From: Katie Ullrich [mailto:katie@pclt.org]
Sent: Thursday, October 14, 2004 8:41 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. We rely on lenders to work closely with our low income applicants to make the land trust model work.

Katie Ullrich
Homeownership Program Manager
Portland Community Land Trust
3109B NE Broadway
Portland, OR 97232
503-493-0293 phone
503-493-7333 fax