a. A licensee may charge a fee to cover the cost of providing debt adjustment and credit counseling.
b. The fee for debt adjustment shall not exceed 1% of the gross monthly income of the person to whom the service is rendered, but in no case more than $15.00 in any one month, except as may be otherwise provided by rule or regulation promulgated by the commissioner. This fee may be waived in the discretion of the licensee.
c. The commissioner is authorized to establish the maximum fee that may be charged for credit counseling.