Federal Deposit
Insurance Corporation

From: JenWintner@aol.com [mailto:JenWintner@aol.com]
Sent: Wednesday, October 20, 2004 8:54 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am an attorney who works with nonprofit developers of affordable housing. I oppose the proposal to change the asset requirements for CRA and to streamline the CRA exam. The proposal will be extremely detrimental to low- and moderate-income communities, especially those in rural areas. I urge you not to enact the proposal.

Jennifer E. Wintner
2733 Scarborough Road
Cleveland Hts., OH