Federal Deposit
Insurance Corporation

From: Raymond J. Hodges [mailto:rhodges@MIT.EDU]
Sent: Wednesday, October 13, 2004 6:08 PM
To: Comments
Subject: RE: Community Reinvestment. 12 CFR Part 345

To whom it may concern,

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities. This would have many negative long-term effects on communities that have seen the short end of the stick too many times already.

Please reconsider this near-sited proposal.

Sincerely,
Raymond J. Hodges