We ensure the confidentiality, accuracy, relevancy, and use of data in accordance with international best practice and the relevant South African legislation, including the National Credit Act. The CBA seeks to support a sustainable and well-functioning credit reporting system and to represent the interests of the credit bureau industry in South Africa.

The CBA is mandated is to provide a framework for a sustainable and well-functioning credit information system, by facilitating fair practice within the credit bureau industry and by promoting transparency, accountability, high quality credit reporting and sound business practices.

There are three primary classes of members within the Credit Bureau Association:

To be an Associate or Reseller member:

An entity must be registered as a credit bureau in terms of section 43 of the National Credit Act (NCA) and must have access to a database of consumer credit information as defined by section 70(1) of the National Credit Act (NCA) provided by a full member credit bureau, enabling it to on-sell consumer credit information for permitted purposes.

To be an Intermediate member:

An entity must be registered as a credit bureau in terms of section 43 of the NCA and carry on business that accords with the functions of a credit bureau in terms of section 70(2) of the National Credit Act (NCA) as well as collect bespoke adverse information.

The entity will not be authorised by the National Credit Regulator to receive and host consumer credit information via the data transmission hub prescribed by the National Credit Regulator

To be a full member:

An entity must be registered as a credit bureau in terms of section 43 of the National Credit Act, 2005 and carry on a business that accords with the functions of a credit bureau in terms of section 70 (2) of the National Credit Act. The entity must be authorised in writing by the National Credit Regulator (NCR) to receive and host consumer credit information via the data transmission hub which is prescribed by the National Credit Regulator (NCR) and must be a member of the South African Credit and Risk Reporting Association (SACRRA).