities.

Sincerely
Robert Gaines
1131 Mulberry Street
Louisville, KY 40217