Section 58.25 - Definitions(a) The following definitions apply to §§58.25 through and including 58.36 of this part, as well as the applications and other materials providers submit in an effort to establish they meet the requirements necessary to become an approved provider of a personal financial management instructional course.(b) These terms shall have these meanings: (1) The term "accreditation" means the recognition or endorsement that an accrediting organization bestows upon a provider because the accrediting organization has determined the provider meets or exceeds all the accrediting organization's standards;(2) The term "accrediting organization" means either an entity that provides accreditation to providers or provides certification to instructors, provided, however, that an accrediting organization shall:(i) Not be a provider or affiliate of any provider; and(ii) Be deemed acceptable by the United States Trustee;(3) The term "affiliate" means: (i) Every entity that is an affiliate of the provider, as the term "affiliate" is defined in 11 U.S.C. 101(2) , except that the word "provider" shall be substituted for the word "debtor" in 11 U.S.C. 101(2) ;(ii) Each of a provider's officers and each of a provider's directors; and(iii) Every relative of a provider's officers and every relative of a provider's directors;(4) The term "application" means the application and related forms, including appendices, approved by the Office of Management and Budget as form EOUST-DE1, Application for Approval as a Provider of a Personal Financial Management Instructional Course, as it shall be amended from time to time;(5) The term "approved list" means the list of providers currently approved by a United States Trustee under 11 U.S.C. 111 as currently published on the United States Trustee Program's Internet site, which is located on the United States Department of Justice's Internet site;(6) The term "approved provider" means a provider currently approved by a United States Trustee under 11 U.S.C. 111 as an approved provider of a personal financial management instructional course eligible to be included on one or more lists maintained under 11 U.S.C. 111(a)(1) ;(7) The term "certificate" means the document an approved provider shall provide to a debtor after the debtor completes an instructional course, if the approved provider does not notify the appropriate bankruptcy court in accordance with the Federal Rules of Bankruptcy Procedure that a debtor has completed the instructional course;(8) The term "debtor" shall have the meaning given that term in 11 U.S.C. 101(13) , to the extent that individual has sought an instructional course from an approved provider;(9) The term "Director" means the person designated or acting as the Director of the Executive Office for United States Trustees;(10) The term "effective instruction" means the actual receipt of an instructional course by a debtor from an approved provider, and all other applicable services, rights, and protections specified in: (11) The term "entity" shall have the meaning given that term in 11 U.S.C. 101(15) ;(12) The terms "fee" and "fee policy" each mean the aggregate of all fees an approved provider charges debtors for providing an instructional course, including the fees for any materials; "fee policy" shall also mean the objective criteria the provider uses in determining whether to waive or reduce any fee, contribution, or payment;(13) The term "final decision" means the written determination issued by the Director based upon the review of the United States Trustee's decision either to deny a provider's application or to remove an approved provider from the approved list;(14) The term "financial benefit" means any interest equated with money or its equivalent, including, but not limited to, stocks, bonds, other investments, income, goods, services, or receivables;(15) The term "governmental unit" shall have the meaning given that term in 11 U.S.C. 101(27) ;(16) The term "independent contractor" means a person or entity who provides any goods or services to an approved provider other than as an employee and as to whom the approved provider does not: (i) Direct or control the means or methods of delivery of the goods or services being provided;(ii) Make financial decisions concerning the business aspects of the goods or services being provided; and(iii) Have any common employees;(17) The term "instructional course" means a course in personal financial management that is approved by the United States Trustee under 11 U.S.C. 111 and this part, including the learning materials and methodologies in §58.33(f), which is to be taken and completed by the debtor after the filing of a bankruptcy petition and before receiving a discharge under 11 U.S.C. 727(a)(11) , 1141(d)(3) or 1328(g)(1) ;(18) The term "instructor" means an individual who teaches, presents or explains substantive instructional course materials to debtors, whether provided in person, by telephone, or through the Internet;(19) The term "languages offered" means every language other than English in which an approved provider offers an instructional course;(20) The term "legal advice" shall have the meaning given that term in 11 U.S.C. 110(e)(2) ;(21) The term "limited English proficiency" refers to individuals who:(i) Do not speak English as their primary language; and(ii) Have a limited ability to read, write, speak, or understand English;(22) The term "material change" means, alternatively, any change:(i) In the name, structure, principal contact, management, instructors, physical location, instructional course, fee policy, language services, or method of delivery of an approved provider; or(ii) That renders inapplicable, inaccurate, incomplete, or misleading any statement a provider previously made:(A) In its application or related materials; or(B) To the United States Trustee;(23) The term "method of delivery" means one or more of the three methods by which an approved provider can provide some component of an instructional course to debtors, including:(i) "In person" delivery, which applies when a debtor primarily receives an instructional course at a physical location with an instructor physically present in that location, and with the instructor providing oral and/or written communication to the debtor at the facility;(ii) "Telephone" delivery, which applies when a debtor primarily receives an instructional course by telephone; and(iii) "Internet" delivery, which applies when a debtor primarily receives an instructional course through an Internet Web site;(24) The term "notice" in §58.36 means the written communication from the United States Trustee to a provider that its application to become an approved provider has been denied or to an approved provider that it is being removed from the approved list;(25) The term "provider" shall mean any entity that is applying under this part for United States Trustee approval to be included on a publicly available list in one or more United States district courts, as authorized by 11 U.S.C. 111(a)(1) , and shall also mean, whenever appropriate, an approved provider;(26) The term "referral fees" means money or any other valuable consideration paid or transferred between an approved provider and another entity in return for that entity, directly or indirectly, identifying, referring, securing, or in any other way encouraging any debtor to receive an instructional course from the approved provider;(27) The term "relative" shall have the meaning given that term in 11 U.S.C. 101(45) ;(28) The term "request for review" means the written communication from a provider to the Director seeking review of the United States Trustee's decision either to deny the provider's application or to remove the provider from the approved list;(29) The term "state" means state, commonwealth, district, or territory of the United States;(30) The term "United States Trustee" means, alternatively:(i) The Executive Office for United States Trustees;(ii) A United States Trustee appointed under 28 U.S.C. 581 ;(iii) A person acting as a United States Trustee;(iv) An employee of a United States Trustee; or(v) Any other entity authorized by the Attorney General to act on behalf of the United States under this part.