| Submitted By
         | Date Received | 
| 8000. Tower Bank, Fort Wayne, IN, Jomare Bowers-Mizzell - 
         Comment | 10/18/04 | 
| 8001. Center for Impact Research, Chicago, IL - 
         Comment | 10/18/04 | 
| 8002. Dorothy Cloutier, Fall River, MA - 
         Comment | 10/18/04 | 
| 8003. Latino Learning Center, Houston, TX - 
         Comment | 10/18/04 | 
| 8004. Nita Allen, Marietta, GA - 
         Comment | 10/18/04 | 
| 8005. Christopher Milne, Attleboro, MA - 
         Comment | 10/18/04 | 
| 8006. Harold Horvat, Mansfield, MA - 
         Comment | 10/18/04 | 
| 8007. Dorothy Bushnell - 
         Comment | 10/18/04 | 
| 8008. Daniel Conrad, Norton, MA - 
         Comment | 10/18/04 | 
| 8009. Donna Boulanger, Mansfield, MA - 
         Comment | 10/18/04 | 
| 8010. Jennifer Couto, Fall River, MA - 
         Comment | 10/18/04 | 
| 8011. Independent Bank South, Lislie, MI, Christina Irvine - 
         Comment | 10/18/04 | 
| 8012. Janice M. Tillman, Gould, AR - 
         Comment | 10/18/04 | 
| 8013. Kathleen O'Donnell, Philadelphia, PA - 
         Comment | 10/18/04 | 
| 8014. Rita Verespy, Fall River, MA - 
         Comment | 10/18/04 | 
| 8015. James M. Dixon, Gary, IN - 
         Comment | 10/18/04 | 
| 8016. Township of Woodbridge, NJ, Mayor Frank G. Pelzman - 
         Comment | 10/18/04 | 
| 8017. Patricia Gonzalez, San Antonio, TX - 
         Comment | 10/18/04 | 
| 8018. Independent Bank Corporation, Ionia, MI, Charles Van Loan - 
         Comment | 10/18/04 | 
| 8019. Lisa E. Dubose - 
         Comment | 10/18/04 | 
| 8020. Darrin Somerville, Chicago, IL - 
         Comment | 10/18/04 | 
| 8021. Ellen Feighny, Arcata, CA  - 
         Comment | 10/18/04 | 
| 8022. Foundation Communities, Austin, TX - 
         Comment | 10/18/04 | 
| 8023. Access Capital Strategies, Cambridge, MA - 
         Comment | 10/18/04 | 
| 8024. Nikki Terry, Jacksonville, FL - 
         Comment | 10/18/04 | 
| 8025. Chesapeake Bank, Kilmarnock, VA, Jeffrey Szyperski - 
         Comment | 10/18/04 | 
| 8026. West Side Neighborhood Housing Services, Buffalo, NY - 
         Comment | 10/18/04 | 
| 8027. Floyd & Linda Hamilton - 
         Comment | 10/18/04 | 
| 8028. Mary McGee - 
         Comment | 10/19/04 | 
| 8029. Edgewater Development Corp., Chicago, IL, Adam Burck - 
         Comment | 10/19/04 | 
| 8030. Housing Opportunities Inc., Rochester, NY, Susan Ottenweller - 
         Comment | 10/19/04 | 
| 8031. Morris Fountain, Missouri City, TX - 
         Comment | 10/19/04 | 
| 8032. National Community Investment Fund, Chicago, IL, Lisa Richter - 
         Comment | 10/19/04 | 
| 8033. Tom Flynn, Annapolis, MD - 
         Comment | 10/19/04 | 
| 8034. Fay-Penn Economic Development Council, Uniontown, PA, Mike Krajovic - 
         Comment | 10/19/04 | 
| 8035. Cheryl Stephens - 
         Comment | 10/19/04 | 
| 8036. Carrollton Bank, Baltimore, MD, Loa Stokes - 
         Comment | 10/19/04 | 
| 8037. Judith Campbell, Houston, TX - 
         Comment | 10/19/04 | 
| 8038. Community Bankers Assoc of Illinois, Jerry Cavanaugh - 
         Comment | 10/19/04 | 
| 8039. Fulton Savings Bank, Fulton, NY, Kenneth Parrotte - 
         Comment | 10/19/04 | 
| 8040. Meg Ounsworth, Waltham, MA - 
         Comment | 10/19/04 | 
| 8041. Heather Obermeyer, Mishawaka, IN - 
         Comment | 10/19/04 | 
| 8042. Genesis Community Loan Fund, Newcastle, ME, Stephen White - 
         Comment | 10/19/04 | 
| 8043. Nicolet National Bank, Green Bay, WI, Thomas Jensen - 
         Comment | 10/19/04 | 
| 8044. Massachusetts Division of Banks, Boston, MA, Steven Antonakes - 
         Comment | 10/19/04 | 
| 8045. Larry Hawkins, Oklahoma City, OK - 
         Comment | 10/19/04 | 
| 8046. L. Paul Jaeger, Mosinee, WI - 
         Comment | 10/19/04 | 
| 8047. Calli Berg - 
         Comment | 10/19/04 | 
| 8048. Missouri State Treasurer, Nancy Farmer - 
         Comment | 10/19/04 | 
| 8049. Joann Hauger, Phoenix, AZ - 
         Comment | 10/19/04 | 
| 8050. Kate Rademacher, Chapel Hill, NC - 
         Comment | 10/19/04 | 
| 8051. Genia Hoffman, London, KY - 
         Comment | 10/19/04 | 
| 8052. First National Bank, Bemidji, MN, Marshall Froyd - 
         Comment | 10/19/04 | 
| 8053. M. LaRae Exline, Lisbon, OH - 
         Comment | 10/19/04 | 
| 8054. National Rural Housing Coalition, Washington, DC, Robert Rappoza - 
         Comment | 10/19/04 | 
| 8055. Jody Barber, Indianapolis, IN - 
         Comment | 10/19/04 | 
| 8056. City of Cincinnati CRA Committee, Mary Anne Berry - 
         Comment | 10/19/04 | 
| 8057. Jeanine Reynolds - 
         Comment | 10/19/04 | 
| 8058. Noemi Flores, Durham, NC - 
         Comment | 10/19/04 | 
| 8059. Peter Kay - 
         Comment | 10/19/04 | 
| 8060. Kathy Cowan, Memphis, TN - 
         Comment | 10/19/04 | 
| 8061. B. J. Cornelius, Boynton Beach, FL - 
         Comment | 10/19/04 | 
| 8062. Kevin Hanley, Pittsburgh, PA - 
         Comment | 10/19/04 | 
