Federal Deposit
Insurance Corporation

Mercy Housing

From: Kathleen Brownlee [mailto:KATHY@mercyhousing.org]
Sent: Monday, October 11, 2004 8:30 AM
To: Comments
Subject: RIN #3064-AC50
Importance: High

I oppose the FDIC's proposal to increase the asset threshold for the CRA "streamlined" exam to $1 billion. The proposal will harm low- and moderate-income communities across the country by reducing private capital for affordable housing and community and economic development. While I support a meaningful “Community Development Test” for all institutions as a way of increasing private capital for these important activities, the proposed ”Community Development Criterion" is a poor substitute.

Kathleen R. Brownlee
Mercy Housing
615 Peachtree St., Suite 1105
Atlanta, GA 30308