Federal Deposit
Insurance Corporation

From: Grantee Grantor Services [mailto:ggservices@ecentral.com]
Sent: Tuesday, October 19, 2004 12:26 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I believe that the proposed change in bank asset limits for full review is not a wise choice. Especially in rural states, an asset limit of $1 billion would exclude too many banks from appropriate review for compliance with Community Reinvestment requirements. The affordable housing situation continues to be a crisis largely out of the public eye. Too many people are either homeless, have choice limited to crowded or deteriortated conditions, or spend an exhorbitant amount of available income for housing. Housing is increasingly beyond the reach of more and more families as incomes rise more slowly than housing prices. While we do not want bamks to make unwise investments, continued focus on providing capital to address housing and other banking needs of lower income persons must continue to be an important focus of our banking institutions, including those with assets between $250 million and $1 billion. I urge you to withdraw this proposed rule.

Charles Kreiman
6974 E Heritage Pl N
Centennial, CO