| 8063. Lucy Keller, Vienna, VA - 
         Comment | 10/19/04 | 
| 8064. Citizens Security Bank, Tifton, GA, Lawton Bassett - 
         Comment | 10/19/04 | 
| 8065. Passumpsic Savings Bank, St. Johnsbury, VT, David Gonyaw - 
         Comment | 10/19/04 | 
| 8066. Shawn Huntley, Longview, WA - 
         Comment | 10/19/04 | 
| 8067. Kathy Coon, Moorefield, WV - 
         Comment | 10/19/04 | 
| 8068. Jim Hagar, Salem, OR - 
         Comment | 10/19/04 | 
| 8069. Kimberly Bares, Chicago, IL - 
         Comment | 10/19/04 | 
| 8070. Larry Rothrock, Columbia, MD - 
         Comment | 10/19/04 | 
| 8071. Minneapolis Consortium of Community Developers, Jim Roth - 
         Comment | 10/19/04 | 
| 8072. James Bouldin, Albany, NY - 
         Comment | 10/19/04 | 
| 8073. Ross Ferraro, Mayor, Carol Stream, IL - 
         Comment | 10/19/04 | 
| 8074. City of Charlotte Economic Development Office, Richard Bargoil - 
         Comment | 10/19/04 | 
| 8075. Robert Baney - 
         Comment | 10/19/04 | 
| 8076. Keith Hughes, Mars, PA - 
         Comment | 10/19/04 | 
| 8077. Mary Montano, Phoenix, AZ - 
         Comment | 10/19/04 | 
| 8078. Roger Markovics, Albany, NY - 
         Comment | 10/19/04 | 
| 8079. United Security Bank, Fresno, CA, Rhodlee Braa - 
         Comment | 10/19/04 | 
| 8080. Matthew Murphy, Conway, AR - 
         Comment | 10/19/04 | 
| 8081. Jessica Ahrens, Longview, WA - 
         Comment | 10/19/04 | 
| 8082. National Assn of Home Builders, Washington, DC, David Crowe - 
         Comment | 10/19/04 | 
| 8083. Curt Davis, Johnstown, PA - 
         Comment | 10/19/04 | 
| 8084. Craig Potthast, Staunton, IL - 
         Comment | 10/19/04 | 
| 8085. Carol Smith - 
         Comment | 10/19/04 | 
| 8086. Edward Broitman - 
         Comment | 10/19/04 | 
| 8087. Jill Garland - 
         Comment | 10/19/04 | 
| 8088. Richard Siddall - 
         Comment | 10/19/04 | 
| 8089. Meggin Thwing Eastman - 
         Comment | 10/19/04 | 
| 8090. Charles Newman - 
         Comment | 10/19/04 | 
| 8091. Janice Peterson - 
         Comment | 10/19/04 | 
| 8092. Johanna Lusebrink - 
         Comment | 10/19/04 | 
| 8093. Fran Calgiano - 
         Comment | 10/19/04 | 
| 8094. Wesley Furgiuele - 
         Comment | 10/19/04 | 
| 8095. Jon Roketenetz - 
         Comment | 10/19/04 | 
| 8096. Erin Strumpf - 
         Comment | 10/19/04 | 
| 8097. David Cohn - 
         Comment | 10/19/04 | 
| 8098. Marie Brown - 
         Comment | 10/19/04 | 
| 8099. Jendra Jarnagin- 
         Comment | 10/19/04 | 
| 8100. Sharon Minsuk - 
         Comment | 10/19/04 | 
| 8101. Chris Maxwell-Gaines - 
         Comment | 10/19/04 | 
| 8102. Jennifer Long - 
         Comment | 10/19/04 | 
| 8103. Bruce Ayati - 
         Comment | 10/19/04 | 
| 8104. Clare Watsoni - 
         Comment | 10/19/04 | 
| 8105. Jill Bangser - 
         Comment | 10/19/04 | 
| 8106. Kate Rumely, Sanford, NC - 
         Comment | 10/19/04 | 
| 8107. Ohio CDC Assn., Columbus, OH, Mary Rogers - 
         Comment | 10/19/04 | 
| 8108. Lynne Cunningham, Chicago, IL - 
         Comment | 10/19/04 | 
| 8109. Central California Legal Services, Fresno, CA, Chris Schneider - 
         Comment | 10/19/04 | 
| 8110. Justin Skay - 
         Comment | 10/19/04 | 
| 8111. Steve Bradley - 
         Comment | 10/19/04 | 
| 8112. Rural Alaska Community Actiono Program, Anchorage, AK, Mitizi Barker - 
         Comment | 10/19/04 | 
| 8113. Veronica Castro, Chicago, IL - 
         Comment | 10/19/04 | 
| 8114. Sandy Sauer - 
         Comment | 10/19/04 | 
| 8115. Allan Fromm - 
         Comment | 10/19/04 | 
| 8116. Timothy, Lawton, OK - 
         Comment | 10/19/04 | 
| 8117. Jason Peeler, Columbus, OH - 
         Comment | 10/19/04 | 
| 8118. Bellingham Whatcom EDC, Bellingham, WA, Rob Porchert - 
         Comment | 10/19/04 | 
| 8119. Pawtucket Citizens Development Corp., Nancy Whit - 
         Comment | 10/19/04 | 
| 8120. Community Bank & Trust, Waco, TX, Thad Jennings - 
         Comment | 10/19/04 | 
| 8121. Self-Help Enterprises, Peter Carey - 
         Comment | 10/19/04 | 
| 8122. Kathleen Halloran, Mesa, AZ - 
         Comment | 10/19/04 | 
| 8123. Randall Shorr, Cleveland, OH - 
         Comment | 10/19/04 | 
| 8124. Unibank for Savings, Whitinsville, MA, Kenneth Redding - 
         Comment | 10/19/04 | 
| 8125. First Bank of Brunswich, Brunswick, GA, Mike Hodges - 
         Comment | 10/19/04 | 
| 8126. Sherri Gilchrist, Chattanooga, TN - 
         Comment | 10/19/04 | 
| 8127. Grow Idaho Falls, Kipp Hicks - 
         Comment | 10/19/04 | 
| 8128. Los Angeles Neighborhood Housing Services, John Brott - 
         Comment | 10/19/04 | 
| 8129. Georgia Bank & Trust Co., Augusta, GA, R. Daniel Blanton - 
         Comment | 10/19/04 | 
| 8130. J. Hanbridge - 
         Comment | 10/19/04 | 
| 8131. City of Elizabeth, NJ, Oscar Ocasio - 
         Comment | 10/19/04 | 
| 8132. Los Angeles Neighborhood Housing Services, Lori Gay - 
