From:
Mike Menzies [mailto:mmenzies@eastonbankandtrust.com]
Sent: Monday, April 19, 2004 10:32 AM
To: regs.comments@occ.treas.gov; regs.comments@federalreserve.gov; Comments;
regs.comments@ots.treas
Subject:
Office of the
Comptroller of the Currency
Ms. Jennifer J. Johnson, Secretary, Board of Governors of the Federal Reserve
Robert E. Feldman, Executive Secretary, FDIC
Chief Counsel of the OTS
Ladies and Gentlemen: You are soliciting comment on the EGRPA Review of Consumer
Protection Lending Related Rules: My compliments on your effort to evaluate
regulatory burden. We are a small community bank and we dedicate 95% or our
deposits to the health and prosperity of our local community. Our directors
live locally. Our owners live locally. Our customers are local. We support
the small business’s of our community. We invest all day and all night
in our community. You have no idea how much regulatory burden has encumbered
our efforts to accomplish the above. You have no idea how much this costs our
consumers. You have no idea how regulatory burden creates unintended consequences.
I just wanted to compliment you on your effort to get some idea.
Sincerely,
Robert Michael Stewart Menzies, Sr.
President
Easton Bank & Trust
