VETO MESSAGE ON HB 2944

                        April 2, 1992

To the Honorable, the House

  of Representatives of the

  State of Washington

Ladies and Gentlemen:

      I am returning herewith, without my approval as to section 3, House Bill No. 2944 entitled:

"AN ACT Relating to consumer credit transactions."

      Section 3 of House Bill No. 2944 establishes a legislative joint select committee to study and make recommendations on the issue of consumer credit.  I wholeheartedly concur with the need for such a study.  However, the creation of such a committee does not require legislation.  Rule 25 of the Joint Rules of the Senate and House of Representatives provides that such committee be created via concurrent resolution.  Rule 24 gives broad discretionary authority to standing committees to undertake such studies.

      For this reason, I have vetoed section 3 of House Bill No. 2944.

      With the exception of section 3, House Bill No. 2944 is approved.

                        Respectfully submitted,

                        Booth Gardner

                        Governor