         Comment | 10/19/04 | 
| 8133. Cindy Hallman, Phoenix, AZ - 
         Comment | 10/19/04 | 
| 8134. Pam Van Orden - 
         Comment | 10/19/04 | 
| 8135. Sydney Axt -
         Comment | 10/19/04 | 
| 8136. Mike Foote - 
         Comment | 10/19/04 | 
| 8137. Philip Nancarrow - 
         Comment | 10/19/04 | 
| 8138. Steve Braker - 
         Comment | 10/19/04 | 
| 8139. John Norton - 
         Comment | 10/19/04 | 
| 8140. Kirk Lorie - 
         Comment | 10/19/04 | 
| 8141. Anne Freiermuth - 
         Comment | 10/19/04 | 
| 8142. Max Gricevich - 
         Comment | 10/19/04 | 
| 8143. Becky Berry - 
         Comment | 10/19/04 | 
| 8144. Stanley Short - 
         Comment | 10/19/04 | 
| 8145. Catha Loomis - 
         Comment | 10/19/04 | 
| 8146. Gary Evans - 
         Comment | 10/19/04 | 
| 8147. David Lerman - 
         Comment | 10/19/04 | 
| 8148. Amy Powers - 
         Comment | 10/19/04 | 
| 8149. David Stern - 
         Comment | 10/19/04 | 
| 8150. Karl Mazurak - 
         Comment | 10/19/04 | 
| 8151. Hunter College Graduate Dept of Urban Planning, New York, NY, 
     Beatrice Ammann - 
         Comment | 10/19/04 | 
| 8152. Bonnie Schlobohm - 
         Comment | 10/19/04 | 
| 8153. Kathleen Hill - 
         Comment | 10/19/04 | 
| 8154. Jeff Horne - 
         Comment | 10/19/04 | 
| 8155. Mike Taylor - 
         Comment | 10/19/04 | 
| 8156. Jackson Thacker - 
         Comment | 10/19/04 | 
| 8157. Gloria de Luna - 
         Comment | 10/19/04 | 
| 8158. Jason Bartell - 
         Comment | 10/19/04 | 
| 8159. Marylyn McDonald - 
         Comment | 10/19/04 | 
| 8160. Belinda Pate - 
         Comment | 10/19/04 | 
| 8161. Vanessa Agard-Jones - 
         Comment | 10/19/04 | 
| 8162. Harry Williams - 
         Comment | 10/19/04 | 
| 8163. Eve Adams - 
         Comment | 10/19/04 | 
| 8164. Jeffrey Dale, Northborough, MA - 
         Comment | 10/18/04 | 
| 8165. Cameron State Bank, Lake Charles, LA, Cassie Murillo - 
         Comment | 10/18/04 | 
| 8166. Jewish Community Action - 
         Comment | 10/18/04 | 
| 8167. Carol Caten, Beverly, MA - 
         Comment | 10/18/04 | 
| 8168. Dfordejr - 
         Comment | 10/18/04 | 
| 8169. Mark Leymaster, Silver Spring, MD - 
         Comment | 10/18/04 | 
| 8170. Ceceila Brich, Davenport, IA - 
         Comment | 10/18/04 | 
| 8171. Atoka Housing Authority, Atoka, OK - 
         Comment | 10/18/04 | 
| 8172. Dorothy Calvani - 
         Comment | 10/18/04 | 
| 8173. Thomas Kopp, New Prague, MN - 
         Comment | 10/18/04 | 
| 8174. Loring Young, Oakland, MD - 
         Comment | 10/18/04 | 
| 8175. Mark Worthley, Hinton, OK - 
         Comment | 10/18/04 | 
| 8176. Catholic Commission on Housing, St. Louis, MO - 
         Comment | 10/18/04 | 
| 8177. Stacey Church - 
         Comment | 10/18/04 | 
| 8178. LISC Baton Rouge, Baton Rouge, LA - 
         Comment | 10/18/04 | 
| 8179. Robert Hollman, Riverdale, IL - 
         Comment | 10/18/04 | 
| 8180. Vermont PIRG, Montpelier, VT - 
         Comment | 10/18/04 | 
| 8181. Jenni Miller-Francis, Covington, KY - 
         Comment | 10/18/04 | 
| 8182. Nancy C. Ulman, St. Louis, MO - 
         Comment | 10/18/04 | 
| 8183. Carol Saginaw - 
         Comment | 10/18/04 | 
| 8184. Tony Lewars, Cincinnati, OH - 
         Comment | 10/18/04 | 
| 8185. Kathleen Hebbeler, Cincinnati, OH - 
         Comment | 10/18/04 | 
| 8186. Lacasa of Goshen, Goshen, IN - 
         Comment | 10/18/04 | 
| 8187. Evelyn Rusciolelli, Ocala, FL - 
         Comment | 10/18/04 | 
| 8188. Brian Kelly, Philadelphia, PA - 
         Comment | 10/18/04 | 
| 8189. Iain Miller - 
         Comment | 10/18/04 | 
| 8190. Katy Heins, Cincinnati, OH - 
         Comment | 10/18/04 | 
| 8191. Kerry Bate - 
         Comment | 10/18/04 | 
| 8192. Phil Lowrey - 
         Comment | 10/18/04 | 
| 8193. George Reid, Peabody, MA - 
         Comment | 10/18/04 | 
| 8194. John Anton, Portland, ME - 
         Comment | 10/18/04 | 
| 8195. Vicki Ellis, Philadelphia, PA - 
         Comment | 10/18/04 | 
| 8196. Gail A. Raub, Phillipsburg, NJ - 
         Comment | 10/18/04 | 
| 8197. Steuben Churchpeople Against Poverty, Bath, NY - 
         Comment | 10/18/04 | 
| 8198. Genesis Community Loan Fund, Darariscotta, ME - 
         Comment | 10/18/04 | 
| 8199. Ruth Lindberg, Providence, RI - 
         Comment | 10/18/04 | 
| 8200. Linda Racine, Fitchburg, MA - 
         Comment | 10/18/04 | 
| 8201. Richard P. Weishaupt, Philadelphia, PA - 
         Comment | 10/18/04 | 
| 8202. Rachel Delavan, Rochester, NY - 
         Comment | 10/18/04 | 
| 8203. Steven Mainster, Florida City, FL - 
         Comment | 10/18/04 | 
| 8204. Joe Clarke, Philadelphia, PA - 
         Comment | 10/18/04 | 
| 8205. Jon N. - 
         Comment | 10/20/04 | 
| 8206. Robin Hubbard - 
         Comment | 10/20/04 | 
| 8207. LISC/Chicago, Chicago, IL - 
         Comment | 10/20/04 | 
| 8208. Lars Hubbard -
     
