Federal Deposit
Insurance Corporation

From: Andrew Pitcher [mailto:andrew@sparcweb.org]
Sent: Thursday, October 14, 2004 1:32 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear Sir or Madam:

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. Relaxing important requirements under the CRA does not serve the public's interest in making banks accountable to ordinary citizens.

Andrew Pitcher
Program Director
Sparc
843 Rice Street
Saint Paul, Minnesota 55117
tel (651) 488-1039
fax (651) 488-6309