Federal Deposit
Insurance Corporation

From: Julie Riddle [mailto:jriddle@hafs.org]
Sent: Monday, October 18, 2004 4:10 PM
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.

Thank you for taking these concerns into consideration. I hope that the FDIC makes a decision that will benefit the low-income communities CRA was designed to serve.

Julie Riddle
IDA Program Manager
Heart of America Family Services
1829 Madison
Kansas City, MO