CFR › Title 28 › Part 814 › §814.828 CFR §814.8Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov ↗Copy link(a)The creditor agency may be represented by legal counsel.(b)The employee may be self-represented or may be represented by an individual of the employee's choosing, at the employee's expense.