1

1988• In November Mr. Paul Edwards from Information Trust Corporation (ITC)

now TransUnion, hosted the first Steering Committee meeting to discuss the establishment of the Association at the Mmabatho Sun

1989 • In January the Steering Committee met at Edgar’s Head Office in Edgardale. Their first task was to prepare the Association to begin operation on a formal basis and to employ the services of a Director

• On the 18th of April the inaugural General Meeting of the CCA was held

• Sir George Coppin was appointed as the first Executive Director of our Association, he worked three days a week and served until 1994

• Mr R Maydon appointed as the Chairman and served until 1991

• The first Manco comprised 6 members from the retail sector: Amrel, Beares, Edgars, OK Bazaars, Sales House, Truworths

1989

1989• The annual budget was R150 000• Founding members paid R9 000 annual membership fee payable at the AGM by

cheque • Our Twelve Founding members consisted of 10 Retailers and 2 Credit Bureaus (ITC

and Kredit Inform)• Within the first year, 5 Affiliates Members joined the Association, these members

could include parties who did not contribute data and could not vote

• Non contributors would pay a premium for information access and contributors would be compensated. The greater the contribution to the database, the greater the discount

Our first Mission Statement:

“The Association is to become an authority on all consumer credit matters in South Africa, whose membership will be recognised for professionalism, integrity, responsibility and non-discrimination in the granting of credit

facilities.

An Association whose membership will adopt a positive consumer orientation, such that the needs of consumers, in the form of appropriate credit facilities, can be met. These facilities to be granted solely on the

basis of credit worthiness, and such consumers to be advised and educated with regard to their responsibilities in the usage of credit.

Members of the Association will not only seek, to ensure the ongoing prosperity of their businesses, but will strive for the higher interests of consumers and the further upliftment of economic activity in this country.”

1990

1990On the 3 April our 2nd AGM was held at Edgars Head Office in Edgardale Johannesburg

Members were required to bring a cheque to pay 50% of their annual 1990 membership fees which were:• Full Members R9 000• Associate Members R2 000• Affiliate Members R400

1991

Mr. Hugh Wroe-Street spotted on the CCA AGM attendance list for the first time

Mr. S Marais appointed Chairman followed by Mr. C van Heerden in the same year

• Membership pricing was reformulated based on turnover categories• R500m and below R500m were introduced

1992

The CCA logo designed and adopted

1992

• Mr. D Wishart appointed as Chairman

• Mr. Herb Schröder spotted on the AGM attendance list

• Mrs. Ansa Jordaan joins the CCA as the Office Administrator

1993

2 Million Records Shared

• Mr. Bradley Nurock appointed Chairman and served until 1996

• The CCA 500 Layout is designed and agreed to and data is shared electronically on the participating credit bureaus

1994

• Foschini and Truworths make the decision to share their full dataset (positive and negative)

• Mr. Frans Jordaan appointed as Executive Director and served until 1999

1995

• The CCA and the Furniture Traders Association purchase Furncredit House to accommodate our offices

• Membership fees changes for members with a turnover greater than R1bn, as a result of the merging of member’s companies

• No loading of any adverse status codes for debt below R50 was introduced and existing data deleted from the credit bureaus

• Nedcor Bank’s Card Division becomes the first bank to join the CCA

1996

• Mr. Eric Hackett appointed as Chairman• Other Banks join the CCA and start sharing limited data• The Joint Banks Credit Bureau (JBCB) is disbanded and data is moved to selected

credit bureaus

1997

• Mr. K van Wyk de Vries appointed as Chairman• The Micro Finance Regulatory Council (MFRC) established to regulate micro lenders

1998

• Mr Andre Gardiner appointed as Chairman, followed by• Mr Pieter Meiring who served until 2000

1999

• Mr. Dan Painter appointed as Executive Director and served until 2000• Banks start sharing their full datasets

2000

• Mr. B.R. (Dick) Behrens appointed as Chairman• In the early 2000’s a project commenced to migrate the CCA500 Data Specification

to that of the L700• The first insurance companies join the CCA

• Mr. Albert Elliot appointed as Executive Director and served until 2008

• ITC and Experian appointed to host the National Loans Register (NLR) dataset

2002

• FAIS Ombud established• Saambou collapses

• ITC changes its name to TransUnion ITC

2004

• Data reciprocity agreement reached between the CCA and MFRC on NLR data

• The Credit Information Ombud is established and, the CCA accepts a seat on their council

