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| FDIC Federal Register Citations   West
	          Side Neighborhood Housing Services As the Executive Director of West Side Neighborhood Housing Services,
        Inc, a not for profit housing agency, I am very concerned and strongly
        opposed to your proposal to significantly weaken the Community Reinvestment
        Act (CRA). We are seeing a positive change in our neighborhoods as a
        direct result of working with banks following the guidlelines of the
        CRA. In conclusion, all of your proposals will result in fewer loans
        and investments in low to moderate income communities. Please withdraw
        your harmful proposal. 
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| Last Updated 11/10/2004 | regs@fdic.gov | |
