Federal Deposit
Insurance Corporation

From: res95@ix.netcom.com [mailto:res95@ix.netcom.com]
Sent: Wednesday, October 13, 2004 4:39 PM
To: Comments
Subject: community reinvestment -- rin 3064-ac50

I am opposed to 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. This act has been essential to reinvigorating communities previously marginalized by unfair lending practices of commercial banks, and this rule change will weaken this vital act.

Roy Smith
Seattle, WA