A financial counselor who loses their FiCEP certification due to an ethical violation continues to market themselves as a 'Certified Financial Counselor.' This behavior constitutes:
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A
A minor administrative oversight that can be corrected with documentation
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B
Acceptable practice if the counselor is actively working to reinstate certification
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C
Misrepresentation of credentials, which is a serious ethical and potentially legal violation
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D
A permissible use of the title until the certification body formally notifies clients