Federal Deposit
Insurance Corporation

From: Nancy Ulman [mailto:nulman@greatrivers.info]
Sent: Monday, October 18, 2004 9:40 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I have read this proposed rule, and believe it will be detrimental to the very important community development work that has been motivated and supported by the Community Reinvestment Act. To remove many medium-sized banks from the requirement for detailed review will mean that in some medium-sized communities, the entire banking community receives only the limited CRA review.

In my work in creating an interconnected system of parks, trails, and greenways, we encounter many barriers to working with the lower income communities to leverage the investment our district is making. We need all the tools we can get to inspire financial institutions to take a risk on a less well heeled community.

Nancy C. Ulman, AICP
Project Manager
The Great Rivers Greenway District
1000 St. Louis Union Station, Suite 102
St. Louis, MO