From: King, Phillip # ATLANTA [mailto:Phillip.King@globalpay.com]
Sent: Tuesday, September 07, 2004 3:29 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50
I strongly urge you not to raise the threshold on banks participating
in the community reinvestment program. Thanks to the availability of
this program, I and many other people were able to secure funding for
first mortgages several years ago. Partly due to this availability, and
partly due to our efforts in those communities, we were able to
revitalize and drastically improve our neighborhoods. The program works
well as it is. Further reducing the availability of these funds will not
benefit the neighborhoods and citizens who desperately need it!