Federal Deposit
Insurance Corporation

September 7, 2004

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

Re RIN 3064-AC50

Dear Mr. Feldman:

I strongly oppose the above-referenced proposed rule changing the Community Reinvestment Act regulations. This change will exacerbate both public and private sector disinvestment in rural America. From my own experience, I know that because of the current CRA rule, there has been significantly more investment into both affordable housing and economic development than would have occurred otherwise. Rural America cannot afford any additional disinvestment of its scarce resources into "hot" urban or collar county communities just because lenders are unwilling to consider non-traditional investments into rural America.

Thank you.
Sincerely,
Cam Dahl