Federal Deposit
Insurance Corporation

From: David Koven [mailto:dkoven90@comcast.net]
Sent: Wednesday, October 20, 2004 11:26 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I have been involved in revitalizing depressed communities for 25 years. I have had more than one banker tell me that they would not be working with me if not for the CRA. I have had bankers vying for my business becuase of the CRA.

But there is still so far to go.

Save the CRA.

David Koven
33 Harrison Street
Newton Highlands, MA