From: Heidi Brooks [mailto:heidipie@aol.com]
Sent: Friday, September 17, 2004 3:45 PM
To: Comments
Subject: Oppose Efforts to Weaken CRA RIN number 3064-AC50

Heidi Brooks
4280 Indian Springs Dr. NE
Albuquerque, NM 87109

September 17, 2004

Federal Deposit Insurance Commission

Dear Federal Deposit Insurance Commission:

Despite the successes of community development locally and nationally, the
banks and thrift institutions that provided the loans, services, and
investments to build new homes, businesses, and community facilities may
no longer have the impetus to do so if the FDIC raises the comprehensive
CRA exam threshold.

I agree with the National Congress for Community Economic Development that
this proposed change would have a devastating effect on affordable housing
and community development investment throughout the nation, particularly
in rural areas.

President Bushes comments promoting an "Ownership Society" are truly
disingenuous if the actions of officials he appointed are undermining
proven laws that revitalize communities, increase minority homeownership,
and increase small business ownership for women and minorities.

Please rescind your proposal.

Sincerely,

Heidi Topp Brooks