Federal Deposit
Insurance Corporation

From: Karline.Tierney@att.net [mailto:Karline.Tierney@att.net]
Sent: Wednesday, October 20, 2004 9:52 AM
To: Comment
Subject: Proposed rule change on CRA

TO: Robert E. Feldman, Executive Secretary

ATTENTION: Comments/Legal ISS

FDIC

Re: RIN 3064-AC50

Dear Mr. Feldman,

Today's New York Times describes the proposed rule change, and I am writing to express my strong opposition to this proposed change. This reduction in number of banks required to provide loans to the poor community will be a disaster. PLEASE DO NOT ADOPT THIS RULE.

Karline K. Tierney, 717 Maiden Choice Lane Apt T03, Catonsville, Maryland 21228