ACTIVITY

• Supporting development of a well-regulated alternative lending market

  our mission

  
  

  Our mission is to support a sustainable, fair, and well-regulated lending market – one where consumers can access credit responsibly and businesses can operate with confidence. We promote the vital role credit plays in people’s lives and in helping the broader economy. This includes challenging policies that could harm access or create unintended consequences.

  
• We develop and maintain relationships with regulatory stakeholders

  regulatory liasion

  
  

  We work closely with key regulators, including the Financial Conduct Authority and the Financial Ombudsman Service, to ensure that the views and experiences of our members shape industry policy. Whether it is highlighting the unintended impact of new rules or pushing for greater clarity, we make sure your voice is heard.

  We also maintain strong and constructive links with HM Treasury, helping to ensure that the future of consumer credit regulation reflects real-world lending and consumer needs. Our engagement means that smaller lenders remain part of the conversation, not just affected by it.

  By staying at the table, we influence decisions before they are made and fight for proportionate, practical regulation that works for both lenders and consumers.

  
• We engage with the debt advice arena, think tanks and academics

  stakeholder engagement

  
  

  We build relationships across the sector, including advice organisations, academics, think tanks, consumer groups, and other stakeholders. We share insights, explore challenges, and promote a more balanced understanding of the credit industry. These partnerships help shape informed debate and foster practical solutions for both lenders and consumers.

  We speak up in the media to challenge outdated assumptions, correct misconceptions, and represent the realities faced by our members. We also engage directly with Parliament, through the Treasury Select Committee and key MPs, to raise issues that matter and push for proportionate, effective regulation.

  By working collaboratively and staying visible in national conversations, we make sure the voice of smaller lenders is part of the bigger picture.

  
• The CCTA aims to be a source of useful insight for members

  delivering insight

  
  

  We act as a knowledge hub – bringing together intelligence from across the industry, regulators, and government to help members make better-informed decisions. Through our briefings, reports, and real-time updates, we translate complexity into practical insight.

  Members use our intelligence to stay ahead of regulatory change, reduce compliance risk, and make confident, forward-looking business decisions in a rapidly evolving market. Whether responding to new FCA expectations or preparing for future reforms, our insight helps members act, not just react.

  It is not just about information – it is about clarity, relevance, and strategic value.

  
• The CCTA is developing a vibrant network of lenders

  a strong network

  
  

  Our member network offers a space for lenders to connect, exchange ideas, and learn from one another. Whether you are facing a shared challenge or looking for a fresh perspective, there is real value in hearing how others in the sector are responding.

  Through regular events and member forums – both online and in person – we create opportunities for open discussion and collaboration, while always respecting competition law and confidentiality. These peer conversations often lead to practical insights, useful contacts, and the reassurance that you’re not facing things alone.

  It is a network built on experience and shared ambition.

  
• Our council offers a broad working arena collective

  ccta council

  
  

  The CCTA Council brings together representatives from across the consumer credit sector to guide our strategic direction and advocacy priorities. Members include voices from different specialisms, ensuring the breadth of the industry is properly represented.

  The Council plays a crucial role in ensuring that regulations work in practice, not just on paper. By drawing on real-world insight from across the market, they help us shape policies that are grounded, proportionate, and effective. Their experience ensures that CCTA speaks with both authority and authenticity.

  It is member-driven leadership, putting your challenges at the heart of everything we do.

  

SERVICES

• The CCTA provides guidance on a range of issues facing your business

  advice line

  
  

  Our Advice Line offers members practical, informal guidance on navigating FCA requirements, interpreting regulatory expectations, and learning how others in the industry have tackled similar challenges. It is a confidential space to test your thinking, sense-check decisions, and gain clarity before taking action.

  For more complex legal or technical issues, we will refer you to one of our trusted associate members – specialists in consumer credit who can provide detailed advice.

  Whether it’s a quick question or something more complex, we are here to help you move forward with confidence.

