The Australasian Retail Credit Association is a forum for senior credit executives from lending organisations and credit reporting agencies in Australia and New Zealand to discuss and examine retail credit issues.

Its aim is to develop and promote policies for the betterment of the retail credit industry. It works to ensure that the retail credit industry’s views are put forward when governments determine policy or legislation that impacts the retail credit system.

Its aim is also to promote responsible lending and establish a benchmark for best practice in consumer credit management through reciprocal sharing and use of information and data.

The primary objective of ARCA is to develop industry codes and standards in relation to the use of information across the retail credit industry.

ARCA actively seeks to work with other stakeholders in the retail credit industry including industry associations, governments, consumer advocates and privacy groups.