From: Gregratliff6@aol.com [mailto:Gregratliff6@aol.com]
Sent: Wednesday, October 20, 2004 6:13 PM
To: Comments
Subject: CRA

Robert E. Feldman
Executive Secretary
Attn: Comments/Legal ISS
Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429-9990

Re: RIN 3064-AC50

Gentlemen:

I strongly oppose the rule changing the Community Reinvestment Act regulations. In my opnion, it will significantly undermine the communities and people who need help the most. Please do not adopt this rule.

Respectfully,

Gregory Ratliff
1712 W. Carmen Ave
Chicago, IL 60640