About us

The CCA is the trade association for home credit industry in the UK and Republic of Ireland, promoting high standards of business and consumer relations.

CCA and its role

The Consumer Credit Association is the informed and influential force in the home credit industry. It was founded in 1978 (out of the National Personal Finance Association and the Retail Credit Federation) to establish, monitor and maintain standards.

Our primary role today retains this focus on delivering the highest possible level of service quality, ethics and responsibility.

Representing our members

We represent the majority of businesses in the home credit industry and are the first point of contact for government, local authorities, other finance sector representative bodies, the media and consumer groups who have an interest in the industry.

We work closely with all of these stakeholders, representing our members’ views to policy makers and ensuring their voice is heard.

We also engage with the media to promote the industry and highlight the strength and importance of our members’ businesses for consumers seeking credit.

Raising standards

Equally important is our role in communicating important legislative and regulatory changes to our members so that they can continually run their businesses efficiently whilst complying with all relevant regulations.  Since 1st April 2014, every firm or individual offering consumer credit in the UK is regulated by the Financial Conduct Authority (FCA).  The CCA works closely with the FCA to ensure that the highest standards of conduct are maintained by our members.  This is critical to maintaining standards in the industry.

Who do we represent?

The association has over 420 member businesses which range from large public limited companies to small firms. All of these have been assessed to ensure their conduct and competence meets the CCA’s high standards and they all have to comply with our Constitution and Code of Practice. 

How are we governed?

The policies of the association are decided by a National Council, an Executive Committee and six Sub-Committees. They are implemented by a full time Director General and support staff at the association's headquarters in Chester. Find out more here

Why join? Member benefits

Join the leading home credit trade association and access a wealth of information and services to help drive your business forward.

Find out more

Code of Practice and Constitution

It is continuously updated and sets out the standards of business practice for members of the CCA

Find out more

CCA News

CCA News - January 2015 cover

Our quarterly magazine, CCA News, keeps our members up to date with all the latest news and issues affecting the home credit industry.

Download CCA News