Federal Deposit
Insurance Corporation

From: Jo Raff [mailto:Jo@hdcweb.com]
Sent: Wednesday, October 20, 2004 1:37 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose any changes to the CRA, I believe it will affect communities adversely to make the changes that are proposed. Jo
Jo A. Raff
Director of Property Management
Housing Development Corporation