Federal Deposit
Insurance Corporation

From: Jones, Phil [mailto:PJones@icfconsulting.com]
Sent: Wednesday, October 20, 2004 11:54 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Please do not change the CRA exam thresholds. Excluding smaller institutions from requirements will have the effect of leaving high-poverty areas without access to capital needed for housing.

Phil Jones, ICF Consulting
Takoma Park, MD 20912