Creditor Membership

For businesses or individuals who work for a company that only contacts consumers regarding debt their company originated or owned before it was in default.

The credit professional’s source for credit and collection trends, information, training, networking opportunities and more. ACA International recognizes credit professionals share much with the collection industry while also having unique needs. ACA gives these individuals a place to further their interests and shape the credit industry. 

If you are eligible for this division, you will find it is a flexible membership suited to your needs—you may join individually or add additional members by joining as an organization. For example, the first level of attorney-organization membership covers up to 24 attorneys working for the same firm, regardless of location.

Whether you join as an individual or an organization, this membership is for those in first-party debt collection and credit management, holding positions such as chief financial officer, credit specialists, managers, lenders, credit union executives, risk managers and other positions on the front end of the credit cycle.

Payment Vision

Membership Benefits

ACA is where creditors and collections intersect!

ACA International creditor membership 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.

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 ACA 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 online seminars and on-demand web courses.  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 magazine keeps you current. Members receive one bimonthly printed subscription.

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. 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. 

Connect with Colleagues Through the Online Creditor Community
Tap into the knowledge of other creditors using the  discussion groups on The Hub to post questions and comments on topics that concern you. Learn more at

ACA’s Annual Convention & Exposition
The premier industry event for more than 80 years, ACA’s Annual Convention brings together more than 1,000 individuals from companies around the world.

Strategic Relationships to Cut Costs
Members benefit from substantially discounted pricing with several reputable companies through Alliance ACA negotiated agreements. 

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. 

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.

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 Education Foundation
This nonprofit, public education foundation is dedicated to operating a scholarship program and other activities of value to the credit and collection industry as a whole.

Alliance ACA
Alliance ACA
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Membership Dues & Fees

Membership LevelMembership FeesTotal
Individual MembershipDues = $325 + IAF** = $100$425
Tier 1 (2–24)Dues = $651 + IAF** = $200$851
Tier 2 (25–99)Dues = $1,844 + IAP** = $450$2,294
Tier 3 (100+)Dues = $3,797 + IAF** = $900$4,697

 **The Industry Advancement Fund assessment is paid by all members. The industry-favorable laws and precedent-setting court decisions ACA obtains through the IAF in the U.S. impact, in turn, global credit and collection trends and laws, and help protect the long-term viability of the industry. 

Additional Resources