<PAGE>

                                                                    EXHIBIT 31.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
           PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Donald J. Hommel, Chief Financial Officer of Consumers Financial Corporation,
certify that:

       1.    I have  reviewed  this  quarterly  report on Form 10-Q of Consumers
             Financial Corporation;

       2.    Based on my  knowledge,  this  report  does not  contain any untrue
             statement  of a  material  fact or omit to  state a  material  fact
             necessary   to  make  the   statements   made,   in  light  of  the
             circumstances under which such statements were made, not misleading
             with respect to the period covered by this report;

       3.    Based  on  my  knowledge,  the  financial  statements,   and  other
             financial  information  included in this report,  fairly present in
             all  material   respects  the  financial   condition,   results  of
             operations  and cash flows of the  registrant  as of, and for,  the
             periods presented in this report;

       4.    The registrant's  other  certifying  officers and I are responsible
             for establishing and maintaining disclosure controls and procedures
             (as defined in Exchange Act Rules  13a-15(e) and 15d-15(e)) for the
             registrant and have:

             a)   designed such disclosure  controls and  procedures,  or caused
                  such  disclosure  controls and procedures to be designed under
                  our supervision,  to ensure that material information relating
                  to the registrant, including its consolidated subsidiaries, is
                  made known to us by others,  particularly during the period in
                  which this report is being prepared;

             b)   evaluated the  effectiveness  of the  registrant's  disclosure
                  controls  and  procedures  and  presented  in this  report our
                  conclusions about the effectiveness of the disclosure controls
                  and  procedures,  as of the end of the period  covered by this
                  report based on such evaluation; and

             c)   disclosed  in  this  report  any  change  in the  registrant's
                  internal control over financial reporting that occurred during
                  the   registrant's   most  recent  fiscal   quarter  that  has
                  materially  affected,  or is  reasonably  likely to materially
                  affect,  the  registrant's  internal  control  over  financial
                  reporting.

       5.    The registrant's  other  certifying  officers and I have disclosed,
             based  on the most  recent  evaluation  of  internal  control  over
             financial  reporting,  to the  registrant's  auditors and the audit
             committee of registrant's board of directors (or persons performing
             the equivalent functions):

             a)   all significant  deficiencies  and material  weaknesses in the
                  design  or  operation  of  internal  controls  over  financial
                  reporting which are reasonably  likely to adversely affect the
                  registrant's ability to record, process,  summarize and report
                  financial information; and

             b)   any fraud,  whether or not material,  that involves management
                  or  other  employees  who  have  a  significant  role  in  the
                  registrant's internal controls over financial reporting.



Date January , 2004                     By /s/ Donald J. Hommel
     --------------                        -----------------------------
                                           Chief Financial Officer