Exhibit 31(ii)
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                                CERTIFICATIONS
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         I, Steve Bailey, certify that:


                  1.    I have reviewed this report on Form 10-K and all
                        reports on Form 10-D required to be filed in respect
                        of the period covered by this report on Form 10-K of
                        CWABS Asset-Backed Certificates Trust 2006-20 (the
                        "Exchange Act periodic reports");

                  2.    Based on my knowledge, the Exchange Act periodic
                        reports, taken as a whole, do 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, all of the distribution,
                        servicing and other information required to be
                        provided under Form 10-D for the period covered by
                        this report is included in the Exchange Act periodic
                        reports;

                  4.    I am responsible for reviewing the activities
                        performed by the servicer(s) and based on my knowledge
                        and the compliance review(s) conducted in preparing
                        the servicer compliance statement(s) required in this
                        report under Item 1123 of Regulation AB, and except as
                        disclosed in the Exchange Act periodic reports, the
                        servicer(s) have fulfilled their obligations under the
                        servicing agreement(s) in all material respects; and

                  5.    All of the reports on assessment of compliance with
                        servicing criteria for asset-backed securities and
                        their related attestation reports on assessment of
                        compliance with servicing criteria for asset-backed
                        securities required to be included in this report in
                        accordance with Item 1122 of Regulation AB and
                        Exchange Act Rules 13a-18 and 15d-18 have been
                        included as an exhibit to this report, except as
                        otherwise disclosed in this report. Any material
                        instances of noncompliance described in such reports
                        have been disclosed in this report on Form 10-K.

                  In giving the certifications above, I have reasonably relied
                  on information provided to me by the following unaffiliated
                  parties: The Bank of New York, as Trustee.

             Date: March 26, 2007


                  /s/ Steve Bailey
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                  Steve Bailey
                  Senior Managing Director, Loan Administration