Federal Deposit
Insurance Corporation

From: Karin Pally [mailto:kpally@earthlink.net]
Sent: Wednesday, October 13, 2004 4:33 PM
To: Comments
Subject: Coommnet on Community Reinvestment 12 CFR Part 345

Re: Community Reinvestment.
12 CFR Part 345.

From:

Karin Pally, Principal
Karin Pally Associates
Santa Monica, CA 90405

The FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act would reduce lending, investments and services in low-income communities. I therefore oppose this proposal and urge you not to make this change in the rules.

Sincerely,
Karin Pally