LEGISLATIVE BUDGET BOARD
                              Austin, Texas
                                     
                    FISCAL NOTE, 77th Regular Session
  
                              March 31, 2001
  
  
          TO:  Honorable Kip Averitt, Chair, House Committee on
               Financial Institutions
  
        FROM:  John Keel, Director, Legislative Budget Board
  
       IN RE:  HB3238  by Olivo (Relating to false, misleading, or
               deceptive statements or representations in connection
               with a home loan.), 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:   450   Texas Savings and Loan Department, 449
                   Finance Commission of Texas, 466   Office of Consumer
                   Credit Commissioner
LBB Staff:         JK, JO, DE