 This issue, plus the fact that the title certified mortgage planner is often confused with mortgage planner, makes the overall term confusing to consumers.The selection of the term "certified mortgage planner" has come under scrutiny for sounding too similar to certified public accountant.CPA is the statutory title of qualified accountants in the United States who have passed the Uniform Certified Public Accountant Examination and have met additional state education and experience requirements for certification, while CMPs take a private test without such extensive education and are basically not accountable outside of fraud.