EXHIBIT 14

                          HOUSEHOLD INTERNATIONAL, INC.

                  CODE OF ETHICS FOR SENIOR FINANCIAL OFFICERS

PURPOSES

         Household International, Inc. ("Household" and, together with its
subsidiaries, the "Company") expects all of its employees to maintain the
highest standards of ethical behavior and professional conduct in connection
with all of the Company's activities. To that end, the Company has adopted a
Statement of Business Principles that is applicable to all employees. The Chief
Executive Officer, Chief Operating Officer, Chief Financial Officer, Chief
Accounting Officer and Controller of Household, the Chief Executive Officer,
Chief Financial Officer, Chief Accounting Officer and Controller of Household
Finance Corporation ("HFC") and the chief financial officer and controller of
each Company business unit (collectively, the "Senior Financial Officers") are
expected to comply with the Statement of Business Principles, including the
provisions thereof relating to honest and ethical conduct, conflicts of interest
and compliance with law. In addition to the Statement of Business Principles,
the Senior Financial Officers are subject to the additional policies set forth
in this Code of Ethics of Senior Financial Officers (this "Code of Ethics"),
which is intended to supplement the Statement of Business Principles.

         This Code of Ethics provides fundamental principles to which the Senior
Financial Officers are expected to adhere. These principles are designed to
deter wrongdoing and to promote:

         -        Honest and ethical conduct, including the ethical handling of
                  actual or apparent conflicts of interest between personal and
                  professional relationships;

         -        Full, fair, accurate, timely and understandable disclosure in
                  reports and documents that the Company files with, or submits
                  to, the Securities and Exchange Commission (the "SEC") and in
                  other public communications made by the Company;

         -        Compliance with applicable governmental laws, rules and
                  regulations;

         -        The prompt internal reporting to an appropriate person or
                  persons identified in this Code of Ethics of violations of
                  this Code of Ethics; and

         -        Accountability for adherence to this Code of Ethics.

FINANCIAL REPORTING AND DISCLOSURE

         It is the responsibility of each Senior Financial Officer to promote
full, fair, accurate, timely and understandable disclosure in the reports and
documents the Company files with or submits to the SEC. The Company strives to
provide disclosure to the investment community that not only conforms with
applicable rules of the SEC, but that also fairly presents to investors the
financial condition and results of operations of the Company.

         Because of their essential role in corporate governance, each Senior
Financial Officer must seek to promote ethical behavior by other Company
officers and employees involved in financial reporting. It is the responsibility
of each Senior Financial Officer, therefore, to report any untrue statement of a
material fact and any omission of a material fact of which such Senior Financial
Officer becomes aware that affect the disclosures made by the Company in its
public filings.

INTERNAL AND DISCLOSURE CONTROLS

         It is the responsibility of each Senior Financial Officer to report any
information of which such Senior Financial Officer becomes aware concerning (a)
significant deficiencies in the design or operation of the Company's disclosure
and internal controls that could adversely affect the ability of employees of
the Company to record, process, summarize and report financial data or (b) any
fraud, whether or not

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                                                                      EXHIBIT 14

material, that involves any employee who has a significant role in the Company's
disclosure and internal controls.

COMPLIANCE WITH LAW

         It is the responsibility of each Senior Financial Officer to report any
information of which such Senior Financial Officer becomes aware concerning
evidence of a material violation by the Company or any employee or agent of the
Company of securities or other laws, rules or regulations applicable to the
Company and the operation of its businesses.

REPORTING VIOLATIONS

         The Chief Executive Officer, Chief Operating Officer, Chief Financial
Officer, Chief Accounting Officer and Controller of Household and the Chief
Executive Officer, Chief Financial Officer, Chief Accounting Officer and
Controller of HFC must report any information of which such Senior Financial
Officer becomes aware concerning a violation of this Code of Ethics promptly to
the Internal Audit Department, the General Counsel of Household or the Audit
Committee of the Board of Directors. All other Senior Financial Officers must
report any information of which such Senior Financial Officer becomes aware
concerning a violation of this Code of Ethics promptly to (a) such Senior
Financial Officer's immediate supervisor and the Internal Audit Department, (b)
the General Counsel of Household or (c) the Audit Committee of the Board of
Directors. Each Senior Financial Officer may report violations directly to the
Audit Committee of the Board of Directors, and must do so if such Senior
Financial Officer has reason to believe that (i) such Senior Financial Officer's
immediate supervisor or the Internal Audit Department is involved with the
matter or (ii) the matter has not been appropriately addressed in a timely
manner.

CONSEQUENCES OF VIOLATIONS

         The Audit Committee of the Board of Directors will determine, or
designate appropriate persons to determine, appropriate actions to be taken in
the event of violations of this Code of Ethics, which actions will be designed
to deter wrongdoing and promote accountability for adherence to this Code of
Ethics. Accordingly, any violation of this Code of Ethics may result in
disciplinary action up to and including, but not limited to, the following:

         -        Suspension or termination of employment;

         -        Pursuit of any and all remedies available to the Company for
                  any damages or harm resulting to the Company from a violation,
                  including injunctive relief; and

-        Referral of matters to appropriate legal or regulatory authorities for
         investigation and prosecution.

REQUESTS FOR WAIVERS AND CHANGES IN CODE OF ETHICS

         Waivers of this Code of Ethics may only be granted by the Audit
Committee of the Board of Directors of the Company. The Audit Committee will not
grant waivers except under extraordinary circumstances. Any waivers that are
granted must be publicly disclosed on a timely basis. In addition, any changes
to this Code of Ethics must be publicly disclosed on a timely basis.

QUARTERLY CERTIFICATIONS

         Each Senior Financial Officer will be required to certify quarterly and
in writing such Senior Financial Officer's compliance with this Code of Ethics
during the preceding calendar quarter.

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