From: Celia Cole [mailto:Celia_Cole@netzero.net]
Sent: Tuesday, September 28, 2004 4:10 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I agree wholeheartedly with the comments of the Congressional Black Caucus submitted in September 2004. I am not a banker and do not fully understand what is being proposed. However, as the Black Caucus points out, the CRA is not about big and little banks, and anything that threatens our commitment to reinvest in our communities is a mistake. Our society is provides significant advantage to those with wealth and power. Any steps taken to increase barriers to the opportunities that we say are available to all our citizens are steps in a backward direction. Do not make this change.

Sincerely,

Celia Cole
357 Goldenview Dr
Battle Creek, MI 49015