Our Role

The Australian Retail Credit Association (ARCA) is driven by the mandate to make credit work for all Australians.

We work with our Members and key stakeholders in a respectful, knowledgeable and collaborative way to understand and improve credit in Australia. We aim to make credit visible, accessible and understood.

We are the peak industry association for organisations involved in the disclosure, exchange and application of data for credit management in Australia.

ARCA is the only industry association whose sole focus is on consumer credit - with expertise across the regulatory and operational environment.

Our Members account for 95% of consumer lending in Australia and include the 14 largest banks, mutual banks, large consumer finance companies, specialist motor vehicle finance companies, fintechs, and credit reporting bodies (CRBs).

We support Members through creating and managing “fit for purpose” and compliant industry rules and standards, and work with all Members and other key stakeholders to provide thought leadership, develop co-ordinated industry positions and lead advocacy efforts on key issues impacting Members.

Governance

ARCA is a not-for-profit company, limited by guarantee.

ARCA Constitution

ARCA’s constitution, last amended in November 2021, sets out ARCA’s objects and information about how both Members and Directors participate in ARCA. View here.