From: Jim Bonar [mailto:jim@skidrow.org]
Sent: Friday, October 15, 2004 6:30 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 the low-income communities that my agency serves communities.

James Bonar, FAIA, Executive Director
Skid Row Housing Trust
1317 E. 7th Street
Los Angeles, CA 90021
phone: 213-683-0522 ext. 133
fax: 213-683-0781