Federal Deposit
Insurance Corporation

From: Michael McCarthy [mailto:MMcCarthy@workplace.org]
Sent: Wednesday, October 20, 2004 1:16 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.

Michael J. McCarthy
83 Olive Street
New Haven, CT 06511