Federal Deposit
Insurance Corporation

From: Kathleen Mertz [mailto:kmertz@nonprofithousing.org]
Sent: Wednesday, October 13, 2004 5:35 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

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.

Kathleen Mertz
Non-Profit Housing Association
of Northern California (NPH)
369 Pine Street, Ste. 350
San Francisco, CA 94104
415.989.8160 x10
415.989.8166 fax