Federal Deposit
Insurance Corporation

From: Nancy Shirey [mailto:nanshire@redshift.com]
Sent: Thursday, October 14, 2004 6:56 PM
To: Comments
Subject: Threat to CRA

As a Community Land Trust - Una Nueva Esperanza (UNE)- located in central coastal California, we definitely oppose the FDIC's proposal to allow banks with assets above $50 million to be examined as small banks under the Community Reinvestment Act. Services to low-income communities are vital and this proposal would reduce such important services.
Nancy J. Shirey
nanshire@redshift.com
(831) 484-1789