Registration No. 333-120496 Rule 424(b)(3)
Pricing Supplement			Pricing Supplement Number 28(b) Dated Monday, August 8, 2005
CUSIP Number	Principal Amount		Gross Concession	Net Proceeds	Coupon Type	Coupon Rate	Coupon Frequency	Day Count Basis
40429XEH5	$5,200,000.00		0.625%	$5,167,500.00	Fixed	4.500%	Semi-Annual	30/360
Maturity Date	1st Coupon Date		1st Coupon Amount	Survivors Option	Product Ranking	Moody's Ranking	S & P Rating
08/15/2008	02/15/2006		$23.00	Yes	Senior Unsecured Notes	A1	A
Redemption Information: Non-Callable Joint Lead Managers and Lead Agents: Banc of America Securities LLC, HSBC Securities (USA) Inc. and Incapital LLC. Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co., Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, a division of National Financial Services, LLC, Merrill Lynch & Co., Morgan Stanley, RBC Dain Rauscher Inc., UBS Financial Services Inc. and Wachovia Securities.
If the maturity date or an interest payment date for any note is not a Business Day (as term is defined in Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.
HSBC Finance Corporation 2700 Sanders Road Prospect Heights, IL 60070		Trade Date: Monday, August 8, 2005 @ 12:00 PM ET Settlement Date: Thursday, August 11, 2005 Minimum Denomination/Increments: $1,000.00/$1,000.00 Initial Trades Settle Flat and clear SDFS: DTC Book Entry Only DTCNumber: 0116 via Refco Securities, LLC InterNotes® is a registered trademark of Incapital Holdings LLC All rights reserved.					HSBC Finance Corporation $5,000,000,000 HSBC Finance InterNotes Prospectus Dated 17-Dec-04 Page 1 of 1