Federal Deposit
Insurance Corporation

From: Jack McCullough [mailto:JMcCullough@vtlegalaid.org]
Sent: Wednesday, October 20, 2004 4:16 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

The Community Reinvestment Act is a powerful tool to encourage banks to
serve the communities in which they operate. 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