Federal Deposit
Insurance Corporation

From: Michael Goldberg [mailto:MGoldberg@heartlandalliance.org]
Sent: Monday, October 18, 2004 10:55 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear FDIC: I would like to express my opposition to your 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 the low-income communities that desperately need these resources. Thank you for your consideration.

Michael Goldberg
Director of Real Estate Development
Heartland Housing, Inc.
208 South LaSalle, Suite 1818
Chicago, Illinois