Federal Deposit
Insurance Corporation

From: Andrea Cohen [mailto:ACohen@rcdev.org]
Sent: Monday, September 20, 2004 12:27 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

To Whom it May Concern:

The CRA requirements fuel affordable housing production – and without them, banks will not invest in this critical need. The FDIC’s proposal would reduce lending to affordable housing developments among smaller banks and should not be supported.

Andrea Cohen
Oakland, CA