From: Brian Miller [mailto:brian@sewardredesign.org]
Sent: Thursday, October 14, 2004 6:33 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Good Day:

I wish to voice my concern over the proposed changes to the Community Reinvestment Act. I strongly oppose exempting banks with assets above $250 million from the requirements of the act. This is a segment of the lending community crucial to community and small business investment, in lower-income communities in particular. It will not only reduce lending, investment and services in low-income communities, but also reduce the incentive for these banks to provide another crucial element of community development—expertise and leadership.

Please reconsider the proposed changes to the act.

Brian H. Miller
Seward Redesign
2323 E. Franklin Avenue
Minneapolis, MN 55406
612-338-8729 x-107; fax 612-399-0739