Federal Deposit
Insurance Corporation

Comments on the Proposed Rule on Customer Identification Program:

How will a written risk based customer identification program hinder terrorists or terrorists organizations? The alerts and messages that the FDIC, etc. send to our banks concerning landered money, etc. should be enough! Is putting something in writing going to make it better or more useful? Surely, we are required to have enough written policies!!

Large deposits, particularly from middle easteners, sick out like a "sore thumb" in small banks. Large metropolitan banks make be different! Where have you found the landered deposits so far? Has it been in small town country banks?

This proposal is certainly not meaningful for every bank in the United States!

We all want to limit or put a stop to landered money and terrorism, but one more written bank policy isn't going to do it.

Philip R, Eaton
President
Commercial Bank
Parsons, Kansas