The Dodd-Frank Act only requires that HUD-approved counselors demonstrate competency in six areas as evidenced by passing an examination. However, HUD approved agencies and counselors may choose to specialize in certain areas as reflected in their official counseling work plans. All counselors are required by HUD Handbook 7610.1, Rev.5 Sections 3-5(E) and 3-12, to make a knowledgeable referral to another agency that does provide the type of counseling that its clients might need, based on the initial counseling intake, and note the referral in the client's file.