Federal Deposit
Insurance Corporation

From: Matt Mendenhall [mailto:customizingoutcomes@msn.com]
Sent: Wednesday, October 20, 2004 8:33 AM
To: Comments
Subject: RIN 3064-AC50

Robert E. Feldman, Executive Secretary
Attention: Comments/Legal ISS
Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429-9990.
Re: RIN 3064-AC50

To Whom It May Concern - regarding RIN 3064-AC50:

I oppose the proposed rule changing the Community Reinvestment
Act regulations. In my opinion, it will undermine low and moderate income communities. A free market operates on competition and choice. Please do not adopt this rule.

Respectfully,

Matt Mendenhall, MSW, LMSW

Bettendorf, Iowa