From: Kori Kanayama [mailto:kori@mindspring.com]
Sent: Friday, September 17, 2004 10:28 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear Sir/Madam:

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 especially rural and small communities in which community-based groups struggle to meet the affordable housing and community development needs. Please reconsider this proposal and protect the interest of the not-for-profit groups that are trying to improve poor community conditions.

Thank you,

Kori Kanayama, Principal
Community Development Resource