Most of us in the industry are doing a lions share of our business marketing to “Low Income” households and individuals, and possible an ever greater percent of all marketing worldwide is to this market segment. There is a huge need for an association to represent, educate and organize companies in this market segment. Self-regulation is long overdue and needs to be created not by politicians, the media, or out touch organizations; but by companies in the industry. By self policing and protecting the individuals and households from illegal and abusive marketing practices our organization plans to bring this marketing segment into a positive light, creating a huge positive, from what may have been viewed as a negative, for the members of our organization.