Federal Deposit
Insurance Corporation

From: Mark Moulton [mailto:mark@peninsulahabitat.org]
Sent: Monday, October 18, 2004 2:01 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Banks with under $250M assets must continue to particpate in CRA progams. Communities with lower incomes will be hurt by lack of business opportunity in part supported by these programs.

Thank you,

Mark Moulton
Founding Director
Peninsula Habitat for Humanity
690 Broadway Street
Redwood City, CA 94063