Federal Deposit
Insurance Corporation

From: Jane Hughes [mailto:Executivedirector@habitat-mc.org]
Sent: Wednesday, October 13, 2004 4:53 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.

Jane F. Hughes
Executive Director
Habitat for Humanity of Montgomery County, MD. Inc
18247-D Flower Hill Way
Gaithersburg, MD 20879
Phone: 301-990-0014, x 11
Fax: 301-990-7536