  
• We offer a range of hard copy agreements and statutory documents

  hard copy agreements

  

  standard prices

  

  30% discount

  Our printed credit agreements and statutory documents are designed to provide you with confidence that your paperwork meets the legal and regulatory standards. Drafted in line with the Consumer Credit Act 1974 (where applicable) and regularly reviewed for compliance, our documents cover a wide range of lending scenarios – from straightforward loans to more specialised arrangements.

  Hardcopy agreements are ideal for firms that need clear, compliant documentation without the time and cost of developing materials from scratch. Members benefit from discounted prices, with further savings available on bulk orders – making it a practical, cost-effective solution for everyday business.

  
• Our electronic agreements are only available to members

  electronic agreements

  
  

  Our electronic agreements are exclusive to CCTA members and designed for unlimited use – giving you a flexible, compliant solution you can rely on. Easily accessed through the Member Hub, they can be downloaded and embedded into your existing systems for fast, seamless implementation.

  We update all templates promptly in response to regulatory changes, ensuring your agreements stay current without extra effort. It is a cost-effective, time-saving way to meet compliance standards and support efficient lending operations.

  
• CCTA Academy is our online learning and development platform

  ccta academy

  

  standard prices

  

  50% discount

  CCTA Academy delivers online training in consumer credit compliance, with courses designed for staff and managers working across the sector. All content is built around the FCA’s expectations for staff competence and reflects the real challenges our members face in day-to-day operations.

  Our training is informed by discussions with regulators and direct feedback from members, ensuring every course is relevant, practical, and focused on what matters.

  Whether onboarding staff or refreshing senior managers, CCTA Academy helps build confident, compliant teams that can meet the demands of today’s regulatory environment.

  
• Check the database when you are considering external support

  associate database

  
  

  Our associate member database connects you with trusted providers, including legal, compliance, debt recovery, software, and consultancy services – each with experience in the consumer credit sector and a strong track record of working with CCTA members.

  Whether you need legal advice, system support, or help navigating regulatory change, the directory is a reliable starting point. It saves you time, reduces risk, and gives you access to professionals who understand the challenges lenders face.

  
• Browse our CCTA members by logging in to the Member Hub

  member database

  
  

  The member database in the Member Hub makes it easy to explore the full breadth of the CCTA community. Whether you’re looking to connect with similar firms, explore potential partnerships, or understand who’s active in the sector, the database is a valuable resource.

  Each listing includes business type, contact details, and website links – helping members network more effectively, share ideas, and stay connected across the industry. It is another way the Member Hub brings our membership to life.

  

EVENTS

• Member only events taking place in-person and online

  summits

  
  

  free to attend

  CCTA Summits tackle the most pressing issues facing the sector – from Consumer Duty and access to credit to emerging regulatory change. These free-to-attend events bring together expert speakers, interactive sessions, and practical insights, helping members stay informed, connected, and ready for what’s ahead.

  Guided by the evolving regulatory agenda, our Summits offer a chance to hear directly from key stakeholders – including regular contributions from the FCA, FOS, and HM Treasury. Held both online and in person, they serve as an essential space for discussion, learning, and industry collaboration.

  
• Our roundtables focus on industry specific issues

  roundtables

  
  

  free to attend

  CCTA Roundtables are where members engage in in-depth debate on real-world issues. Sometimes these will be for members in a particular sector, for example, we have been running a series of motor finance discussions. On other occasions, they will focus on a specific issue.

  They provide a platform for the sharing of insights from discussions with regulators. The discussions and comments from members help shape CCTA policy and engagement with regulators and Parliament.

  
• Our workshops focus on a particular subject matter

  workshops

  

  standard prices

  

  free to attend

  CCTA Workshops provide practical, in-depth guidance on key topics – led by subject matter experts and shaped by member priorities. Designed to create space for discussion and peer learning, they offer a valuable opportunity to explore challenges in more detail and apply insight to real-world scenarios.

  Our Workshops run both online and in person, ranging from short one-hour sessions to more focused half-day events. Some sessions may carry a delegate fee depending on format, speakers, and topic – but all are designed to deliver actionable knowledge you can take back to your team.

