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| FDIC Federal Register Citations From: Margaret Lageschulte [mailto:malagesc@osbnbtc.org]  As the gap between income levels continues to widen, the proposed change 
    to the CRA exam level will greatly harm low to moderate income communities. 
    Communities need MORE private sector partners not fewer. The proposed change 
    would particulary effect rural areas and would leave some states with no CRA 
    covered institutions. Please do not raise the exam limit thereby removing 
    this important community function from many banks. 
 
 
 
 
 
 
 
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| Last Updated 11/16/2004 | regs@fdic.gov | |
