From: Erika Malone [mailto:erikamalone@kclt.org]
Sent: Friday, September 17, 2004 4:00 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50
To Whom It May Concern:
Please let the record show that 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. Low-
and moderate-income community members of Whatcom County, Washington
depend greatly on CRA incentives for banks to invest in low-income
communities.
Thank you,
~~~~~~~~~~~~~~~~~~~~~~~~~~~
Erika Malone
Programs Director
Kulshan Community Land Trust
215 West Holly Street, Suite H-20
Bellingham, WA
