From: Varsha Ghosh [mailto:vghosh@fas.harvard.edu]
Sent: Thursday, September 16, 2004 1:01 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."

Thank you.

Varsha Ghosh