Federal Deposit
Insurance Corporation

From: Mike Chesser [mailto:mdc@upstatehomeless.com]
Sent: Thursday, October 14, 2004 10:19 AM
To: Comments
Subject: CRA proposed rule

Greetings!

I am the executive director of a homeless coalition in south carolina. Your proposal to decrease the number of banks subject to the full CRA bank will reduce lending, investments and services in low-income communities. I strongly urge you not to make the proposed change.

Mike Chesser
mdc@uhcsc.com