Federal Deposit
Insurance Corporation

SOBRO

From: Phillip Morrow [mailto:pmorrow@sobro.org]
Sent: Thursday, October 14, 2004 9:43 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am the president of a thirty two year old community development organization serving the South Bronx. We are opposed to the proposed changes in the CRA. They will exempt a large number of small banks from review This is bad for low income communities all over America. Phillip Morrow

Phillip Morrow
President SoBRO
555 bergen Avenue
Bronx New York