Each depositor insured to at least $250,000 per insured bank

From: RAHomer@aol.com [mailto:RAHomer@aol.com]
Sent: Monday, October 18, 2004 3:11 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Gentlemmen:

We oppose the proposed streamlined regulation. Even though the regulation could enhance the demand for our product we believe that it may reduce the overall flow of capital into low and moderate income communities.

Ron Homer
Access Capital Strategies LLC
124 Mt. Auburn St. 200N
Cambridge, MA