Federal Deposit
Insurance Corporation

From: Cindy Nau [mailto:cnau@ci.lawrence.ks.us]
Sent: Monday, September 20, 2004 10:14 AM
To: Comments
Subject: Community Reinvestment -- RIN 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. All banks with assets over $250 million should be subject to
full CRA exams.

Cindy L. Nau
Neighborhood Programs Specialist
Neighborhood Resources Department
City of Lawrence