FDIC Federal Register Citations

HABITAT FOR HUMANITY

September 13, 2004

Mr. Robert E. Feldman
Executive Secretary
Attention: Comments/Legal ISS
Federal Deposit Insurance Corporation
550 17th St. NW
Washington, DC 20429-9990

RE: RIN 3064-AC50

Dear Mr. Feldman,

As a volunteer and staff member for Habitat for Humanity, I have seen the Community Reinvestment severely decline in importance for the last several years. I have seen banks disenfranchise the poor by raising fees and cutting services that low-income people use. For instance one Florida bank I know raised its money order fee from 60 cents to 5 dollars. When I asked why they said to clear up their lobby. In other words they didn't want working or poor people in their nice lobby.

I strongly oppose the proposed rule changes to the CRA regulations. Those changes will have a negative impact on rural America and lead to the ever increasing gap between rich and poor.

Sincerely,

Jill Olen
Affiliate Support, SE Region HFHI
106 SW Peacock Blvd.
Port St. Lucie, FL 34986