Comment | 10/20/04 | 
| 8209. Wayne Lammers -
     
Comment | 10/20/04 | 
| 8210. Carmen Steward -
     
Comment | 10/20/04 | 
| 8211. John Galloway -
     
Comment | 10/20/04 | 
| 8212. United Communities CDC, Philadelphia, PA -
     
Comment | 10/20/04 | 
| 8213. Maryilyn Feldhaus -
     
Comment | 10/20/04 | 
| 8214. Carol J. McCord -
     
Comment | 10/20/04 | 
| 8215. Independent Community Bankers of America -
     
Comment (PDF) | 10/20/04 | 
| 8216. Chesapeake Bank, Kilmarnock, VA, John O'Shaughessy -
     
Comment | 10/20/04 | 
| 8217. First Independent Bank of Nevada, Reno, NV, Mike Hix -
     
Comment | 10/20/04 | 
| 8218. Janet Dermody -
     
Comment | 10/20/04 | 
| 8219. North Carolina ACORN, Charlotte, NC -
     
Comment (PDF) | 10/20/04 | 
| 8220. Delaware ACORN, Wilmington, DE -
     
Comment (PDF) | 10/20/04 | 
| 8221. Georgia ACORN, Atlanta, GA -
     
Comment (PDF) | 10/20/04 | 
| 8222. Luree Schneider -
     
Comment | 10/20/04 | 
| 8223. Peter Hunt Meek, Lexington, MA -
     
Comment | 10/20/04 | 
| 8224. David Kralik -
     
Comment | 10/20/04 | 
| 8225. Martin Ariel-Emery -
     
Comment | 10/20/04 | 
| 8226. Tony Blair, Great Barrington, MA -
     
Comment | 10/20/04 | 
| 8227. Dina Buck -
     
Comment | 10/20/04 | 
| 8228. Ligia Trevino, Austin, TX -
     
Comment | 10/20/04 | 
| 8229. Bartlett Harvey -
     
Comment | 10/20/04 | 
| 8230. Vermont Affordable Housing Coalition, Burlington, VT -
     
