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FDIC Federal Register Citations
From: Phyllis Clem [mailto:phyllisclem@bellsouth.net]
Sent: Tuesday, October 19, 2004 1:52 PM
To: Comments
Subject: RIN 3064-AC50
Gentlemen,
Please do not increase the definition of a small bank from $250 million
to $1 billion. Making this change will exempt more than 90 percent
of the rural banks your regulate from the three-part exam. Also, do
not provide CRA credit for activities which do not benefit low and
moderate income people and places. It is hard enough to develop rural
communities. These changes would be a blow, reducing rural lending,
investments and services
Respectfully,
Phyllis Clem
120 Morris Road
Winchester, KY
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