Federal Deposit
Insurance Corporation

From: Erin Scharff [mailto:erin.scharff@gmail.com]
Sent: Wednesday, October 20, 2004 10:52 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear FDIC--

We need to keep finicial services (especially mortages) available to rural and inner-city Americans. The proposed change to rules in the CRA will prevent much needed services in some of the poorest parts of America. I oppose this proposed change.

Erin

Erin Adele Scharff