From: Cross, Martha [mailto:mcross@hillier.com]
Sent: Thursday, September 16, 2004 1:36 PM
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. Lending and investment opportunities and other services are vital for low-income communities to realize revitalization opportunities and are at risk with the approval of this proposal. The neighborhood planning that I have done has relied heavily on the participation and services of the banking community acting as agents of change in community revitalization. By lessening the accountability of these financial institutions, the resources of struggling and even successful community development corporations will be drastically reduced.

Please preserve the Community Reinvestment Act and continue the investments and opportunity in our low-income neighborhoods.

Sincerely,

Martha Cross
Urban Planner

MARTHA J. CROSS
Hillier ARCHITECTURE
One South Penn Square, Philadelphia, PA 19107-3502 | T 215 636-9999 | F 215 636-9989 | hillier.com