Ethics & Compliance
Committed to integrity, accountability, compliance, and consumer trust in everything we do.
NCCB is committed to maintaining the highest standards of integrity, professionalism, and ethical conduct in every aspect of our operations. Our Code of Business Conduct & Ethics serves as a guiding framework for how we interact with consumers, employees, business partners, regulators, and the communities we serve.
The Code reflects our commitment to honesty, accountability, fairness, confidentiality, respect, and compliance with applicable laws and regulations. It helps ensure that every decision and action taken on behalf of NCCB supports our mission of providing responsible financial guidance while protecting the trust placed in us by consumers.
Through our Code of Business Conduct & Ethics, we promote a culture of ethical responsibility, consumer protection, transparency, and professional excellence, reinforcing our dedication to serving individuals and families with dignity, respect, and integrity.
PDF (17 MB)
The National Credit Counselling Bureau (NCCB) is committed to maintaining the highest standards of integrity, professionalism, and ethical conduct in every aspect of its operations. As a trusted credit counselling organization, NCCB serves individuals and small enterprises during times of financial difficulty, making trust, confidentiality, fairness, and impartial guidance essential to everything we do.
The Code outlines standards related to confidentiality, conflicts of interest, anti-bribery practices, privacy and data protection, fair dealing, responsible workplace conduct, reporting concerns, non-retaliation protections, and client-first counselling practices. It also reinforces NCCB’s broader commitment to transparency, accountability, community responsibility, and organizational integrity.
At NCCB, ethical conduct is more than a policy requirement. It is a fundamental part of our identity. Every team member is expected to uphold these standards, exercise sound professional judgment, and contribute to a culture built on trust, compassion, and responsibility.
The full Code of Business Conduct & Ethics is available for download and provides comprehensive guidance on the standards that govern NCCB’s operations and professional conduct.
NCCB is committed to conducting its operations in accordance with applicable federal, state, and local laws governing debt management, consumer protection, financial counseling, and related services. As an authorized Debt Management Service Provider, we maintain policies, procedures, and internal controls designed to support compliance, accountability, and ethical business practices.
We continually review our operations to align with regulatory requirements and industry standards, ensuring that consumers receive professional, transparent, and responsible services. Our commitment to compliance reflects our dedication to protecting consumers, maintaining public trust, and promoting responsible financial guidance.
At NCCB, we understand that financial information is personal and sensitive. We are committed to protecting the privacy, confidentiality, and security of the information entrusted to us by consumers.
We collect and use information only as necessary to provide our services, comply with legal obligations, and improve the consumer experience. NCCB maintains reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, or loss.
Our commitment to privacy is rooted in respect, trust, and our responsibility to safeguard the information consumers share with us.
NCCB believes that trust is built through openness, honesty, and clear communication. We are committed to providing consumers with understandable information about our services, processes, fees, responsibilities, and available options.
We encourage consumers to ask questions, seek clarification, and make informed decisions based on accurate information. Our goal is to ensure that individuals understand both the benefits and considerations associated with any financial solution before moving forward.
Through transparency and accountability, NCCB strives to foster confidence, strengthen consumer relationships, and support responsible financial decision-making.
