From: Heidi Manschreck [mailto:heidiman@umich.edu]
Sent: Saturday, October 16, 2004 10:41 AM
To: Comments
Subject: Comment on 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.

Heidi Manschreck
University of Michigan Law School