From: David Pels
Sent: Monday, August 23, 2004 3:21 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the proposal to increase the threshold to exempt more banks from Community Reinvestment Act requirements. Enforcement of the CRA is essential to assure an adequate supply of affordable housing.

David Pels
18 Spur Lane
Newington, CT