No person shall engage in or hold himself out to engage in the business of credit counseling other than: (1) agencies as authorized by this Chapter; (2) attorneys-at-law rendering services in the course of their practice; (3) judicial officers or others acting pursuant to court order or direction; (4) duly constituted nonprofit legal aid or assistance bureaus; or (5) persons substantially financed by governmental grants or appropriations but only to the extent of the terms of such grants or appropriations. CROSS-REFERENCES: For the latest law on who may and may not practice law, and what that constitutes, see 7 GCA Chapter 9A.