Federal Deposit
Insurance Corporation

From: Morgan Ruhnke [mailto:mruhnke@hafs.org]
Sent: Monday, October 18, 2004 2:20 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.

Morgan Ruhnke
Heart of America Family Services
Kansas City, KS