Federal Deposit
Insurance Corporation

From: Jennifer Gilbert [mailto:jen.gilbert@verizon.net]
Sent: Wednesday, October 20, 2004 4:39 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am concerned that the FDIC would change the standard determining which banks are reviewed as small banks for CRA. Some states would have no banks subject to the review at all. It should be left where it is at $250 million. CRA is very important is getting money to low income communities.

Jennifer Gilbert

Somerville, MA