EXHIBIT 23.1


INDEPENDENT AUDITORS' CONSENT



We consent to the  incorporation  by  reference  in the  following  Registration
Statements of The Charles  Schwab  Corporation of our reports dated February 16,
2000,  appearing in and  incorporated by reference in this Annual Report on Form
10-K of The Charles Schwab Corporation for the year ended December 31, 1999. Our
report on the consolidated financial statements expresses an unqualified opinion
and includes an explanatory paragraph related to an accounting change to conform
with Statement of Position 98-1.

Filed on Form S-3:

  Registration Statement No. 333-77381      (Debt Securities)

  Registration Statement No. 333-47107      (The Charles Schwab Corporation
                                             Employee Stock Incentive Plan)

Filed on Form S-8:

  Registration Statement No. 333-44793      (Charles Schwab Profit Sharing and
                                             Employee  Stock Ownership Plan)

  Registration Statement No. 333-48335      (The Charles Schwab Corporation
                                             Employee Stock Incentive Plan)

  Registration Statement No. 333-93125      (The Charles Schwab Corporation
                                             Employee Stock Incentive Plan)

  Registration Statement No. 333-32058      (The Charles Schwab Corporation
                                             Employee Stock Incentive Plan)


/s/DELOITTE & TOUCHE LLP
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San Francisco, California
March 28, 2000