Comment | 10/20/04 | 
| 8231. Anne DeMuth -
     
Comment | 10/20/04 | 
| 8232. Bill Wojcik -
     
Comment | 10/20/04 | 
| 8233. W.J. Amundse, Lansing, MI -
     
Comment | 10/20/04 | 
| 8234. Martin Renner -
     
Comment | 10/20/04 | 
| 8235. Housing Authority of the City of Santa Barabara -
     
Comment | 10/20/04 | 
| 8236. Hrkng7 -
     
Comment | 10/20/04 | 
| 8237. Lee Lindahl -
     
Comment | 10/20/04 | 
| 8238. Sandra Holt, Casselberry, FL -
     
Comment | 10/20/04 | 
| 8239. Timothy Clegg -
     
Comment | 10/20/04 | 
| 8240. Orlando (FL) Community Redevelopment Agency -
     
Comment | 10/20/04 | 
| 8241. Melanie Ayer -
     
Comment | 10/20/04 | 
| 8242. Alyssa300 -
     
Comment | 10/20/04 | 
| 8243. Kripa Sundar -
     
Comment | 10/20/04 | 
| 8244. Housing Vermont, Burlington, VT -
     
Comment | 10/20/04 | 
| 8245. Thomas J. Hyland, Mystic, CT -
     
Comment | 10/20/04 | 
| 8246. Barbara J. Colony -
     
Comment | 10/20/04 | 
| 8247. Jo A. Raff -
     
Comment | 10/20/04 | 
| 8248. Chalmers Hardenbergh, Yarmoth, ME -
     
Comment | 10/20/04 | 
| 8249. Maya Fischhoff -
     
Comment | 10/20/04 | 
| 8250. Michele Kane -
     
Comment | 10/20/04 | 
| 8251. Ruth Anne Norris, Mesa, AZ -
     
Comment | 10/20/04 | 
| 8252. Howard Caro-Lopez -
     
Comment | 10/20/04 | 
| 8253. Massachusetts Association of CDC, Boston, MA -
     
Comment | 10/20/04 | 
| 8254. Tedra Cheatham -
     
Comment | 10/20/04 | 
| 8255.   Laurie Rowell, Issaquah, WA -
     
Comment | 10/20/04 | 
| 8256.   James Scaramozza, Hartford, CT -
     
Comment | 10/20/04 | 
| 8257. William Threatt, Kansas City, MO - 
         Comment | 10/20/04 | 
| 8258. Philip Owens - 
         Comment | 10/20/04 | 
| 8259. Philadelphia Chinatown Development Corp., John Chin - 
         Comment | 10/20/04 | 
| 8260. R. Allen Hayes, Cedar Falls, IA - 
         Comment | 10/20/04 | 
| 8261. Jamboree Housing Corp., Irvine, CA, Laura Archuleta - 
         Comment | 10/20/04 | 
| 8262. Alison Yu - 
         Comment | 10/20/04 | 
| 8263. Housing Consortium of Everett and Snohomish County, Lynnwood, WA, 
     Susan Millan - 
         Comment | 10/20/04 | 
| 8264. David Knight - 
         Comment | 10/20/04 | 
| 8265. Housing Authority of the County of Salt Lake, Kerry Bate - 
         Comment | 10/20/04 | 
| 8266. First National Bank of South Georgia, Charles Owens - 
         Comment | 10/20/04 | 
| 8267. Statewide Housing Action Coalition, Tammie Grossman - 
         Comment | 10/20/04 | 
| 8268. Cannon Curran - 
         Comment | 10/20/04 | 
| 8269. City of San Jose, CA, Leslye Corsiglia - 
         Comment | 10/20/04 | 
| 8270. Susan Westervelt - 
         Comment | 10/20/04 | 
| 8271. Tom Albanese, Columbus, OH - 
         Comment | 10/20/04 | 
| 8272. Lawyers' Committee for Civil Rights Under Law, Washington, DC - 
         Comment (PDF) | 10/20/04 | 
| 8273. Jeff Keller - 
         Comment | 10/20/04 | 
| 8274. San Antonio Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8275. Fort Worth Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8276. Nicolas Mutch, Des Moines, IA - 
         Comment | 10/20/04 | 
| 8277. Gayle Simmons, Dorchester, MA - 
         Comment | 10/20/04 | 
| 8278. Rosemarie Lynch, South Boston, MA - 
         Comment | 10/20/04 | 
| 8279. Mechanics and Farmers Bank, Durham, NC, Valerie Quiett - 
         Comment | 10/20/04 | 
| 8280. Mike Hartley - 
         Comment | 10/20/04 | 
| 8281. Neighborhood Economic Development Advocacy Project, New York, NY, 
     Sarah Ludwig - 
         Comment | 10/20/04 | 
| 8282. Kathy Kiley, West Palm Beach, FL - 
         Comment | 10/20/04 | 
| 8283. City of Santa Maria, CA, Mayor Larry Lavagnino - 
         Comment | 10/20/04 | 
| 8284. Anthony Baize, Louisville, KY - 
         Comment | 10/20/04 | 
| 8285. South Central Assembly for Effective Governance, Middletown, PA, W. 
     Craig Zumbrun - 
         Comment | 10/20/04 | 
| 8286. Community of Friends, Los Angeles, CA, Dora Leong Gallo - 
         Comment | 10/20/04 | 
| 8287. CDC Assn of Greater Houston, TX, Faheem Hameed - 
         Comment | 10/20/04 | 
| 8288. National Puerto Rican Coalition, Manuel Mirabal - 
         Comment (PDF) | 10/20/04 | 
| 8289. Independent Bank West Michigan, Grand Rapids, MI, Russ Daniel - 
         Comment | 10/20/04 | 
| 8290. Maureen Novak, New Haven, CT - 
         Comment | 10/20/04 | 
| 8291. Deborah Grotfeldt - 
         Comment | 10/20/04 | 
| 8292. Irene Leech, Elliston, VA - 
         Comment | 10/20/04 | 
| 8293. Minnesota Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8294. Oregon Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8295. Jessalyn Nash - 
         Comment | 10/20/04 | 
