Federal Deposit
Insurance Corporation

From: FtGreeneSoccer@aol.com [mailto:FtGreeneSoccer@aol.com]
Sent: Wednesday, October 20, 2004 4:18 PM
To: Comments
Subject: RIN 3064-AC50

Gentlemen:

I have lived under the shadow of a red-lined neighborhood for years. As time goes by, ATM companies have made a fortune off the backs of low income residents, as well as led to the loss of many small S & Ls devoured by major banks. This has led to a horrible economic cycle of recession in our neighborhoods, where the lack of access to banks & loans have led to foreclosures and collapse of the small businessman. 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. In my opinion, it will really undermine all underserved New York communities. Please do not adopt this rule.

Bob Byer
Brooklyn, NY