Although I agree totally with Scott that the WAM would be most useful for your purposes, I can't help think that you're not going to get what you want from this setup. It's not going to be able to handle anything for accounts in any way other than giving the people access to specific areas you have designated to them manually in the WAM program. There are no actual "logins" setup for this, and there are no "account" management facilities setup in this. I find myself once again hating to have to say it to anyone, but I think that you would find a CMS a better choice for your purposes if you need login capabilities. I don't think anything that CC has at this time can accommodate that at all other than manually scripting it yourself with the software. More power to you if you can do that! I can't so I tend to think of what I can do, and a CMS would probably be your most useful bet for this situation.
There are a few of them out there, Joomla being the only one that comes to mind but, it doesn't have very good account capabilities at this time (coming very soon from what I hear though). But there are many out there that do have good group control.
I do hope you find what you need here at CC though, but in case you were expecting something to do this for you, I figured you should know it won't. Good luck no matter what you decide to do and as always ask away if you need assistance.