Some financial service providers, currently authorised by the Central Bank, provide debt advice to consumers, for example, mortgage brokers. Consumers can confirm whether or not a financial service provider is authorised by checking the Register of Financial Service Providers on the Central Bank's website. There are also companies offering debt management and debt counselling services which are not registered with or authorised by the Central Bank. In the context of future legislation on financial regulation, I will examine the question of licensing all companies that offer debt management and debt advice services.