Part of the Dodd-Frank Act (12 USC 5481, 5536) forbids “covered persons” from engaging in any unfair, deceptive, or abusive act or practice. A “covered person” is one who engages in offering or providing a consumer financial product or service, including “providing financial advisory services . . . to consumers on individual financial matters or relating to proprietary financial products or services.” This decision holds that the defendant provided financial advisory services within the statute’s meaning when he and his company offered to help students obtain scholarships and other financial assistance. The decision also holds that the net impression of defendant’s advertising was deceptive (and hence violated Dodd-Frank) by giving the impression that defendant would provide individualized advice on obtaining financial assistance when, in fact, defendant provided only a standardized brochure and group advice.