Federal Deposit
Insurance Corporation

From: Joby Thoyalil [mailto:joby1@rediffmail.com]
Sent: Wednesday, October 20, 2004 4:29 PM
To: Comments
Subject: RIN 3064-AC50

Mr. Robert E. Feldman
Executive Secretary
Attention: Comments/Legal ESS

Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429-9990.
Re: RIN 3064-AC50

Gentlemen Re RIN 3064-AC50:

I strongly oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. In my opinion, it will significantly undermine low and moderate income communities. Please do not adopt this rule.

Respectfully,

Joby Thoyalil

Brooklyn, NY