financial research services, namely, conducting financial research into all aspects of consumer credit and debt management

educational services, namely, conducting classes and seminars in the field of consumer credit and consumer debt management and distributing printed course materials in connection therewith; organizing and conducting educational meetings in the fields of - consumer credit and consumer debt management; the establishment and operation of non-profit consumer debt management organizations throughout the US and internationally; the establishment of ethical practices for the granting and administration of consumer credit and consumer debt management organizations; and the establishment of professional standards and qualifications for personnel who provide various guidance and assistance to those having consumer debt management problems

association services, namely, promoting the interests of the consumer credit and consumer debt management industries by fostering and encouraging the establishment and proper functioning of non-profit consumer debt management organizations throughout the US and internationally, establishing ethical practices for the granting of administration of the credit and consumer debt management organizations, and by establishing professional standards or qualifications for persons who provide advice, guidance and assistance to those having consumer debt management problems