| 8296. Fairness in Rural Lending, Hubert Van Tol - 
         Comment | 10/20/04 | 
| 8297. Independent Bank West Michigan, Grand Rapids, MI, Lisa Dienes - 
         Comment | 10/20/04 | 
| 8298. Nana Simone - 
         Comment | 10/20/04 | 
| 8299. Teresa - 
         Comment | 10/20/04 | 
| 8300. Marta Weiskopf - 
         Comment | 10/20/04 | 
| 8301. Sara Berger - 
         Comment | 10/20/04 | 
| 8302. Rural Community Assistance Corp., West Sacramento, CA, William French - 
         Comment (PDF) | 10/20/04 | 
| 8303. Mister Joe - 
         Comment | 10/20/04 | 
| 8304. Council of the City of New York, NY - 
         Comment | 10/20/04 | 
| 8305. Priscilla Maynard - 
         Comment | 10/20/04 | 
| 8306. Steve Johns, Cincinnati, OH - 
         Comment | 10/20/04 | 
| 8307. City of Orlando, Florida Housing Dept, Lelia Allen - 
         Comment | 10/20/04 | 
| 8308. US Jesuit Conference, British Robinson - 
         Comment | 10/20/04 | 
| 8309. St. Louis Acorn - 
         Comment  (PDF) | 10/20/04 | 
| 8310. Washington State Acorn - 
         Comment   (PDF) | 10/20/04 | 
| 8311. Phoenix Acorn - 
         Comment   (PDF) | 10/20/04 | 
| 8312. Troy, NY, Rehabilitation and Improvement Program, Patrick Madden - 
         Comment | 10/20/04 | 
| 8313. Daisy Canga Claro - 
         Comment | 10/20/04 | 
| 8314. West Oak Lane CCD, Philadelphia, PA, Donald Stafford - 
         Comment | 10/20/04 | 
| 8315. Carl Mas - 
         Comment | 10/20/04 | 
| 8316. Faith Jones, Centerville, UT - 
         Comment | 10/20/04 | 
| 8317. Rockefeller Philanthropy Advisors, New York, NY, Douglas Bauer - 
         Comment | 10/20/04 | 
| 8318. John Kleiderer, Washington, DC - 
         Comment | 10/20/04 | 
| 8319. ABC Bancorp, Moultrie, GA, Mike McDonald - 
         Comment | 10/20/04 | 
| 8320. Peter Wagner, Roanoke, VA - 
         Comment | 10/20/04 | 
| 8321. Nevada Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8322. San Diego Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8323. Los Angeles Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8324. Houston Acorn - 
         Comment (PDF) | 10/20/04 | 
| 8325. Philadelphia Citizens for Children & Youth, Kathleen Fisher - 
         Comment | 10/20/04 | 
| 8326. Teddyterri1617 - 
         Comment | 10/20/04 | 
| 8327. Community Builders - 
         Comment | 10/20/04 | 
| 8328. Kansas City ACORN - 
         Comment (PDF) | 10/20/04 | 
| 8329. New Mexico ACORN - 
         Comment (PDF) | 10/20/04 | 
| 8330. Colorado ACORN - 
         Comment (PDF) | 10/20/04 | 
| 8331. Carolyn Jones - 
         Comment | 10/20/04 | 
| 8332. Collen C. Wagner, Silver Spring, MD - 
         Comment | 10/20/04 | 
| 8333. Chris Rhomberg, New York, NY - 
         Comment | 10/20/04 | 
| 8334. Stanley D. Hayward, San Diego, CA - 
         Comment | 10/20/04 | 
| 8335. County Corporation, Dayton, OH - 
         Comment | 10/20/04 | 
| 8336. Bob Byer, Brooklyn, NY - 
         Comment | 10/20/04 | 
| 8337. Rose Ann Braniff, Mingo Junction, OH - 
         Comment | 10/20/04 | 
| 8338. Jack McCullough - 
         Comment | 10/20/04 | 
| 8339. Mick Patterson - 
         Comment | 10/20/04 | 
| 8340. Founders Trust Personal Bank, Grand Rapids, MI, Laurie Beard - 
         Comment | 10/20/04 | 
| 8341. Nebraska Appleseed, Lincoln, NE - 
         Comment (PDF) | 10/20/04 | 
| 8342. Local Initiatives Support Corporation, Washington, DC - 
         Comment | 10/20/04 | 
| 8343. Jennifer Pigeon - 
         Comment | 10/20/04 | 
| 8344. Aaron Shiffman, Brooklyn, NY - 
         Comment | 10/20/04 | 
| 8345. Brent Baeslack - 
         Comment | 10/20/04 | 
| 8346. American National Bank & Trust, Danville, VA, Charles Majors - 
         Comment | 10/20/04 | 
| 8347. Heather M. Renner - 
         Comment | 10/20/04 | 
| 8348. LC Withington - 
         Comment | 10/20/04 | 
| 8349. Maureen O'Connor - 
         Comment | 10/20/04 | 
| 8350. Capitol Region Council of Governments, Hartford, CT - 
         Comment | 10/20/04 | 
| 8351. Justin Dextradeur - 
         Comment | 10/20/04 | 
| 8352. First National Bank, Bemidji, MN - 
         Comment | 10/20/04 | 
| 8353. Cleveland ACORN - 
         Comment | 10/20/04 | 
| 8354. Lois Athey, Washington, DC - 
         Comment | 10/20/04 | 
| 8355. Yasmin Ponce de Leon, Hartford, CT - 
         Comment | 10/20/04 | 
| 8356. Romona Taylor Williams, Charleston, WV - 
         Comment | 10/20/04 | 
| 8357. Massachusetts Housing Investment Corporation, Boston, MA - 
         Comment | 10/20/04 | 
| 8358. Connecticut Bankers Association - 
         Comment | 10/20/04 | 
| 8359. Lorain County Reinvestment Coalition, Lorain, OH - 
         Comment | 10/20/04 | 
