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                     [DELOITTE & TOUCHE, LLP LETTERHEAD]

                                                                  Exhibit 23(b)


INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Registration Statement of
Norwest Financial, Inc. on Form S-3 of our report dated January 13, 1995,
appearing in the Annual Report on Form 10-K of Norwest Financial, Inc. for the
year ended December 31, 1994 and to reference to us under the heading "Experts"
in the Prospectus, which is part of this Registration Statement.


/s/ Deloitte & Touche, LLP




September 14, 1995