Federal Deposit
Insurance Corporation

From: Sandy Strauss [mailto:s.strauss@pachurches.org]
Sent: Wednesday, October 20, 2004 2:27 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the change to the definition of "small banks" as it will severely hurt rural and lower income communities and borrowers who are seriously underserved by the larger institutions that this change would effect. I also oppose the redefinition of what “meeting credit needs” means in rural communities by eliminating the requirement that banks address low and moderate income needs.

Rev. Sandra L. Strauss
Director of Public Advocacy
Pennsylvania Council of Churches
900 South Arlington Avenue, Suite 100
Harrisburg, PA 17109-5089
Telephone (717) 545-4761
Facsimile (717) 545-4765
s.strauss@pachurches.org