From: Flyfisher6032@aol.com [mailto:Flyfisher6032@aol.com]
Sent: Friday, September 17, 2004 4:36 PM
To: Comments
Cc: Dan.Schwick@lssi.org
Subject: Community Reinvestment -- RIN 3064-AC50

The proposed change to define the size of our financial institution will substantially reduce the amount of money reinvested in our communities. I completely understand that the financial institution has to make a profit, or go broke. We cannot allow our financial institutions to exclude or change the following:

(1) The number and amount of community development loans (including originations and purchases of loans and other community development loan data provided by the bank, such as data on loans outstanding, investments, community development loans, or community development services and the extent to which the investments are not routinely provided by private investors; and
(3) The bank's responsiveness to credit and community development needs.
(4) Indirect activities. At a bank's option, the FDIC will consider in its community development performance assessment:
(i) Qualified investments or community development service, provided by an affiliate of the bank, if the investments or services are not claimed by any other institution; and
(ii) Community development lending by affiliates, consortia and third parties, subject to the requirements and limitations in Sec. 345.22(c) and (d).

It is obvious that I'm not a member of the financial institution industry, but if this proposal hinders or reduces the amount of money our communities receive, then we must not allow the rules to change. This is all a part of keeping America strong. America is much more than money. America is the people who live here. We really are our brother's keeper.

Your brother in christ,

Steve Biehler
24524 80th Avenue North
Port Byron, Illinois