Become A Member

our philosophy

The Consumer Credit Trade Association (CCTA) is one of the oldest trade associations in the UK. Established in 1891, we have a long and influential history. We strive to guide our members through industry changes, offering uncompromising practical help.

We work constructively with policymakers, regulators, and Government. The association seeks to shape a single voice representing our industry on the wide range of issues it faces and ensuring responsible access to credit for all.

We provide insight and expertise from our stakeholder engagement and an extensive network of lenders and associates, sharing experience, knowledge and the vision of a balanced, transparent, and thriving arena. We are passionate about our industry and welcome like-minded businesses.

If you share our philosophy and would like to join us, all the information you will need can be found below. If you would like to talk things through, call us on +44 (0) 1274 714959 CONTACT US DIRECT +

Facts

ANNUAL

CCTA
conference
THREE

MEMBER SUMMITS
EACH YEAR
EIGHT

PUBLICATIONS
EACH YEAR
WEEKLY

CEO & INDUSTRY
UPDATES
0+

years shaping
the credit industry

Services

BENEFIT	NON MEMBERS	CCTA MEMBERS
advice line + Advice Line We are on hand to help find an answer to any credit related queries members may have. By completing the advice line request form in the member only area of the website, invaluable guidance is never far away. We respond by email or phone as soon as possible. Whether chasing a speedy answer to a ‘quick question’, or looking for a more in depth solution to a problem, CCTA membership provides an invaluable service.
complaint & conciliation service + Complaint & Conciliation Service At CCTA we operate a free complaint conciliation service, an effective way of dealing promptly, sympathetically, and fairly with potential problems. We aim to offer reassurance to the public that all companies allied to us, trade with integrity or risk expulsion from the association. We are committed to campaigning for best practice in lending, and work continually to raise the standards and increase the visibility and credibility of our industry.
advocacy + Advocacy Our modern-day objective is to support the development of a sustainable, effective, and well regulated alternative lending market. We strive to provide responsible access to credit for all. We work with policymakers, regulators, government and stakeholders, such as debt advice charities and other trade associations, to engage in the debate. CCTA seeks to shape a single voice representing our industry on the wide range of issues it faces.
insight + Insight CCTA aims to be a source of useful insight for members, providing them with information from stakeholder engagement. We are both a central hub of knowledge and a sounding board. This insight helps ensure members have the information they need to plan, innovate, grow and make better decisions.
stakeholder engagement + Stakeholder Engagement Developing and maintaining relationships with external stakeholders is an essential part of our work. On the political side, HM Treasury, the Treasury Select Committee, APPGs and parliamentarians all play a role in the structure and regulation of the sector. We engage with the debt advice arena, think tanks and academics on publications and research that may be relevant to our membership and the issues it faces. Alongside this we work with the media, to speak on behalf of the alternative lending sector and challenge misconceptions. These engagements inform our work.
network + A Strong Network of Lenders CCTA aims to create a vibrant network of lenders, for the benefit of members. This allows businesses to learn from each other and share experiences under the umbrella of the trade association. CCTA is also able to aggregate information from firms, in a way that is appropriate in terms of competition rules.
hard copy agreements & docs + Hard Copy Agreements & Statutory Documents We offer a wide range of generic, ready to use, fully compliant credit agreements designed to suit your business. These documents are covered by CCTA liability insurance, and come with free delivery. Members can purchase hard copy documents with a 30% discount. Electronic versions are available exclusively to CCTA members, for a one off copyright fee and annual renewal.	Standard Prices	30% Discount
electronic agreements & docs+ Electronic Agreements & Statutory Documents This service is only available to our members and is an effective way of safeguarding against costly solicitor fees. Once you have purchased copyright, you will be able to embed the electronic format of our credit agreements into your computer system, giving you unlimited access to the document and eliminating the need to stock hard copy agreements. Electronic agreements are covered by a CCTA Copyright Licence and are automatically updated free of charge if legislation changes.
supplier database + Supplier Database Our supplier database allows you to compare and contact a wide range of suppliers who specialise in consumer credit industry matters. The database includes: solicitors, consultants, legal advisors, debt collection/tracing services, credit reference/scoring agencies, software developers/system suppliers and other professional services.
member database + Member Database Running any business can be an isolating experience, and consequently in addition to our meet and greet opportunities, we open our database to all members. They can search for a particular company, or by category. The database provides a handy ‘in-house’ facility for any member wanting to contact like-minded individuals.

Downloads

BENEFIT	NON MEMBERS	CCTA MEMBERS
resources + Resources The 'Resources page in the Member Hub contains downloadable materials such as CCTA publications, important member communications and presentations from CCTA events.
CCTA logos + CCTA logos Our brand has evolved to reflect our corporate ethos and contemporary attitude. Membership brings with it the benefit of our reputation, and the option to use our easily recognised and highly regarded brand.
APR calculator + APR calculator software In conjunction with CCTA, Oyster Bay Systems are pleased to offer association members Flex_Master and ERS (EuroSet Reference Standard) free of charge. Flex_Master and ERS are user friendly desktop tools delivering calculations which are regulated by the European Consumer Credit Directive (ECCD). In the United Kingdom, the influence of the ECCD is embodied within amendments to the Consumer Credit Act, the legislation is far reaching in many areas, and these calculators are specifically aimed at providing fully compliant APR's and early settlement figures.
early settlement calculator + Early settlement calculator software In conjunction with CCTA, Oyster Bay Systems are pleased to offer association members Flex_Master and ERS (EuroSet Reference Standard) free of charge. Flex_Master and ERS are user friendly desktop tools delivering calculations which are regulated by the European Consumer Credit Directive (ECCD). In the United Kingdom, the influence of the ECCD is embodied within amendments to the Consumer Credit Act, the legislation is far reaching in many areas, and these calculators are specifically aimed at providing fully compliant APR's and early settlement figures.

