Federal Deposit
Insurance Corporation

From: Kevin Washington [mailto:washington306@yahoo.com]
Sent: Saturday, October 16, 2004 5:22 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

The Community Reinvestment Act, clearly is intended to not just support the "Community" needs as a group, but also is to assure each individual in that community that they will be treated fairly and with equal access to capital/services.

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.

Close scrutiny should be made of all banks to ensure consistent application of the CRA, so that it's purpose can be realized in all communities, small and large.

The proposal just does not make sense. Funds could be diverted to organizations while individual citizens do not have their interest served, and they could be neglected or other wise treated unfairly.

Sincerely,
Kevin Washington
C.L.I.C.K.
Commitment Learning Integrity Connectedness Kindness