Federal Deposit
Insurance Corporation

From: Mick Patterson [mailto:dj4694@yahoo.ca]
Sent: Wednesday, October 20, 2004 4:16 PM
To: Comments
Subject: RIN 3064-AC50

I was unable to comment at your website because the respond feature didn't work.

CRA limits need to be LOWERED, not raised. The proposed changes make Low Income Housing Tax Credits lose a lot of value. This is the only serious federal program for producing affordable housing.

The proposed changes are VERY, VERY bad for America. They would negatively impact millions of people.