Federal Deposit
Insurance Corporation

From: Joseph Lieber [mailto:jlieber@kleinhornig.com]
Sent: Wednesday, October 20, 2004 2:48 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I vigorously oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act, as this proposal would lead to a reduction in lending, investments and other services in low-income communities.

Joseph S. Lieber
Klein Hornig LLP
145 Tremont Street, Suite 400
Boston, MA 02111
T. 617.224.0605