  
• Delivering an impressive line-up of regulatory and industry speakers

  conferences

  

  standard prices

  

  30% discount

  The CCTA Annual Conference is our flagship event. It brings together lenders, regulators, and industry leaders to explore the future of consumer credit. It is where policy meets practice and where the sector’s most pressing issues are debated and understood.

  With keynote speakers, expert panels, and lively discussions, the Conference is a must-attend event for insight, influence, and meaningful connections. In recent years, sessions have featured the FCA, FOS, and other leading voices. Covered topics include regulation, innovation, and access to credit.

  
• Our member dinner takes place the evening before the conference

  member dinner

  
  

  standard prices

  Held the evening before our Annual Conference, the CCTA Member Dinner brings together members, speakers, regulators, and guests from across the sector. It offers a valuable opportunity to connect informally, strengthen relationships, and exchange views ahead of a day of focused discussion and policy debate.

  More than just a tradition, the dinner plays an important role in fostering the conversations and collaborations that help shape our work throughout the year.

  
• Live Learning is available to CCTA Academy users

  live learning

  

  ccta academy required

  

  ccta academy required

  CCTA and its associate members run regular Live Learning sessions on current regulatory and industry topics. Giving learners the chance to stay up to date with the latest developments. These sessions are free to attend and open to all registered users of CCTA Academy.

  Designed to complement our core training, Live Learning helps ensure that learning and development continue beyond the completion of a course. It’s an easy way to deepen your knowledge, ask questions in real time, and stay connected to what’s happening across the sector.

  

COMMUNICATIONS

• CCTA Magazine is an industry-leading tri-annual publication

  ccta magazine

  
  

  CCTA Magazine brings together insight, analysis, and opinion from across the consumer credit industry. Featuring contributions from regulators, associate members, thought leaders, and the CCTA team, it explores the issues shaping lending – from regulatory change and legal developments to customer needs and sector trends.

  Each issue includes a dedicated legal section, along with commentary on policy and practice, designed to help members stay informed and prepared. Whether you’re looking for strategic perspective or sector-wide context, the magazine offers timely content you can rely on.

  
• CCTA Inform is our tri-annual regulatory newsletter for members

  ccta inform

  
  

  CCTA Inform is our tri-annual regulatory newsletter for members. It is designed to keep you in the loop with activity across the credit landscape as a whole.

  The publication includes details of legislation, regulatory updates and other announcements we think may be of interest to members. It is a quick and accessible way to stay informed and ensure you are aware of the latest issues.

  
• Our emails keep members informed on industry matters

  communications

  
  

  We send four types of email to our membership. These are:

  CCTA Update: This includes a thought leadership piece from our CEO, the latest industry news, upcoming events and details of activity by the CCTA team.

  Information: These emails are reserved for the latest developments in the industry and key messages to members.

  Events: Details of upcoming CCTA events, including speaker details and registration links.

  Publications: Member content in the form of magazines, newsletters, updates and guidance papers.

  
• Member communications are archived in the Member Hub

  member emails

  
  

  All member emails are archived in the Member Hub, making it easy to revisit key updates, briefings, and announcements whenever needed. The archive includes all emails sent since early 2021, providing a valuable reference point for regulatory changes, event invitations, and past insights.

  If you’re new to CCTA, it’s a great way to catch up on recent issues and see how we’ve been supporting members across the sector.

  

DOWNLOADS

• Members can download various resources from the Member Hub

  key issue resources

  
  

  The Member Hub gives you access to a wide range of resources, designed to keep you informed, compliant, and prepared. These include CCTA publications, guidance papers, event presentations, and regulatory updates.

  Whether you’re catching up on a recent event or looking for reference material to support decision-making, everything is in one place and ready to download when you need it.

  
• Members are welcome to display the CCTA logo on their website

  ccta logos

  
  

  Members are welcome to display the CCTA logo on their websites and promotional material, along with the membership number you will be allocated when you join.

  Our logo is available in several versions and various formats. They can be downloaded from the Member Hub.

