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From: Darby Byrd [mailto:darbybyrd@hotmail.com] Sent: Monday, July 12, 2004 10:26 AM To: Communications Subject: FIL-73-2004 The proposal is not needed. The issue has controlled by banks for years and has not been abused.
The continued issuance of new regulations and/or amending old regulations for no good reason to consumers or lenders is creating a great burden on community banks. We spend to much time focusing on regulations in stead of other risk management and serving our customers.