Brazos Valley Affordable Housing Corp.

From: Tom Wilkinson
Sent: Friday, August 20, 2004 5:26 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

To whom it may concern:

We are a CDC and a CDFI in Texas. Your proposal to reduce the CRA threshold for small bank to one billion is beyond comprehension. This action would eliminate 750 billion in Bank assets and nearly 90% of banks from CRA responsibility. What could you be thinking. This action at the same time resources at state and federal level are shrinking or disappearing. This does not pass the smell, taste or any other test, especially FAIRNESS. The concepts and values that created CRA are being aborted. Please rethink this action and do not raise the threshold.

Sincerely,
Tom Wilkinson, Jr.
President
Brazos Valley Affordable Housing Corp.