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Exhibit 23
INDEPENDENT AUDITORS' CONSENT
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We consent to the incorporation by reference in Registration Statement Nos.
333-91065, 333-58607, 333-49967, 333-45613, 333-42817, 333-20739, 33-63629,
33-63221, 33-60448, 33-39762, 33-36708, 33-31685, 33-21068, 33-05616 and Post-
Effective Amendment No. 1 to Registration Statement Nos. 33-01333 and 33-10396
of Commercial Federal Corporation on Form S-8 of our report dated August 15,
2000, (which report expresses an unqualified opinion and includes an explanatory
paragraph relating to a change in method of accounting for start-up activities
and organizational costs) appearing in the Annual Report on Form 10-K of
Commercial Federal Corporation for the year ended June 30, 2000.
/s/ Deloitte & Touche LLP
Omaha, Nebraska
September 25, 2000
