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

educational services; namely, developing courses of study and educational materials in the field of consumer credit and consumer debt management for the use of individuals, schools, colleges and other educational institutions, for adult education, and for conducting and organizing classes and seminars in the field of consumer credit and consumer debt management; and publication services; namely, publishing and encouraging the publication of articles, instructions and educational material on consumer credit and consumer debt management

association services; namely, fostering and encouraging the establishment and proper functioning of non-profit consumer debt management organizations throughout the United States and internationally, establishing ethical practices for the granting and administration of consumer credit, and/or consumer debt management organizations, establishing professional standards and qualifications for persons who provide advice, guidance and assistance to those having serious consumer debt management problems, organizing, providing guidance and administrative support for committees and the organization of meetings for association members and other interested persons