Federal Deposit
Insurance Corporation

From: Steven Libby [mailto:stevenlibby@yahoo.com]
Sent: Wednesday, October 13, 2004 4:12 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

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.

Preserve the CRA as it is; changing it will make our country poorer, less egalitarian and less
secure.

Steven Libby
stevenlibby@yahoo.com
Jersey City, New Jersey