Federal Deposit
Insurance Corporation

From: Andrew J. Nelson [mailto:ajnelson@nelsoneconomics.com]
Sent: Thursday, October 14, 2004 11:43 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I strongly oppose the FDIC's proposed changes to CRA raising the bar from $250 million to $1 billion in order to quality for the full CRA exam. CRA is vital for increasing lending in low-income communities. The rules should be strengthened, not weakened. I strongly urge you to reconsider.

Andrew J. Nelson
Nelson Economics Group
Real Estate Economics
4043 Piedmont Avenue, #216
Oakland, CA 94611