Federal Deposit
Insurance Corporation

From: Katherine Gorell [mailto:msgorell@hotmail.com]
Sent: Thursday, October 14, 2004 11:29 AM
To: Comments
Cc: joncalvert@mindspring.com; timoeddy@aol.com; chispa414@yahoo.com
Subject: Community Reinvestment -- RIN 3064-AC50

To Whom it May Concern,

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. CRA is a vital and necessary tool to facillitate the positive
development of our most vulnerable neighborhoods in transition.

Sincerely,

Katherine Gorell
416 Bergen St. #3
Brooklyn, NY 11217