Independent Auditors' Consent


The Board of Directors
Option One Mortgage Corporation:


We consent to the incorporation by reference in the registration statement on
Form S-3 of Block Financial Corporation and H&R Block, Inc. dated August 14, 
1997 of our report dated February 18, 1997, with respect to the balance sheets
of Option One Mortgage Corporation as of December 31, 1996 and 1995 and the
statements of earnigs, stockholder's equity and cash flows for the year ended
December 31, 1996 and for the period March 3, 1995 to December 31, 1995
(Successor period) and from January 1, 1995 to March 2, 1995 (Predecessor
period), which report appears in the Form 8-K/A of H&R Block, Inc. dated August
14, 1997 and to the reference to our firm under the heading "Experts" in the
Prospectus.

Our report dated February 18, 1997 contains an explanatory paragraph that states
that effective March 3, 1995, Fleet National Bank, Rhode Island acquired all of
the outstanding stock of Option One Mortgage Corporation in a business
combination accounted for as a purchase. As a result of the acquisition, the
financial information for the periods after the acquisition is presented on a
different cost basis than that for the periods before the acquisition and,
therefore, is not comparable. Effective September 27, 1995, Fleet National Bank,
Rhode Island transferred its investment in the Company to one of its wholly
owned subsidiaries, Fleet Holding Corporation.


                                       /S/ KPMG PEAT MARWICK LLP



Orange County, California
August 14, 1997