Federal Deposit
Insurance Corporation

From: Janet Welch [mailto:janetw12@msn.com]
Sent: Wednesday, October 13, 2004 5:02 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 a small bank under the Community Reinvestment Act. This policy would reduce lending, investments and services in low income areas where big banks are conducting business.

Janet Welch
West Angeles CDC
EMPOWER Program
Director
Training and Employment
323 291-1472 ext. 23