From: Noeleen Luckert [mailto:nluckert@sojourners.com]
Sent: Thursday, September 16, 2004 1:40 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. This
would greatly reduce services in low income families, thereby unjustly
preventing everyone from equal opportunity.

Noeleen Luckert
Washington DC