Our codes underpin our reputation in the industry and the consumer arena, they offer reassurance to the public and regulators alike, that all companies allied to CCTA trade with integrity. Each year our members are obliged to sign a Code of Practice Compliance Confirmation, indicating their agreement to abide by all codes relevant to their business. If during the course of the year they extend or change their lending facilities, they must update their compliance confirmation accordingly. Members who fail to comply with all codes relevant to their business, risk expulsion from the association.