Federal Deposit
Insurance Corporation

From: Harvey Garrett [mailto:hgarrett@adelphia.net]
Sent: Friday, October 15, 2004 4:38 PM
To: Comments
Cc: mclarke@lisc.net
Subject: Community Reinvestment -- RIN 3064-AC50

We strongly 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 our low-income communities.

Please reconsider this proposal,

Harvey Garrett
Co Chair West Side Community Collaborative
Buffalo, NY