Credit Counseling

Important Note Regarding Use of Application Forms Following Effective Date of Credit Counseling Final Rule

On March 14, 2013, the Credit Counseling final rule was published in the Federal Register. The rule is available on our public website here. This final rule is effective as of April 15, 2013.

Before submitting a first time application, or applying for annual re-approval, each agency and provider must become familiar with these changes and achieve compliance by updating existing procedures, as necessary.  Returning applicants should be aware that, in some cases, this means that checking “No Change” on the application will indicate that the applicant is out of compliance with the final rule.  Returning applicants should check their responses to the following sections of the application to confirm compliance with the final rule:

Credit Counseling
Application Section

Item to confirm


Duration of counseling (28 C.F.R. sec. 58.12(b)(12))

4.4 – 4.6

Description of counseling process, including identity verification (28 C.F.R. sec. 58.20(h)(2)), content and manner of providing written financial analysis (28 C.F.R. sec. 58.12(b)(12)(A)), and mandatory interaction requirement (28 C.F.R. sec. 58.22(a))


Written standards, procedures, and materials (28 C.F.R. sec. 58.12(b)(12))


Fee discounts (28 C.F.R. sec. 58.20(d)(4))


Manner of disclosing fee discounts (28 C.F.R. secs. 58.20(d)(4) & 58.20(l)(1))

5.2 (all)

Fee waiver policy and manner of disclosure (28 C.F.R. secs. 58.20(l)(2); 58.21(b) & (e))


Mandatory disclosures (28 C.F.R. sec. 58.20(l))

Subject Other Formats Effective Date
Instructions for Application for Approval As a NonProfit Budget and Credit Counseling Agency [PDF - 212 KB] 12/21/2016
IMPORTANT NOTE: In completing the application, if it is necessary to include attachments, please clearly cross reference the attachment to the corresponding section of the application. This will expedite the review of your application.
Application for Approval as a Nonprofit Budget and Credit Counseling Agency * [PDF/F - 270 KB] 12/21/2016
Appendix A: Acknowledgments, Agreements, and Declarations in Support of Application for Approval as a Nonprofit Budget and Credit Counseling Agency * [PDF/F - 39 MB] 12/21/2016
Appendix B: Judicial Districts * [PDF/F - 1.07 MB] 12/21/2016
Appendix C: Counseling Methods and Business Locations * [PDF/F - 1.05 MB] 12/21/2016
Appendix D: Matrix of Current Counselors * [PDF/F - 1.14 MB] 12/21/2016
Appendix E: Activity Report for Approved Agencies *
Note: Version 9.0 or later of Adobe Reader is required for this document. Download a free copy at
[PDF/F - 1.01 MB] 12/21/2016
* Note: Space for entry of information may be limited in certain fields. If additional space is required to complete an answer, attach a separate page with appropriate identifying information in the top, right-side of page.
Process for Obtaining a Waiver of the Employment Prohibition for Individuals with Certain Criminal Convictions [PDF - 20 KB] May 23, 2013
Federal Judicial Districts Covered by the U.S. Trustee Program [PDF - 14 KB]  


The United States Trustee Program has developed a recommended bond form for Nonprofit Budget and Credit Counseling Agencies that offer debt management plans. This recommended bond form is not mandatory. It does, however, include language the U.S. Trustee Program has determined to satisfy minimum requirements. View a .pdf fillable version of the bond form here: [PDF/F - 138 KB] (Posted: 8/17/05)

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Updated December 22, 2016