Federal Deposit
Insurance Corporation

October 21, 2004

Mr. Robert E. Feldman
Executive Secretary
Attention: Comments/Legal ESS
Federal Deposit Insurance Corporation
550 17th St. NW
Washington, DC 20429

Re: RIN number 3064-AC50

To Whom It May Concern:

My name is Luis Rojas and I am a construction specialist who has seen first hand the wonderful results and benefits of programs like the ones CRA offers. I am in total opposition to the proposal of the CRA to be gutted, "streamlined" or otherwise.

Luis Rojas