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PRICING SUPPLEMENT NO. 20 DATED Filed Pursuant to
JANUARY 11, 2001 TO PROSPECTUS DATED Rule 424(b)(5)
NOVEMBER 9, 2000, AS AMENDED BY PROSPECTUSFile No. 333-47464
SUPPLEMENT DATED DECEMBER 15, 2000
CMS ENERGY CORPORATION
General Term Notes (servicemark of J.W. Korth & Company), Series F
Due 9 Months to 25 Years from date of issue
Except as set forth herein, the Notes offered hereby have such
terms as are described in the accompanying Prospectus dated November 9,
2000, as amended by the Additional Agent Prospectus Supplements dated
December 15, 2000.
Aggregate Principal Amount: $583,000.00
Original Issue Date (Settlement Date): January 17, 2001
Stated Maturity Date: January 15, 2004
Issue Price to Public: 100.00% of Principal Amount
Interest Rate: 7.000% Per Annum
Interest Payment Dates: February 15 and Monthly Thereafter
Commencing February 15, 2001
Survivor's Option: [ X ] Yes [ ] No
Optional Redemption: [ ] Yes [ X ] No
Principal Amount of Notes
Agent Solicited by Each Agent
First of Michigan Corporation $ 70,000.00
Prudential Securities Incorporated $126,000.00
J.J.B. Hilliard, W.L. Lyons, Inc $120,000.00
Raymond James & Associates, Inc $155,000.00
J.W. Korth & Company $112,000.00
Total $583,000.00
Per Note Sold by
Agents To Public Total
Issue Price: $ 1,000.00 $583,000.00
Agent's Discount or Commission: $ 5.00 $ 2,915.00
Maximum Dealer's Discount or
Selling Concession: $ 11.00 $ 6,413.00
Proceeds to the Company: $ 984.00 $573,672.00
CUSIP Number: 12589Q6E1
