Federal Deposit
Insurance Corporation

From: Robert B. Warner [mailto:rwarner@verizon.net]
Sent: Wednesday, October 13, 2004 4:59 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 could potentially reduce lending, investments and services in low-income communities. In an affluent county such as Howard County, Maryland we need every incentive for investment in affordable housing, one of our county's biggest social needs.

Robert Warner
President of the Board
Habitat for Humanity of Howard County (Maryland)