Federal Deposit
Insurance Corporation

From: Erin Kilmer Neel [mailto:ekn@locallywrapped.org]
Sent: Tuesday, October 19, 2004 5:43 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. This act has been an important tool the development of our low-income communities. It should NOT be watered down!

Thank you for listening.

Erin