Federal Deposit
Insurance Corporation

From: Newtonville6@aol.com [mailto:Newtonville6@aol.com]
Sent: Wednesday, October 13, 2004 8:34 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the proposed changes in CRA regulations which reduce the number of thrift instituions whose lending practices will undergo the most thorough regulation, because I believe that it will undermine one of the most successful programs increasing lending to low-income communities.

Sincerely,

Kenneth A. Galdston
95 Fair Oaks Avenue
Newton, Massachusetts 02460