Let the total number of coins in Lauren's collection be denoted by \( x \).
We know that 3 coins represent 4% of the total collection, thus we can set up the equation:
\[ 0.04x = 3 \]
To find \( x \), we can solve for it by dividing both sides of the equation by 0.04:
\[ x = \frac{3}{0.04} \]
Calculating the right-hand side:
\[ x = 3 \div 0.04 = 3 \times 25 = 75 \]
Thus, the total number of coins in Lauren's collection is
\[ \boxed{75} \]