From: Charleen Regan [mailto:charregan@earthlink.net]
Sent: Thursday, September 16, 2004 3:30 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

The CRA has been instrumental in engaging banks and lending institutions with the community and providing funds for affordable housing. I urge you not to allow banks with assets over $250 million to be examined as small banks. This would reduce incentives for banks to lend in their communities and would restrict low income housing production.