Federal Deposit
Insurance Corporation

From: Amanda Timm [mailto:ATimm@liscnet.org]
Sent: Wednesday, October 20, 2004 10:45 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

RE: Community Reinvestment. 12 CFR Part 345

I strongly 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.
We are seeing progress in revitalizing low-income communities from the investment under the current CRA policies. We do not want to lose ground on that progress we have already made.

Amanda Timm
Program Officer
Local Initiatives Support Corporation
2640 Fountainview, Ste. 220
Houston, Texas 77057
713.334.5700 x12
713.334.5707 fax