Federal Deposit
Insurance Corporation

From: Kim Gibson [mailto:kimgibson@mchsi.com]
Sent: Sunday, October 17, 2004 6:23 PM
To: Comments
Subject: "RIN 3064-AC50"

Robert E. Feldman, Executive Secretary
Attention: Comments/Legal ISS
Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429-9990.
Re: RIN 3064-AC50

To Whom It May Concern - regarding RIN 3064-AC50:

Please do not adopt this rule. "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."

I strongly oppose the proposed rule changing the Community Reinvestment Act regulations. In my opinion, it will really undermine low and moderate income communities.

Respectfully,

Kimberly Gibson
1800 Hollowview DriveBettendorf, IA 52722