Federal Deposit
Insurance Corporation

From: BarbaraJGross@aol.com [mailto:BarbaraJGross@aol.com]
Sent: Sunday, October 17, 2004 11:49 AM
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:

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 and moderate income communities.

Daily, I work with income limited citizens where access to banking services is challenging enough but by eliminating CRA for smaller banks more obstacleswill stand in their way. CRA provides a commitment by our local banks to ensure access to all financial services, checking, savings, loans, etc.

I would urge you to PLEASE NOT ADOPT this POLICY.

Thank you,

Barbara Gross
1016 W. 5th Street
Davenport, IA 52802