March 14, 2013

The credit counseling and debtor education final rules were published today in the Federal Register. Each of the final rules contains a Summary of Changes in Final Rule setting forth the differences between the final rules and the notices of proposed rulemaking.

The final rules are effective thirty days from the date of publication. Existing approved agencies and providers shall become familiar with the obligations set forth in the final rules. Please see the “Important Note Regarding Use of Application Forms” set forth on each of the Credit Counseling and Debtor Education application pages.