Federal Deposit
Insurance Corporation

From: John Schweitzer [mailto:schweit1@msu.edu]
Sent: Wednesday, October 13, 2004 4:19 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am writing to express my opposition to the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. As an urban researcher who has worked with low-income communities for 34 years, it is my opinion that this policy would harm low-income communities by reducing lending, investments and services.

John H. Schweitzer
Professor, Urban and Regional Planning Program
201 UPLA Building
Michigan State University
East Lansing, MI 48824-1221