| 8360. Jennifer Griffith - 
         Comment | 10/20/04 | 
| 8361. Lehigh Valley Coalition on Affordable Housing - 
         Comment | 10/20/04 | 
| 8362. Jennifer Gilbert, Somerville, MA - 
         Comment | 10/20/04 | 
| 8363. Diane W. Bragg - 
         Comment | 10/20/04 | 
| 8364. California Association of Realtors - 
         Comment | 10/20/04 | 
| 8365. Mandy Oser - 
         Comment | 10/20/04 | 
| 8366. Avi Rosenfeld - 
         Comment | 10/20/04 | 
| 8367. Daryl Wright - 
         Comment | 10/20/04 | 
| 8368. Rachel Borgatti - 
         Comment | 10/20/04 | 
| 8369. Eric F. Swanfeldt, Uncasville, CT - 
         Comment | 10/20/04 | 
| 8370. Carman Freeman - 
         Comment | 10/20/04 | 
| 8371. Robin Wieder, East Rockaway, NY - 
         Comment | 10/20/04 | 
| 8372. Gregory Shiffer - 
         Comment | 10/20/04 | 
| 8373. National Association of Affordable Housing Lenders - 
         Comment | 10/20/04 | 
| 8374. Joby Thoyalil, Brooklyn, NY - 
         Comment | 10/20/04 | 
| 8375. David & Linda Young - 
         Comment | 10/20/04 | 
| 8376. Fifth Avenue Committee, South Brooklyn, NY - 
         Comment | 10/20/04 | 
| 8377. Audrey Bentz - 
         Comment | 10/20/04 | 
| 8378. Mary Jo Dutra, Santa ROsa, CA - 
         Comment | 10/20/04 | 
| 8379. Syracuse (NY) United Neighbors - 
         Comment | 10/20/04 | 
| 8380. National Community Investment Fund - 
         Comment | 10/20/04 | 
| 8381. Minnesota Chapter of the National Association of Housing & 
     Development -  
         Comment | 10/20/04 | 
| 8382. Milennia Housing Management, Limited - 
         Comment | 10/20/04 | 
| 8383. Michigan Housing Council - 
         Comment | 10/20/04 | 
| 8384. St. Mary Development Corporation - 
         Comment | 10/20/04 | 
| 8385. Deborah Larsen - 
         Comment | 10/20/04 | 
| 8386. Cynthia Witman Daley - 
         Comment | 10/20/04 | 
| 8387. Maureen Joyce, Albany, NY - 
         Comment | 10/20/04 | 
| 8388. Monica F. Steidele - 
         Comment | 10/20/04 | 
| 8389. Robert Brown, Bar Harbor, ME - 
         Comment | 10/20/04 | 
| 8390. Eunice Harps, Boston, MA - 
         Comment | 10/20/04 | 
| 8391. Family Self Sufficiency Fresno Program, Rita Guintero - 
         Comment | 10/20/04 | 
| 8392. Carolyn Anderson - 
         Comment | 10/20/04 | 
| 8393. Eugene Clerkin - 
         Comment | 10/20/04 | 
| 8394. Michael Patterson - 
         Comment | 10/20/04 | 
| 8395. Jamie Drakos, Portland, OR - 
         Comment | 10/20/04 | 
| 8396. Texas Low Income Housing Information Service, Austin, TX, John 
     Henneberger - 
         Comment | 10/20/04 | 
| 8397. Consumer Federation of America, Allen Fishbein - 
         Comment (pdf) | 10/20/04 | 
| 8398. Elizabeth Bevars - 
         Comment | 10/20/04 | 
| 8399. Independent Bank West Michigan, Grand Rapids, MI, David Reglin - 
         Comment | 10/20/04 | 
| 8400. Louisiana Acorn - 
         Comment (pdf) | 10/20/04 | 
| 8401. Illinois Acorn - 
         Comment  (pdf) | 10/20/04 | 
| 8402. Kentucky Acorn - 
         Comment  (pdf) | 10/20/04 | 
| 8403. Deborah Kutenplon - 
         Comment | 10/20/04 | 
| 8404. Jesse Foote - 
         Comment | 10/20/04 | 
| 8405. Beltway007 - 
         Comment | 10/20/04 | 
| 8406. John Cook - 
         Comment | 10/20/04 | 
| 8407. Ellen Connolly - 
         Comment | 10/20/04 | 
| 8408. Jennifer Glanville, Iowa City, IA - 
         Comment | 10/20/04 | 
| 8409. Rick Taylor, Columbus, OH - 
         Comment | 10/20/04 | 
| 8410. Mary Johnson - 
         Comment | 10/20/04 | 
| 8411. Vermont Housing Finance Agency, Sarah Carpenter - 
         Comment | 10/20/04 | 
| 8412. DE NAHRO, New Castle DE, Marguerite Ashley - 
         Comment | 10/20/04 | 
| 8413. Hilde Myall - 
         Comment | 10/20/04 | 
| 8414. Charles Blandy - 
         Comment | 10/20/04 | 
| 8415. Isabel Keating, New York, NY - 
         Comment | 10/20/04 | 
| 8416. Margaret Hammond and John Oakley - 
         Comment | 10/20/04 | 
| 8417. Joshu Harris - 
         Comment | 10/20/04 | 
| 8418. Ralph Alvarez - 
         Comment | 10/20/04 | 
| 8419. Leigh Valley Acorn - 
         Comment (pdf) | 10/20/04 | 
| 8420. Allegheny County Acorn - 
         Comment  (pdf) | 10/20/04 | 
| 8421. Philadelphia Acorn - 
         Comment  (pdf) | 10/20/04 | 
| 8422. Connecticut Acorn - 
         Comment  (pdf) | 10/20/04 | 
| 8423. District of Columbia Acorn - 
         Comment (pdf) | 10/20/04 | 
| 8424. R. Ryan Dupont - 
         Comment | 10/20/04 | 
| 8425. Jane Morosky - 
         Comment | 10/20/04 | 
| 8426. Ellen Campbell - 
         Comment | 10/20/04 | 
| 8427. Sarah Gill - 
         Comment | 10/20/04 | 
| 8428. Cedar City (UT) Housing Authority, Heidi Miller - 