Communications

BENEFIT	NON MEMBERS	CCTA MEMBERS
CCTA Magazine + CCTA Magazine + Our online magazine evolves in response to the industry around it. Each issue is hosted on our website and supported by a fully linked mail shot, which goes out to our complete database. We aim to produce three publications a year, but as we are led by current issues, our schedule is responsive. Members are encouraged to get involved. Our website hub contains a back library dating from 2009, should members need to catch up.
CCTA Inform + CCTA Inform + Each week we search for details of industry related judgements, guidance and announcements. We send regular updates exclusively to our members, keeping them in the picture, and providing a full reference back catalogue dating from 2010.
CEO update + CEO Update Our email communications are tailored by you, to ensure you only receive the information you want. You can change your preferences at any time, opting to be included in our distribution lists by both ‘subjects of interest’ or ‘specific publications’. Our regular mail shots include: WEEKLY CEO UPDATE member only A catch up on the immediate issues facing our industry, highlighting the CCTA activity and viewpoint.
weekly news + Weekly News Our email communications are tailored by you, to ensure you only receive the information you want. You can change your preferences at any time, opting to be included in our distribution lists by both ‘subjects of interest’ or ‘specific publications’. WEEKLY NEWS UPDATE member only Our weekly news provide a synopsis of regulatory updates, ‘read worthy’ articles, industry statistics, upcoming events and much more.
alerts + Alerts Our email communications are tailored by you, to ensure you only receive the information you want. You can change your preferences at any time, opting to be included in our distribution lists by both ‘subjects of interest’ or ‘specific publications’ ALERTS member only These alerts cover extraordinary industry events or publications that members need to know about quickly, and often require action. They are designed to highlight issues that may need urgent member attention.
for information + For Information Our email communications are tailored by you, to ensure you only receive the information you want. You can change your preferences at any time, opting to be included in our distribution lists by both ‘subjects of interest’ or ‘specific publications’ FOR INFORMATION member only Our ‘for information’ emails provide detailed briefings on industry developments and changes that members should be aware of.
for response + For response Our email communications are tailored by you, to ensure you only receive the information you want. You can change your preferences at any time, opting to be included in our distribution lists by both ‘subjects of interest’ or ‘specific publications’ FOR RESPONSE member only These emails provide members with the chance to have a say in CCTA replies to proposed regulatory and policy changes. Regulators, government officials, charities and the media sometimes request information from us about particular issues. We use these emails to ask members if they can help out.
communications archive + Communications Archive Our communications archive contains all communications that are sent to members via email. The archive includes filters to help you find anything that may have got buried in your Inbox.

Events

BENEFIT	NON MEMBERS	CCTA MEMBERS
summits + Summits Our summits provide members with insight on specific topics, often from external organisations. They offer an open debate forum with formal presentations, Q&A sessions, and include legal and regulatory updates. The events can take place online or face-to-face, and are promoted through a series of direct mail shots. As we are led by current issues, our summit schedule is responsive.
roundtables + Roundtables The bespoke remit of CCTA membership extends to all aspects of our work. We have regular meetings with individual groups to exchange views and experiences. An invitation to be involved depends on the range of company products, and the ‘subjects of interest’ specified on the membership application form. ROUNDTABLES by invitation Limited roundtable numbers ensure all participants can join in the ‘lively debate’ that is the core of these get togethers. These meetings inform CCTA policy and regulatory and political engagement.
workshops + Workshops The bespoke remit of CCTA membership extends to all aspects of our work. We have regular meetings with individual groups to exchange views and experiences. An invitation to be involved depends on the range of company products, and the ‘subjects of interest’ specified on the membership application form. Workshops offer a more informative forum, and are likely to contain guest experts and Q & A sessions alongside open discussion.
annual conference + Annual Conference Our conference is a recognised industry ‘date for the diary’, and membership brings with it generous discounts. Our 2023 event is taking place at Raddison Blu Manchester Airport on Wednesday 20th September. Our networking dinner for members will be held the night before. In a relaxed and friendly atmosphere, this event delivers an impressive line-up of regulatory and industry speakers and a comprehensive mix of delegates and exhibitors.		member discount
training + Training We recognise the need to respond to changes in regulation and requirements of the credit industry. Wherever there is a threat to our members of a potential specialist knowledge gap, we seek to fill it. Our training can take an online or face-to-face format, and is organised and advertised in response to immediate need. Members receive full information regarding all relevant events, as they are available.
event diary + Event Diary This ‘full year’ webpage is a handy reference, not only for CCTA events, but for upcoming conferences, webinars etc of interest throughout the industry.