ACC CONSUMER FINANCE CORP
3, 1996-05-16
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
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                                      FORM 3
                      U.S. SECURITIES AND EXCHANGE COMMISSION
                              Washington, D.C. 20549

              INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES


            Filed pursuant to Section 16(a) of the Securities Exchange
         Act of 1934, Section 17(a) of the Public Utility Holding Company
        Act of 1935 or Section 30(f) of the Investment Company Act of 1940


  1.   Name and Address of Reporting Person

          Beckerman                Brett                       L.
       --------------------------------------------------------------------
            (Last)                   (First)                  (Middle)

           12750 High Bluff Drive, Suite 320
       --------------------------------------------------------------------
                                  (Street)

         San Diego                  California                   92130
       --------------------------------------------------------------------
            (City)                   (State)                       (Zip)

  2.   Date of Event Requiring 
       Statement (Month/Day/Year)            5/16/96
                                          ---------------------------------

  3.   IRS or Social Security Number of
       Reporting Person (Voluntary)
                                          ---------------------------------

  4.   Issuer Name and Ticker or Trading Symbol

           ACC Consumer Finance Corporation (ACCI)
       --------------------------------------------------------------------

  5.   Relationship of Reporting Person to Issuer (Check all applicable)

       ..... Director                         ..... 10% Owner

       ..X.. Officer (give title below)       ..... Other (specify below)

                        Vice President
                 ---------------------------------------------


  6.   If Amendment, Date of Original (Month/Day/Year)
                                                       
                                                       --------------------





                                        -1-                        <PAGE>


  FORM 3 (continued)


  <TABLE>

  <CAPTION>

                          Table I -- Non-Derivative Securities Beneficially Owned
  -------------------------------------------------------------------------------------------------------

  1. Title of Security (Instr. 4)     2. Amount of        3. Ownership      4. Nature of Indirect Bene-
                                      Securities Bene-    Form: Direct (D)  ficial Ownership (Instr. 5)
                                      ficially Owned      or Indirect (I)
                                      (Instr. 4)          (Instr. 5)
  -------------------------------------------------------------------------------------------------------

  <S>                                 <C>                 <C>               <C>







  </TABLE>

















                                        -2-                        <PAGE>








  FORM 3 (continued)<TABLE>
  <CAPTION>
                            Table II -- Derivative Securities Beneficially Owned
                       (e.g., puts, calls, warrants, options, convertible securities
  -------------------------------------------------------------------------------------------------------
                                                                                      5. Owner-
                             2. Date             3. Title and Amount of    4. Con-    ship Form
                             Exercisable and     Securities Underlying     version    of Deriv-
                             Expiration Date     Derivative Security       or Exer-   ative       6. Nature
                             (Month/Day/Year)    (Instr. 4)                cise       Security:   of Indi-
                             ----------------    ----------------------    Price of   Direct (D)  rect Bene-
                             Date     Expira-                 Amount or    Deriva-    or Indi-    ficial
  1. Title of Derivative     Exer-    tion                    Number of    tive       rect (I)    Ownership
  Security (Instr. 4)        cisable  Date       Title        Shares       Security   (Instr. 5)  (Inst. 5)
  -------------------------------------------------------------------------------------------------------
  <S>                        <C>       <C>       <C>          <C>          <C>        <C>         <C>

  Employee Stock Option      *         11/15/05  Common Stock  15,000      **           D
  (Right to Buy)




  Explanation of Responses:

  *    Option to buy shares of Common Stock under the Issuer's 1995 Stock Option Plan, exercisable in
       annual increments of 25% each, beginning on November 15, 1996, the first anniversary date of the
       grant.
  **   Exercise price will equal the price at which the Company sells its common stock to the
       underwriters in its initial public offering.

  ** Intentional misstatements or omissions of facts        /s/  Brett L. Beckerman               1/25/96
     constitute Federal Criminal Violations.                -----------------------------------  --------
   See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).                  ** Signature of Reporting Person     Date

  Note:  File three copies of this Form, one of which must be manually signed.  If space provided is
  insufficient, See Instruction 6 for procedure.
  </TABLE>





                                        -3-                        <PAGE>










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