| From: Janice Griffin [mailto:jgriffin@mandelweisman.com] Sent: Thursday, September 16, 2004 2:59 PM
 To: Comments
 Subject: Community Reinvestment -- RIN 3064-AC50
 
 
 I am an attorney, practicing in the transactional field, and also am 
        involved in community redevelopment efforts in my hometown of Pompano 
        Beach, Florida. I have been fortunate in my practice to have witnessed 
        the positive benefits of the CRA.  I am opposed to raising the threshold for limited vs. full CRA exams 
        for banks. This would reduce the effectiveness of the current oversight, 
        and thereby hamper the effectiveness of the CRA by reducing lending, 
        investment and financial services in low-income communities.  Please maintain the current threshold regarding full exams, to ensure 
        the effectiveness of the CRA.  Thank you.  Janice L. Griffin, Esq. Mandel, Weisman, Heimberg, Brodie & Griffin, P.A.
 Tel: 561.989.0300 Ext. 232
 Fax: 561.989.0304
 
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