Federal Deposit
Insurance Corporation

From: verdetree@netzero.com [mailto:verdetree@netzero.com]
Sent: Wednesday, October 13, 2004 4:41 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

To Whom it May Concern,

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.

I work for a Habitat for Humanity affiliate and we have formed a partnership with a lender that has made a major impact on our ability to construct simple decent homes that we sell to buyers under 50% of AMI. The lender was interested in this partnership in large part because of CRA. My affiliate and the lender are partnering together to make a difference for families and communities, thanks to CRA.

I also volunteer with other community groups in my county, including the local homeless shelter/transitional housing organization. The challenges the low-income community faces are huge, we need all the partners and investments we can get.

The US has the largest gap between haves and have-nots in the developed world. CRA is one positive and empowering program that benefits all of us, because we all suffer when individuals and communities are not able to achieve their potential due to lack of investment.

Anjeanette Perkins
PO Box 2224
Ames, IA 50010
verdetree@netzero.com
515-663-9758