Federal Deposit
Insurance Corporation

From: Joy McCracken [mailto:joy@nhsbh.org]
Sent: Friday, October 15, 2004 12:19 PM
To: Comments
Subject: SPAM::Community Reinvestment -- RIN 3064-AC50

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 to many low-income communities. Non-profits throughout South Dakota rely on strong partnerships with banks to provide programs and services to assist low-income families with homeownership opportunites, without strong CRA regulations these partnerships would not exist.

Joy McCracken, Executive Director
Neighborhood Housing Services of the Black Hills
817 1/2 Main Street
Deadwood, SD 57732
(605) 578-1401