The Dodd-Frank Act of 2010 requires that individual housing counselors participating in HUD’s Housing Counseling Program shall demonstrate, by written examination, competence in providing counseling in each of the following areas: Financial Management; Property Maintenance; Homeownership and Tenancy; Fair Housing Laws and Requirements; Housing Affordability; and Avoidance of, and responses to, rental and mortgage delinquency and avoidance of eviction and mortgage default.