Federal Deposit
Insurance Corporation

From: Jess Wendover [mailto:jess@urbanecology.org]
Sent: Monday, October 18, 2004 8:23 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

As a former employee of the Neighborhood Reinvestment Corporation, and a current employee of a non-profit community development organization, 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. Furthermore, it allows many banks to avoid the scrutiny that CRA was created for. Rejecting this rule revision allows our country to protect itself from the degradation of our inner-city communities that is caused by red-lining. Thank you for your time.

Jess Wendover
Designer
Urban Ecology
414 13th Street, Suite 500
Oakland, CA