LEGISLATIVE BUDGET BOARD
                          Austin, Texas

                           FISCAL NOTE
                       74th Regular Session

                          April 17, 1995



 TO:     Honorable Ken Armbrister, Chair        IN RE:  Senate Bill No.
         Committee on State Affairs             1032
         Senate                                         By: Harris, Chris
         Austin, Texas







FROM: John Keel, Director

In response to your request for a Fiscal Note on Senate Bill No.
1032 (relating to encumbrances that may be fixed on homestead
property and to the characterization of a homestead) this office
has determined the following:




No fiscal implication to the State or units of local government
is anticipated.


Source:   Savings and Loan Department, Department of Banking,
Office of the Consumer
                          Credit Commissioner
          LBB Staff: JK, VS, RR