         Comment | 10/20/04 | 
| 8429. Mon County Habitat for Humanity, Morgantown, WV, Chris Haddox - 
         Comment | 10/20/04 | 
| 8430. Barrie Spelling - 
         Comment | 10/20/04 | 
| 8431. Christopher Mann - 
         Comment | 10/20/04 | 
| 8432. John Cariddi - 
         Comment | 10/20/04 | 
| 8433. Massachusetts Housing Investment Corp., Boston, MA, Joe Flately - 
         Comment | 10/20/04 | 
| 8434. B J MacAllister - 
         Comment | 10/20/04 | 
| 8435. Twin Pines Housing Trust, White River Junction, VT - 
         Comment | 10/20/04 | 
| 8436. Terrence Amick - 
         Comment | 10/20/04 | 
| 8437. Rebecca Chalmers - 
         Comment | 10/20/04 | 
| 8438. Elyssa Kane, Ardmore, PA - 
         Comment | 10/20/04 | 
| 8439. Fair Housing Center of the Greater Palm Beaches, Lantana, FL, Vince 
     Larkins - 
         Comment | 10/20/04 | 
| 8440. Julie Ann Woods - 
         Comment | 10/20/04 | 
| 8441. Theodore Robb - 
         Comment | 10/20/04 | 
| 8442. Lawyers' Committee for Civil Rights Under Law, Boston, Nadine Cohen - 
         Comment | 10/20/04 | 
| 8443. John Elza - 
         Comment | 10/20/04 | 
| 8444. Gretchen Geller - 
         Comment | 10/20/04 | 
| 8445. Elizabeth Casey - 
         Comment | 10/20/04 | 
| 8446. Scott Species, Seattle, WA - 
         Comment | 10/20/04 | 
| 8447. Matilda Thompson - 
         Comment | 10/20/04 | 
| 8448. Betty Cordellos - 
         Comment | 10/20/04 | 
| 8449. Karen Tejada, Albany, NY - 
         Comment | 10/20/04 | 
| 8450. Adam Field - 
         Comment | 10/20/04 | 
| 8451. Paul Conklin - 
         Comment | 10/20/04 | 
| 8452. Katie O'Connell - 
         Comment | 10/20/04 | 
| 8453. Eric Talbert, Brooklyn, NY - 
         Comment | 10/20/04 | 
| 8454. Rachel Falkove, Philadelphia, PA - 
         Comment | 10/20/04 | 
| 8455. North Shore Bank, a Co-operative Bank, Peabody, MA, Louise Slattery - 
         Comment | 10/20/04 | 
| 8456. Catherine Logan - 
         Comment | 10/20/04 | 
| 8457. Nancy Rosenblum - 
         Comment | 10/20/04 | 
| 8458. Maria Zucker - 
         Comment | 10/20/04 | 
| 8459. Duone Brown - 
         Comment | 10/20/04 | 
| 8460. Boyle Heights Learning Collaborative, Maria Casillas - 
         Comment | 10/20/04 | 
| 8461. Ilana Schatz, Oakland, CA - 
         Comment | 10/20/04 | 
| 8462. Bill Lester - 
         Comment | 10/20/04 | 
| 8463. Janet Stone - 
         Comment | 10/20/04 | 
| 8464. Susan Carson - 
         Comment | 10/20/04 | 
| 8465. Sujata Sanghvi - 
         Comment | 10/20/04 | 
| 8466. Richard Dennis - 
         Comment | 10/20/04 | 
| 8467. Frank Rentko - 
         Comment | 10/20/04 | 
| 8468. Mary Amundson, Georgetown, TX - 
         Comment | 10/20/04 | 
| 8469. Jonah Blaustein - 
         Comment | 10/20/04 | 
| 8470. Lisha Adela Garcia - 
         Comment | 10/20/04 | 
| 8471. Crystal Cartwright - 
         Comment | 10/20/04 | 
| 8472. Lawrence Holbrook, Honolulu, HI - 
         Comment | 10/20/04 | 
| 8473. Jonathan Coopersmith - 
         Comment | 10/20/04 | 
| 8474. Federico Hewson, Los Angeles - 
         Comment | 10/20/04 | 
| 8475. Eric Beckman - 
         Comment | 10/20/04 | 
| 8476. Pete Garcia, Phoenix, AZ - 
         Comment | 10/20/04 | 
| 8477. Leslie Brown - 
         Comment | 10/20/04 | 
| 8478. Stephanie Ross, Westport, CT - 
         Comment | 10/20/04 | 
| 8479. Mary Haines, Napa, CA - 
         Comment | 10/20/04 | 
| 8480. Judith Gratz - 
         Comment | 10/20/04 | 
| 8481. Douglas Miller - 
         Comment | 10/20/04 | 
| 8482. Vicki Marvick - 
         Comment | 10/20/04 | 
| 8483. Brian Jones - 
         Comment | 10/20/04 | 
| 8484. Joshua Biddle - 
         Comment | 10/20/04 | 
| 8485. John Foster - 
         Comment | 10/20/04 | 
| 8486. Becky Dennison - 
         Comment | 10/20/04 | 
| 8487. Daniel Betancourt, Lancaster, PA - 
         Comment | 10/20/04 | 
| 8488. Rachelle Quimbyh - 
         Comment | 10/20/04 | 
| 8489. Christine Lynn Norton - 
         Comment | 10/20/04 | 
| 8490. George Hudes - 
         Comment | 10/20/04 | 
| 8491. Kathryn McKnight - 
         Comment | 10/20/04 | 
| 8492. Community South Bank, Parsons, TN, Penny Vise - 
         Comment | 10/20/04 | 
| 8493. Sheherezade Adams - 
         Comment | 10/20/04 | 
| 8494. Bruce Ryan, Pacific City, OR - 
         Comment | 10/20/04 | 
| 8495. Kay Pruett - 
         Comment | 10/20/04 | 
| 8496. Country Club Bank, Prairie City, KS, Paul Thompson - 
         Comment | 10/20/04 | 
| 8497. Washington Legal Foundation, Paul Kamenar - 
         Comment | 10/20/04 | 
| 8498. Blake Puckett 
         Comment | 10/20/04 | 
| 8499. Paul Turney, Bryan, TX - 
         Comment | 10/20/04 |