Accessibility is the "ability to access" web resources. Usability, by contrast, describes how web resources can be used to accomplish certain tasks by certain users. If you can't access web resources, you can't use web resources.
The W3C issued a working draft on December 11, 2007 Web content accessibility guidelines 2.0.
Note the special problem of CAPTCHAs. These are texts that require a human being to read distorted text and then correctly input the text. In this manner, computers can distinguish human agents from digital agents.
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The guidelines suggest providing a text alternative.
Techniques to ensure foreground and background colors can be selected by the user
Specifying foreground and background colors in CSS OR
Providing a color selection tool that allows a pastel background OR
Providing a multi color selection tool on the page for foreground
and background colors (JavaScript, Future Link) OR
Using a technology that has commonly-available user agents that can change
the foreground and background of blocks of text