Private Organization Accreditation

Debt Education and Certification Foundation (DECAF), a private non-profit 501(c)(3) organization, provides high-quality financial education and counseling, with nationwide outreach throughout the U.S. DECAF is HUD-approved, and recognized as one of the 100 Best Companies to Work for in Texas.


Barry Gourley

Volunteer Roles: Endorser; Peer Reviewer

It is an honor to be a COA volunteer. I’ve had a great opportunity to work with fabulous COA volunteers, I’ve grown professionally in the COA accreditation process and I’ve met some wonderful people across this nation who are working hard to help and support children and families.
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The rights and dignity of customers are respected throughout the MFR program.


Respecting the rights of customers requires that MFR program practices reflect a profound respect for personal dignity, confidentiality, and privacy. In addition to addressing legally protected rights pertaining to these concepts, the standards in this section also address the MFR program’s ethical obligation to protect these rights. 


  • Revised Standard - 07/21/17
    The MIL-CR standards were revised to reflect current practice.

Interpretation: Mandated customers and adults under the care of a guardian may have a reduced level of rights and the MIL-CR standards highlight instances in which this may be the case. However, the standards are not necessarily comprehensive, and MFR programs should become familiar with, and follow, applicable laws and regulations governing the rights of mandated or incapacitated customers. Individual rights may not be abridged unless superseded by legal mandate, court order, or lawful order of a commander.

Note: The MIL-CR standards were revised in July 2017 to reflect current practice. For more information please see the MIL-CR Update Summary

Note: Please see MIL-CR Reference List for a list of resources that informed the development of these standards. 

Customer Rights Narrative

Self-Study Evidence
    • Cite 2-3 examples of activities or decisions that the MFR program has undertaken to protect and promote customer rights.
    • Identify a part of the MFR program’s customer rights practices that has been: 
      1. the most difficult to advance, and indicate the reasons why; and
      2. the least difficult to advance, and indicate the reasons why.
    • Describe how the MFR program reconciles its confidentiality and privacy practices with legal requirements for the release of identifying information, mandatory reporting, and duty to warn (MIL-CR 2).
    • Provide any additional information that would increase the Peer Review Team's understanding of how the MFR program's customer rights practices promote respect for the rights and dignity of customers.
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