Exhibit 23.2



                         Consent of Independent Auditors

We consent to the incorporation by reference in the Registration Statement (Form
S-8 to be filed on or about  November 14, 1996)  pertaining to the 1995 Employee
Stock Option Plan for RAC Financial Group,  Inc., the 1995 Nonemployee  Director
Stock  Option  Plan for RAC  Financial  Group,  Inc.,  the 1995  Employee  Stock
Purchase Plan for RAC Financial Group,  Inc., the Stock Option Agreement for Dan
Marino,  the Stock Option  Agreement for Charles T. Owens,  and the Stock Option
Agreement for Ralph Stringer, our report dated October 16, 1995, except for Note
17, as to which the date is November 30, 1995 with  respect to the  consolidated
financial  statements  for the year ended  September  30,  1995  included in the
Registration  Statement (Form S-1 No.  33-96688),  filed with the Securities and
Exchange Commission.


                                                       /s/ Ernst & Young LLP
                                                       ---------------------
Dallas, Texas
November 12, 1996


CORPDAL:57928.1  28835-00003