Member Benefits for Creditors

ACA is where creditors and collections intersect!

ACA International creditor membership, for individuals who are employed by a lender or credit grantor, helps you keep your business and career healthy and stay on top of industry changes as they occur.

Creditor members have open access to many free resources as well as the unique opportunity to purchase other products and services at rates significantly less than those charged to the public. Read on to learn some of the many ways to put your membership to work for you.

Knowledge Resources

Access compliance information quickly
Save time and money by accessing the largest variety of compliance resources for the credit and collection industry. ACA’s services help you navigate changing federal and state legislation and regulations. New or updated documents are added to the online SearchPoint database almost weekly. If you can’t find what you’re looking for, an ACA compliance officer is available by email to assist you.

Training Tools
Increase your collection results using ACA's Essential Collection Skills & Techniques online seminar or a self-paced web course. Then test your ability to complete successful conversations using ACA's collector simulation course, Connect to Collect. Stay in compliance while keeping up on the latest case law with ACA's guides on the FDCPA, FCRA, TCPA and other crucial topics.

Collector magazine
With articles on the latest business operation techniques, industry trends, regulations and legislation, as well as association initiatives, Collector keeps you current. Members receive one monthly printed subscription.

Professional Development and Networking

Advance Your Career with a Professional Designation
Demonstrate your ability to collect effectively and in compliance with the law by earning ACA’s Professional Collection Specialist (PCS) certificate. Or, take your compliance program to the next level with ACA’s Credit & Collection Compliance Officer (CCCO) designation. Advanced collection professionals may also pursue ACA’s Trainer Specialist designation. Print your ACA education and member certificates at My ACA / Profile / certificates.

Connect with colleagues through the online creditor community
Tap into the knowledge of other creditors using the Credit Management and First-Party Collection discussion group on The Hub to post questions and comments on topics that concern you. Learn more at

ACA Annual Convention & Exposition
The premier industry event for more than 75 years, ACA’s Annual Convention brings together more than 1,000 individuals from companies around the world.

Business Resources

Strategic Relationships to Cut Costs
Members benefit from substantially discounted pricing with several reputable companies through Alliance ACA negotiated agreements. Services offered include background screening; disaster recovery assistance; package shipping; and telecommunications, data and mobility services.

ACA Online Member Directory
This great resource lists most ACA members. Identify member companies to help recover your charged off accounts, locate fellow individual creditor members or find a vendor affiliate member offering the industry products or services you need. (Tip: Log in before using the directory to see other members’ email addresses, which are not displayed to the public.)

ACA Store
Stay on the cutting edge of the ARM industry using the helpful training products, compliance resources, publications, recordings and electronic subscriptions available for purchase through the ACA Store. You’ll also find discounts on business envelopes and advertising calendars to boost your company’s marketing efforts.

A Unified Voice

Protect your interests on Capitol Hill
With its federal government affairs office and full-time staff in Washington, D.C., ACA advocates for you on Capitol Hill every day. The association lobbies, educates and promotes the essential role played by its members. ACA keeps abreast of pending federal and state legislation and regulations affecting your ability to effectively conduct business.

Telling Our Shared Story
Our industry recovers billions of dollars in debt that would otherwise be lost, protecting jobs and access to credit for businesses and consumers. As the voice of the industry, ACA carries this message of value to business leaders, consumer advocates and policymakers. Through media interviews, presenting a positive image of the industry and responding to inaccurate media coverage, ACA strives to set the record straight and build appreciation for credit and collection professionals’ valuable contributions.

ACA Code of Conduct
ACA has a powerful community of members committed to doing business ethically and taking the expectations of creditor clients and the public seriously. As a condition of association membership, all members agree to abide by ACA International’s Code of Conduct.

ACA International Educational Foundation
The ACA International Education Foundation is a nonprofit, public educational foundation dedicated to increasing financial literacy in the U.S. and to supporting research, job training and education.

Apply now!

Questions? Contact Member Services via or by calling (800) 269-1607 and press zero.

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