2005

• Mr. Ian Wood appointed as Chairman and served until 2007

2006

• The National Credit Regulator (NCR) and National Credit Act (NCA) are instituted and MFRC ceases to exist

• The first data removal occurs

2007• Mr. Brett van Aswegen appointed as Chairman and he served until 2010• 21 June – CCA’s name changes to the Credit Providers Association (CPA)

2008

• Mr. Gavin Long appointed as Executive Director and served until 2012• The National Debt Mediation Association (NDMA) is established• The “Credit Bubble” results in extensive credit granting• The CPA Offices move to Bryanston

2009

• Credit Bureau Association (CBA) / CPA Service Level Agreement (SLA) signed

34.7 Million Records Shared

2009

• The CPA was appointed as the secretariat and the data manager of the NLR dataset in support of the NLR Manco as established by the NCR

• 6,5 Million Records on the NLR dataset

• Ms. Carike Gerber appointed as as the NLR Data Administrator

• The CPA Manco select BCX as vendor for DTH

• The Micro Finance Association of SA (MFSA) become a CPA member

• CPA Members vote in favour of the Data Transmission Hub• Compuscan appointed as the third NLR Host• National Treasury calls for collective business information sharing

• The Credit Bureau Association (CBA) / CPA Memorandum of Understanding (MOU) signed for the DTH

36.5 Million Records Shared

2010

2011• Mr. John Linfield appointed as Chairman

• Project Evolution established

• Development of the Debt Counselling Rules System (DCRS) commences• Development of the Central Data Switch (CDS) agreed, to act as hub for all Debt

Review applications

• The CPA Website launched• Our first Annual Report published

• 300th CPA Supplier Reference Number (SRN) is issued• QlikView (DQM) is launched

• The BusCRI Project is constituted

2012• Mr. Mark Seymour appointed as Chairman and served from 2012 to 2014• Mrs. Hannalie Crous appointed as the first female Vice Chairperson of the

Association

• Mrs. Darrell Beghin appointed as the first female Executive Director of the Association

• Mr. Hendrik Heyns becomes the first voluntary member voted in as a Manco Office Bearer in the capacity of Treasurer

• XDS appointed as the fourth NLR Host• The CPA Constitution amended• The Debt Review Advisory Council established with the NCR

• First live file submitted through the DTH• The Data Master Application Conceptualised2013

• The CPA Supports SADC Credit Information Sharing• Blue Financial Services ceases to trade in South Africa

• The CPA Offices move to Midrand

2014• The CPA Turns 25

• Consumer Profile Bureau (CPB) applies for SACRRA Membership

• Inoxico joins the BusCRI project

• The founding BusCRI Members commit to the project and sign the project agreement

• NCR Credit Industry Forum is established• 11,1 million records on the NLR dataset

• Capitec is the 1st CPA Member live in Project Evolution

59.8 Million Records Shared

2015

• Mr. Ian Wood appointed as Chairman

• The CPA’s name changes to SACRRA

• The Data Access and Masking Protocol and SOP are agreed to

• The Data Master Application (DMA) goes live

• The SACRRA Constitution is amended• BASA takes ownership of the DCRS

• SACRRA Members agree, via electronic vote, to the SACRRA Office negotiating a MOA with the NCR and CBA

60.6 Million Records Shared

2016

2016

• VeriCred Credit Bureau (VCCB) applies for SACRRA Membership

• Mrs. Louise le Kay appointed as 1st female Chairperson of the Association

• The SACRRA website is re-launched

• Mr. Thabo Hermanus appointed as Chairman, succeeded by Mrs. Louise le Kay when Thabo joined Compuscan

• Our Group Membership Category is changed to Affiliate-Led Groups (ALGs)

• Mrs. Ansa Jordaan celebrates her 25th anniversary with the Association

• Call Centre operation is undertaken to verify NCR Registrant details for on-boarding purposes

• NCR Assessments and onboarding commence for NCR categories 1 – 5

2017

56.6 Million Records Shared

2018• Mr. Mark Seymour appointed as Chairman

• Data Specification Matrix (DSM) development is completed and piloted• NCR Assessments and onboarding continue

• Ms. Carike Gerber celebrates her 10th anniversary with the Association

• NCR Assessments and onboarding continue• Truworths and Edcon serve 30 years as representatives on the Manco

2019