Federal Deposit
Insurance Corporation

From: RDGILL@aol.com [mailto:RDGILL@aol.com]
Sent: Monday, October 18, 2004 1:14 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am writing to oppose the FDIC's proposal to quadruple the asset threshold for the CRA exam to $1 billion, as it will have a significant and damaging impact on low-income communities in rural parts of the U.S. through a resulting decline in grants and loans to build affordable housing, fund small businesses, and support social services.

Ryan Gilliam
Artistic Director, Downtown Art
c/o 486 9th Street, Brooklyn, NY 11215