LEGISLATIVE BUDGET BOARD
                              Austin, Texas
                                     
                    FISCAL NOTE, 76th Regular Session
  
                              April 15, 1999
  
  
          TO:  Honorable Kip Averitt, Chair, House Committee on
               Financial Institutions
  
        FROM:  John Keel, Director, Legislative Budget Board
  
       IN RE:  HB3714  by Shields (Relating to collateral protection
               insurance for lenders.), As Introduced
  
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*  No fiscal implication to the State is anticipated.                    *
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Local Government Impact
  
No fiscal implication to units of local government is anticipated.
  
  
Source Agencies:   449   Finance Commission of Texas, 466   Consumer
                   Credit Commission, 454   Department of Insurance
LBB Staff:         JK, TH, DP