From: Spencer, Tammi [mailto:TSpencer@roguecc.edu]
Sent: Thursday, October 14, 2004 6:28 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the FDIC proposal to allow banks with assets above $250 million to be examined as small banks under the CRA. This policy would reduce lending, investment and services for low-income communities.

Tammi Spencer
Secretary, RVC Counseling Center
Rogue Community College
245-7559