(1) Accreditation must meet as they pertain to credit counseling the:
(a) ISO 9001:2000;
(b) BSI management;
(c) BYGI; or
(d) Council on Accreditation for Children and Families standards.
(2) Certification must be by:
(a) the Association for Financial Counseling and Planning Education;
(b) the National Foundation for Credit Counseling; or
(c) a college accredited by one of the six regional accreditation services, by taking a course worth at least three semester credits covering credit counseling or debt management.