Federal Deposit
Insurance Corporation

From: Pamela Hyman [mailto:pamelhyman@msn.com]
Sent: Wednesday, October 20, 2004 8:54 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I AM OPPOSED TO THE FDIC'S PROPOSED CHANGES WITH REGARD TO THE CRA EXAM LIMITS - THIS IS NOT GOING TO IMPROVE THE CRITICAL SHORTAGE IN HOUSING FOR LOWER INCOME PEOPLE.

PAMELA G. HYMAN