Federal Deposit
Insurance Corporation

From: Colleen Cavallo [mailto:ccavallo@fnccny.org]
Sent: Monday, October 18, 2004 11:41 AM
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.

Colleen Cavallo
Family Nurturing Center of Central New York, Inc.
209 Elizabeth Street, 4th Floor
Utica, NY