1
                       [LETTERHEAD OF DELOITTE & TOUCHE]


                                                                    EXHIBIT 23.1


INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this Amendment No. 2 to
Registration Statement No. 333-30886 of The Charles Schwab Corporation on Form
S-4 of our reports dated February 16, 2000, appearing in and incorporated by
reference in the Annual Report on Form 10-K of The Charles Schwab Corporation
for the year ended December 31, 1999, and to the reference to us under the
heading "Experts" in the Proxy Statement/Prospectus, which is part of this
Registration Statement. 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.



/s/ DELOITTE & TOUCHE LLP
- -----------------------------
San Francisco, California
April 19, 2000