Federal Deposit
Insurance Corporation

From: Joy Horak-Brown [mailto:joy@newhopehousing.com]
Sent: Monday, September 20, 2004 12:38 PM
To: Comments
Subject: RIN number 3064-AC50

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities.
Sincerely,