Federal Deposit
Insurance Corporation

From: Benjamin McCloskey [mailto:bpmccloskey@gmail.com]
Sent: Sunday, October 17, 2004 6:47 PM
To: Comments
Subject: 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 in low-income communities. As someone who works every day with people who have benefited from bank's investments in their poor community, I know that this rule would be harmful.

Sincerely,
Benjamin McCloskey
366 Dolores St., #1
San Francisco, CA 94110