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EXHIBIT 23
CONSENT OF INDEPENDENT AUDITORS
The Board of Directors of TCF Financial Corporation and The Plan
Sponsor and Plan Administrator of the
TCF Employees Stock Purchase Plan:
We consent to incorporation by reference in the registration statement (No.
33-43030) on Form S-8 of TCF Financial Corporation of our report dated June 23,
2000, relating to the statements of net assets available for plan benefits of
the TCF Employees Stock Purchase Plan as of December 31, 1999 and 1998, and the
related statements of changes in net assets available for plan benefits for each
of the years in the three-year period ended December 31, 1999, and related
schedules as of and for the year ended December 31, 1999, which report appears
elsewhere in this December 31, 1999 annual report on Form 11-K of the TCF
Employees Stock Purchase Plan.
/s/ KPMG LLP
Minneapolis, Minnesota
June 28, 2000
