Federal Deposit
Insurance Corporation

From: kphillips@pyadesign.com [mailto:kphillips@pyadesign.com]
Sent: Thursday, October 14, 2004 11:19 AM
To: Comments
Subject: Save the Community Reinvestment Act

Dear FDIC,

Mr. Feldman:

I am a concerned citizen who opposes your rule proposal that would ease Community Reinvestment Act (CRA) requirements for most of the banks in my area. CRA is vital for increasing homeownership, promoting minority business ownership, meeting the community development needs of struggling communities and support the capital requirements of nonprofits.

Kristen Phillips

7105 Captains Cove Ct.

Alexandria, Va
22315