Federal Deposit
Insurance Corporation

From: Michael Appel [mailto:mappel@avalonhousing.org]
Sent: Wednesday, October 13, 2004 4:07 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the proposal which would 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. It is a mistake to reduce the scope and impact of an effective law, such as the CRA.


Michael Appel
Associate Director
Avalon Housing
603 W. Huron
Ann Arbor, MI 48103