Federal Deposit
Insurance Corporation

From: Cheryl Kraley [mailto:cheryl@kraley.com]
Sent: Wednesday, October 20, 2004 11:04 AM
To: Comments
Subject: Comment

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 and adversely effect poor and disenfranchised members of our communities.

Cheryl Kraley, RN, NP, M.S. Maternal-Child Health
5 Fox Run Lane
Lexington, MA 02420