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                                                                    EXHIBIT 23.1

                          INDEPENDENT AUDITORS' CONSENT

     We consent to the incorporation by reference in this Registration Statement
of The Charles Schwab Corporation on Form S-4 of our report dated February 16,
2000 (which report expresses an unqualified opinion and includes an explanatory
paragraph related to an accounting change to conform with Statement of Position
98-1), appearing in the Current Report on Form 8-K of The Charles Schwab
Corporation dated February 22, 2000 and to the reference to us under the heading
"Experts" in the Proxy Statement/Prospectus, which is part of this Registration
Statement.

/s/ DELOITTE & TOUCHE LLP
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DELOITTE & TOUCHE LLP

San Francisco, California
February 22, 2000