From: Tralph00@aol.com [mailto:Tralph00@aol.com]
Sent: Wednesday, October 13, 2004 8:34 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

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 and severely undermine the intent of the CRA.