Federal Deposit
Insurance Corporation

From: Lesley Higgins-Biddle [mailto:lesleyhb@adelphia.net]
Sent: Wednesday, October 13, 2004 1:29 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am definitely in opposition to the proposed change allowing banks with assets above $250 to be examined like small banks under CRA. CRA is one of the most important tools for channelling funding and investment into low-income neighborhoods and one of the most effective, cost-saving ways for government to encourage private lenders to be responsible players in lifting distressed communitities.
Thank you,
Lesley Higgins-Biddle