Federal Deposit
Insurance Corporation

From: David Clemo [mailto:dclemo3@comcast.net]
Sent: Wednesday, October 13, 2004 8:02 PM
To: Comments
Subject: CRA

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. At a time when the poor among us is growing, we should be doing everything we can to provide more services in low-income communities. This is not compassionate!

David Clemo
Grand Rapids MI