(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.