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.

Why join? Member benefits

Whatever the size of your home credit business, CCA membership has a lot to offer. As well as proactive representation at a local, national and European level, and professional recognition for your business, CCA members have access to a wide range of advice, information and other services to help them run their businesses effectively and provide the highest standards of service to customers.

These benefits include:

Business information, support and advice

APR and early settlement information

Members can contact the CCA office to check APRs or calculate early settlement rebates.

Business guidelines

Every new member receives a free pack to help with the smooth running of their business - particularly useful for start-up home credit companies.

Code of Practice

Through membership and compliance with the Code, companies can demonstrate their commitment to giving customers an excellent service. The Code can also be used to help resolve disputes.

Full time administration team

A key role of the CCA is to handle enquiries from members about a wide range of issues, including new legislation, legal compliance, staff training and customer service. The CCA team is always available during office hours to take members' calls and answer questions or give advice.

Legislation monitoring

The CCA's Law Committee tracks all changes to UK and EU law and keeps members up to date with new legislation.


CCA's regular emails and enewsletters help to keep members in touch with the latest industry guidelines and issues.

Regional and national events

Annual Convention

Our Annual Convention is a chance for members to get together and discuss issues affecting the home credit industry and their individual businesses. The convention offers excellent guest speakers, useful technical presentations and plenty of networking opportunities.

Regional meetings

Our proactive regional groups give members the opportunity twice a year to meet other local businesses to share best practice and discuss industry issues.

Workshops and seminars

The CCA regularly holds free training events to ensure members and their staff are up to date with current legislation and industry best practice.


To keep members informed about changes in the industry and additional new business opportunities, the CCA runs a series of roadshows across the UK. The venues are selected to enable members to attend at a place and on a date convenient to them.

Business resources

Credit Reporting

Members can report customer defaults on-line to a credit reference agency, free of charge. 

Free Training

The CCA is committed to assisting its members to operate effectively and in compliance with legislation and official guidance.  To this end the Association provides free training that ensures compliance with:

  • The Consumer Credit (EU Directive) Regulations 2010 and associated BIS Guidance
  • The Consumer Credit Act 1974 and 2006, and associated legislation
  • The Home Credit Market Investigation Order 2007 (amended 2011)
  • The Consumer Credit (Advertisements) Regulations 2010
  • The Data Protection Act 1998
  • The Bribery Act 2010 (on CD)
  • OFT Guidance – including “Irresponsible Lending Guidance” and “Debt Collection Guidance”
  • Health and Safety issues specific to the home credit industry (on DVD)


Free Policies & Procedures Writing Kit (On CD)

The CCA provides The CCA Policies and Procedures Writing Kit (on CD) free of charge to assist members to write policies and procedures that demonstrate a commitment to compliant and best-practice working and establish how important business activities will be carried out compliantly, effectively and consistently.

The CCA Policies and Procedures Writing Kit consists of a bank of policy and procedure templates relevant to home credit businesses that can be adapted to suit business size, organisation and way of working.  It includes a set of comprehensive templates specific to the compliant operation of home credit covering the areas of:

  • Business Generation
  • Customer Service
  • Business Integrity and
  • Employment.  

Business stationery

The CCA sells consumer credit agreements to members which comply with all the current legislation at a competitive price. They offer guaranteed compliance with the industry’s regulations.

Credit reference services

The CCA provides cost effective access for smaller businesses to credit reference agencies.

Default letter service

Members can use standard CCA letters to ensure overdue accounts are highlighted and settled.

Model contracts

Members can download contracts for agents, staff and managers

Removed accounts collection

If customers move to another area, the CCA can arrange collections in the new area for accounts less than six months old.

Specially negotiated discounts

Business Insurance

CCA Office Package - One policy, one premium, simple pre-packaged, pre-priced office policy available exclusively from leading business insurer and home credit specialist, BIB, for members of the CCA.

Vouchers and gift cards

Members can buy vouchers for well-known retailers at significant discounts, including: Arcadia; Debenhams; Dixons; Halfords; High Street; Kingfisher; Leisure; Love2travel; Virgin; Virgin Experience Days; Wilkinson.

The most recent addition to our range are the fantastic Love2Shop Gift Cards. These multi-retailer vouchers are accepted by over 85 leading high street names and in over 20,000 outlets nationwide. For further details or to place an order, please contact Anna Roberts on 01244 394760.

Home Credit software

Members enjoy preferential rates with a leading national supplier of specialist home credit software.

Representation and Reputation

CCA Membership logo

Displaying the CCA logo is a mark of distinction and gives customers confidence that you operate to the highest standards.

Public relations

The CCA responds to print and broadcast media interest in the home credit industry, and handles press enquiries on behalf of individual members.

Regular discussion with other organisations

The CCA has established excellent relationships with politicians, government departments, local authorities, consumer groups and finance bodies.


The CCA ensures members' voices are heard and that their interests are protected regionally, nationally and in Europe.

CCA News

CCA News is our quarterly magazine which helps members and stakeholders keep in touch with industry news and issues.

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