Functionally, it probably amounts to two restrictions: a chatbot cannot formally diagnose & a chatbot cannot bill insurance companies for services rendered.
Most "therapy" services are not providing a diagnosis. Diagnosis comes from an evaluation before therapy starts, or sometimes not at all. (You can pay to talk to someone without a diagnosis.)
The prohibition is mainly on accepting any payment for advertised therapy service, if not following the rules of therapy (licensure, AI guidelines).
The prohibition is mainly on accepting any payment for advertised therapy service, if not following the rules of therapy (licensure, AI guidelines).
Likewise for medicine and law.