Federal Deposit
Insurance Corporation

From: Brooke Williams [mailto:bcw2102@columbia.edu]
Sent: Thursday, October 14, 2004 2:43 PM
To: Comments
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. Community organizations that participate in our programs (Executive Education for not-for-profit managers) rely heavily on funding provided through the Community Reinvestment Act, and would suffer if the proposed change were to take place.

Sincerely,
Brooke Williams
Program Coordinator
Institute for Not-for-Profit Management
Executive Education
Columbia Graduate School of Business
Armstrong Hall
2880 Broadway -- 4th floor
New York, NY 10025