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<PAGE> EXHIBIT 23.1 CONSENT OF INDEPENDENT AUDITORS The Board of Directors The St. Paul Companies, Inc.: We consent to the use of our reports incorporated herein by reference in the Registration Statement (No. 333-44122) on Form S-3 of the St. Paul Companies, Inc. and to the reference to our firm under the heading "Experts" in the prospectus. /s/ KPMG LLP Minneapolis, Minnesota August 29, 2000
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