Federal Deposit
Insurance Corporation

From: Brettassoc@aol.com [mailto:Brettassoc@aol.com]
Sent: Wednesday, October 13, 2004 4:51 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Please reject the proposed rule changes. I work with developers and non-profit organizations who seek to expand affordable housing supply and available shopping choices in low and moderate income communities. The provisions of the CRA bring both large and small lending institutions to the table as partners in these laudable efforts. Reducing the number of banks who are required to demonstrate full participation in CRA goals will have negative effects on access to capital, especially in underserved communities not reached by the nation's mega-banks.

Deborah L. Brett, AICP
Deborah L. Brett & Associates
Seven Sherman Court
Plainsboro, NJ 08536-2332
(609) 275-9372