MORGAN STANLEY ABS CAPITAL I INC
305B2, EX-99.3, 2000-07-24
ASSET-BACKED SECURITIES
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Comptroller of the Currency
Administrator of National Banks

Washington, D.C.  20219

                         Certificate of Fiduciary Powers

I, John D. Hawke, Jr., Comptroller of the Currency, do hereby certify that:

1.  The Comptroller of the Currency, pursuant to Revised Statutes 324, et seq.,
as amended, 12 U.S.C. 1, et seq., as amended, has possession, custody and
control of all records pertaining to the chartering of all National Banking
Associations.

2.  "Bankers Trust Company of California, National Association," Los Angeles,
California, (Charter No. 18608), was granted, under the hand and seal of the
Comptroller, the right to act in all fiduciary capacities authorized under the
provisions of the Act of Congress approved September 28, 1962, 76 Stat. 668, 12
U.S.C. 92a, and that the authority so granted remains in full force and effect
on the date of this Certificate.


            IN TESTIMONY WHEREOF, I have hereunto subscribed my name and caused
            my seal of office to be affixed to these presents at the Treasury
            Department in the City of Washington and District of Columbia, this
            6th day of April 2000.

                                                /s/ John D. Hawke, Jr.
                                                Comptroller of the Currency





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