From: Accessible Housing [mailto:morris@accessiblehousing.net]
Sent: Wednesday, October 13, 2004 10:45 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Allowing larger banks to be treated as smaller community banks in terms of accountability appears to open the door for inappropriate actions and consequences to the community.

Therefore, 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.

Sincerely,

Morris J. Anderson