Exhibit 32

                    CERTIFICATION OF CEO AND CFO PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q of Consumers Funding LLC
(the "Company") for the quarterly period ended September 30, 2004 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), Laura
L. Mountcastle, as President, Chief Executive Officer, Chief Financial Officer
and Treasurer, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of
her knowledge:

      (1)   The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      (2)   The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

/s/ Laura L. Mountcastle
-------------------------------
Name: Laura L. Mountcastle
Title: President, Chief Executive
       Officer, Chief Financial
       Officer and Treasurer

Date: November 5, 2004

This certification accompanies the Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by the
Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.