Ontario Association of Credit Counselling Services (OACCS)


Agency Accreditation

We developed Accreditation for credit counselling agencies in the 1980's. In doing this, we became the first association anywhere in North America to implement this high standard for agencies.

Accreditation recognizes that the agency has met the rigorous OACCS credit counselling sector standards that are founded on integrity, trust and excellence in governance, accountability, services and operations.

Achieving Accreditation is a mandatory requirement for not for profit, credit counselling agency charities who wish to become a member of CACCS and OACCS.


  • Credibility
  • Professionalism
  • Industry Respect
  • Consumer Confidence

Individual Certification

We developed and implemented Certification for financial practitioners in Canada in 2006. In doing so, we deliberately raised the bar on required expertise for the financial counselling industry so that Canadians could have independent access to the very best personal financial expertise.

Highly qualified, certified financial practitioners can help to transform lives from the debilitating issues associated with debt and poor money management to positions of empowerment and control over personal financial health.

Our certification program attracts candidates that are passionate about and engaged in helping others to strengthen their financial fitness, one of the most influential aspects of their lives.

We provide industry-leading Certification training and education for aspiring financial counsellors who want to raise their skill level, expertise and professionalism.  Through our programs, financial practitioners acquire excellent personal financial training and education.

Our Accredited Financial Counsellor CanadaSM (AFCCSM) certification designation is the sign of a qualified professional financial counsellor.  This Certification is bestowed upon financial practitioners who have met the rigorous standards of professionalism that are founded on integrity, trust, sound knowledge and expertise.

We are the exclusive licensee in Canada of the Accredited Financial Counsellor CanadaSMcertification program.  AFCCSM is a certification mark of Association for Financial Counseling and Planning Education®.


  • Highest level of skill, knowledge and integrity
  • Distinction, Credibility and Respect
  • Professionalism
  • Confidence


The Ontario Association of Credit Counselling Services (OACCS) formed. Through Ontario Legislature Select Committee on Consumer Credit…


OACCS introduces standards and training for the Credit Counselling sector, opens first office, develops workshops, issues guidelines, manuals and…


OACCS develops its unique Accreditation Program for Agencies, becoming the first voluntary non-profit Credit Counselling association in North America to accredit…


Royal assent gives OACCS legislation; An Act Respecting the Ontario Association of Not-for-Profit Credit Counselling Services, becoming the legislative voice for…


OACCS launches Counsellor Certification, Accredited Financial Counsellor Canada (AFCC) designation for financial practitioners. Canadian…


Financial Fitness Score assessment tool celebrates first year anniversary of helping Canadians to determine how well they are managing their finances….

Ready To Become a Qualified Financial Counselling Practitioner?

Start your journey to becoming an Accredited Financial Counsellor Canada®


E: ConsumerSupport@financialfitness.ca

Text: 905-945-5644
Formally the Ontario Association of Credit Counselling Services (OACCS)

Canadian Association of Credit Counselling Services

11-1155 North Service Rd W
Oakville, ON L6M 3E3

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