“Debt-management services” means services as an intermediary between an individual and one or more creditors of the individual for the purpose of obtaining concessions and includes credit counseling, the development and implementation of debt-management plans and debt settlement services. The term does not include:
1. Legal services provided in an attorney-client relationship by an attorney licensed or otherwise authorized to practice law in this State;
2. Accounting services provided in an accountant-client relationship by a certified public accountant licensed to provide accounting services in this State; or
3. Financial-planning services provided in a financial planner-client relationship by a member of a financial-planning profession whose members the Commissioner, by regulation, determines are:
(a) Licensed by this State;
(b) Subject to a disciplinary mechanism;
(c) Subject to a code of professional responsibility; and
(d) Subject to a continuing education requirement.