Utah Division of Consumer Protection
Approved Credit Counselor and Debt Specialist Certification Programs
and Organizations
The Uniform Debt-Management act requires that an applicant for registration provide
evidence that, within 12 months after initial employment, each of the applicant’s
counselors become certified as a certified credit counselor. Utah Code Ann. §13-42-
106(9). A certified credit counselor means “an individual certified by a training program
or certifying organization, approved by the administrator, that authenticates the
competence of individuals providing education and assistance to other individuals
providing education and assistance to other individuals in connection with debt-
management services.”—Utah Code Ann. § 13-42-102(6).
The following programs or organizations have been approved by the Division of
Consumer Protection to meet the certification requirement of Utah Code Ann. § 13-42-
106(9):
• Association for Financial Counseling and Planning Education (AFCP) :
Accredited Financial Counselor and Certified Housing Counselor
programs www.afcpe.org
• Center for Financial Certifications: Certified Personal Finance Counselor
and Certified Consumer Debt Specialist programs www.fincert.org
• National Association of Certified Credit Counselors (NACCC): Credit
Counselor Certification and Debt Specialist Certification programs
www.naccc.us
• National Foundation for Credit Counseling (NFCC): Certified Counselor
program www.nfcc.org
• The National Institute for Financial Education of America (NIFE):
Certified Counselor program www.nife-ed.com
• International Association of Professional Debt Arbitrators (IAPDA): Debt
Specialist program www.iapda.org
• Arbor Investment in Financial Education: Certified Credit Counselor
program www.arbored.com