“…The Ethical Principles of Psychologists (APA, 1990) and the current draft revision ("Draft," 1991) address many of these issues, such as organizational demands that are in conflict with the principles, the relationship of financial arrangements to a client's best interests, and prolonging a professional relationship beyond the point that it benefits the consumer. However, the growing influence and prevalence of third-party payment sources, from traditional insurance to HMOs and EAPs, seem to have intensified the need for explicit ethical standards that address more directly, realistically, and helpfully the dilemmas created by these payment sources (see, e.g., Cummings & Duhl, 1987;DeLeon, VandenBos, & Kraut, 1986;Dorken & DeLeon, 1986;Kiesler & Morton, 1988a, 1988bPope, 1990a;Zimet, 1989). Psychologists who find themselves working for organizations such as HMOs and for patients served by those organizations may be facing conflicts parallel to those faced by industrial-organizational psychologists.…”