  
• Aryza offer members free calculator software to members

  calculator software

  
  

  Aryza, one of our long-standing associates, offers members free, user-friendly desktop tools that deliver calculations regulated by rules derived from the European Consumer Credit Directive (ECCD) and subsequently implemented in UK regulation. The calculators are specifically aimed at providing fully compliant APR and early settlement figures.

  

EVENTS

• Speaker and sponsorship opportunities available to members

  summits

  
  

  Our Summits explore major regulatory and market developments – such as Consumer Duty, affordability, and access to credit – and are attended by lenders and brokers from across the sector. Associate members are welcome to attend, contribute ideas, and often have the opportunity to speak or join a panel.

  Open to all members, Summits offer a valuable platform to demonstrate expertise, understand member concerns, and build stronger relationships with firms.

  
• Share your expertise and thought leadership with our members

  workshops

  
  

  Our online Workshops offer a space for deep dives into specific topics. Associate members are encouraged to suggest themes or contribute to sessions.

  These events are attended by a cross-section of CCTA members, offering associates a practical route to share knowledge and connect solutions to real challenges faced by the lending community.

  
• Speaker and sponsorship opportunities available

  conferences

  
  

  priority & discounts

  The CCTA Annual Conference brings together lenders, regulators, and thought leaders to discuss the future of consumer credit. With over 140 professionals attending last year, it’s a key moment in the industry calendar.

  Associate members are eligible to attend the event and the exclusive pre-conference Member Dinner.

  A range of sponsorship and promotional packages are also available to help showcase associate brands, services, or thought leadership to a highly targeted audience.

  

MAGAZINE

• Share industry knowledge in article format

  feature articles

  
  

  We typically offer associate members the opportunity to submit one longer feature article each year. These are ideal for sharing specialist insight, trends, or timely topics relevant to lenders. Our editorial team works with associates to determine if a submission is a good fit for publication.

  
• Put pen to paper with 450 word articles in each issue

  member articles

  
  

  Associate members are welcome to submit short articles or insights for consideration. All content must be informative rather than promotional, but this is a great way to demonstrate expertise and raise awareness of work done to support lenders in a changing regulatory environment.

  
• List your company profile and contact information

  associate directory

  
  

  All associate members receive a free listing in every issue of CCTA Magazine. This includes company name, a 150-word profile, logo, and website link, making it easy for lenders to discover and connect with your business.

   

  

PROMOTION

• We are proud to promote associate member events

  event sharing

  
  

  We’re happy to help promote relevant events run by associate members. These can be shared in our weekly CCTA Update email and included in our online Events Diary, providing direct visibility with member firms.

  
• We can share associate member content via our blog pages

  blog posts

  
  

  Our new website allows us to publish blog content from associate members throughout the year. This is a great way to offer insight, raise profile, and remain part of the ongoing conversation with members. Get in touch to discuss potential topics and timing.

  
• Promote your products and services in the Member Hub

  associate database

  
  

  The Member Hub includes a database specifically for associate members. Listings include a company profile, logo, and website link – helping members find trusted providers who understand the consumer credit sector.

  
• Stay in the loop with the latest news

  industry insights

  
  

  In addition to CCTA Magazine, we also keep our members informed with:

  CCTA Update (weekly email): A direct line to this week’s industry news, regulatory updates, and upcoming events.

  CCTA Inform (tri-annual newsletter): A must-read for staying on top of regulatory updates, compliance changes, and industry developments. This is your safety net to ensure you don’t miss a significant development.

  

ADVOCACY

• Direct engagement with the FCA, FOS, and HM Treasury

  making your voice heard

  
  

  Our advocacy work ensures that regulation remains proportionate, practical, and fair so that consumer credit remains sustainable. Associate members are part of that mission. By staying close to the issues lenders care about, our associates can align their services and solutions to support compliance, innovation, and responsible lending.

  
• Working on the issues that matter most to our members

  influencing policy changes

  
  

  From the future of credit regulation to Consumer Duty, we work on the issues that matter most to our industry. We are always interested in hearing different views and tapping into different experiences.

  
• Supporting access to responsible credit

  access to responsible cedit

  
  

  We challenge unfair restrictions and campaign for policies that support a sustainable lending market.