This 2015 version of the Consumer Protection Code introduces a thirteenth chapter to the Code.  This chapter outlines further requirements that are applicable to debt management firms. This chapter also introduces further restrictions that apply to debt management firms, including a restriction not to prevent or seek to obstruct a consumer from communicating directly with his or her creditors. The aim of the Code in general is to ensure that there is a consistent code in place to ensure that customers are safeguarded in their dealings with regulated entities.