From: pj [mailto:p_jen@yahoo.com]
Sent: Wednesday, October 13, 2004 12:26 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear FDIC,
I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities. The CRA has been vital in bringing much needed investment and services to low income communities, particularly those of color and which has historically been neglected. The FDIC's proposal would turn back the clock in the worse possible way.
Sincerely,
Peggy Jen
Martinez, CA