Federal Deposit
Insurance Corporation

From: Laurie Gould [mailto:lgould@vivaconsult.com]
Sent: Wednesday, October 20, 2004 11:05 AM
To: Comments
Subject: SPAM::Community Reinvestment -- RIN 3064-AC50

I strongly oppose the proposed changes to the Community Reinvestment Act. In particular, I object to the change that would allow banks with assets above $250 million to qualify as “small banks.” These changes would severely reduce investment, lending and services to low-income neighborhoods around the country, rolling back decades of work to improve troubled communities. The effect on efforts to increase the supply of affordable housing would be catastrophic.

Laurie Gould
VIVA Consulting
t: (617) 969-1811