LEGISLATIVE BUDGET BOARD
                              Austin, Texas
                                     
                    FISCAL NOTE, 76th Regular Session
  
                              April 13, 1999
  
  
          TO:  Honorable Kip Averitt, Chair, House Committee on
               Financial Institutions
  
        FROM:  John Keel, Director, Legislative Budget Board
  
       IN RE:  HB3515  by Marchant (relating to the nature of certain
               contracts included in the cash price of motor vehicles
               sold at retail), Committee Report 1st House, Substituted
  
**************************************************************************
*  No significant fiscal implication to the State is anticipated.        *
**************************************************************************
  
Local Government Impact
  
No fiscal implication to units of local government is anticipated.
  
  
Source Agencies:   449   Finance Commission of Texas, 451   Department
                   of Banking, 466   Consumer Credit Commission, 450
                   Savings and Loan Department
LBB Staff:         JK, TH