Australian Credit Reporting Data Standard (ACRDS)


Issue Date
Data Standard 1.0 Release 3 11 December 2015
Report Schema 1.02 11 December 2015
Response Schema 1.02 11 December 2015


The most recent version of the Data Standard and the data exchange schemas were issued in December 2015, but became fully operational across Australia's Credit Reporting Bodies (CRBs) in April 2016. The earlier release of the Data Standard - version 1.0 release 2 - remains concurrently operational.



The Australian Retail Credit Association (ARCA) aims to promote responsible lending and establish a benchmark for best practice in consumer credit management through reciprocal sharing and use of this credit information and data. ARCA’s primary objective is to develop industry codes and standards in relation to the use of information across the retail credit industry. 


In continuing to uphold these objectives, the ARCA Data Standards Work Group has developed the Australian Credit Reporting Data Standard and Schema which will be available to credit providers and credit reporting bodies upon request. This document details the requirements for reporting credit accounts, and events relating to those accounts, between Credit Providers and Credit Reporting Bodies in Australia.



Once you have registered to receive the Australian Credit Reporting Data Standard and Schema, your details will be retained to ensure we can notify you of future updates and versions. If you do not wish your details to be retained for change notifications, please email


Should you have any questions or require assistance, please contact ARCA via email at Also, the Credit Reporting Body/ies you obtain products and services from will be able to assist with specific data exchange queries.


Frequently Asked QuestionS

The FAQ section formerly included in the ACRDS can now be obtained as a separate document here.

Please check this first for any questions you have about the Data Standard.


Request a copy

To request a copy of the Australian Credit Reporting Data Standard and Schema, complete your details below.



Credit Reporting Bodies and Credit Providers operating in the Australian market are subject to the provisions of the Australian Federal Privacy Act, which regulates the system of credit reporting. 


Under changes to the Privacy Act in 2012, more comprehensive credit reporting will enable the collection and reporting of details of consumer credit accounts and re-repayment history information.  This is in addition to the ‘negative’ (i.e. default and adverse data) and loan application enquiry data that is currently able to be collected and reported. 


The Australian Credit Data Reporting Requirements document and schema has been developed by ARCA Members to define the requirements for reporting of credit data between Credit Providers and Credit Reporting Bodies.


This document does not contain legal or compliance advice. Legal and compliance advice should be obtained by each respective signatory to address their respective legal obligations.


If you’d like further information on the background to the Australian Credit Reporting Data Standards, please click on the link below.


Background To Data Standards