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Google Ad Ban A Fresh Blow To Payday Lenders

The world’s largest search engine, Google this week implemented a global ban on advertisements for loans with durations of less than 60 days

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Google Doomsday For Payday Lenders

Google is in the process of imposing a global ban on "payday" loans which some believe will stifle the small amount loan industry in Australia

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CEO Warns Of Recent Fraudulent Activity By Scammers Seeking Loans

CEO has warned all Members about recent fraudulent activity by some "customers" seeking loans from other Members. This appears to be

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NCPA Response To Review Of The Small Amount Credit Contracts Laws Final Report

NCPA has submitted its Response to the Legislative Review Panel Final Report (dated March 2016). Download the full submission from this page

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Statement of Repsonse By NCPA To Google Announcement

Phil Johns, CEO, NCPA has issued a statement of response to today's announcement by Google of banning 'payday' lenders from advertising in Google…

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AGM Welcomes New Board Members

The AGM is an important event for the NCPA and this year two new people were elected to the Board and three people were farewelled

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NCPA Industry Conference A Huge Success!

Friday 6th May was the date of the very successful NCPA Industry Conference in Sydney. Non-bank ACL Licence holders from across Australia recently…

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Lenders Say Caps Could Put Some Out Of Business

A report released yesterday on the Government review of SACC lending contains recommendations which NCPA says will put some lenders out of business

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NCPA Member Summary of the Review Of SACC Laws

NCPA has issued a Member-only Summary of the Review Of The Small Amount Credit Contract Laws

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NCPA Issues Holding Statement In Response To Tabling Of Report Into SACC Review

NCPA the peak industry body representing the small loans industry, whose members are lenders providing SACCs, will shortly make comment, after…

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CEO Advises Tabling Of Report After Review Into Small Loans

CEO, Phil Johns, has advised NCPA Members of the tabling of the final report on the Government Review of Small Amount Credit Contracts (SACCs)

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Non-bank Lenders Are In A Black Hole

CEO of NCPA has stated that non-bank lenders are in a 'black hole' when it comes to interpreting legislation to the satisfaction of corporate…

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CEO Warns Members About Significance of ASIC Investigation Of Westpac

Although this action by ASIC is related to secured loans, none-the-less it highlights the importance of ensuring your

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CEO Calls For Nominations Of Directors At AGM

CEO, Phil Johns, Calls For Nominations Of Directors At AGM

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Recent Banking Hoax A Warning

A recent news article of a Queensland tradesman having many millions in the bank has turned out to be a hoax but should serve as a warning

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Choice Magazine Reports On ASIC EU With Nimble

Choice Magazine Reports On ASIC EU With Nimble and asserts Nimble targets young people with repeat high interest loans

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Issues Under Debate After ASIC Action Against Nimble

A recent article highlights issues under debate after ASIC action against Nimble. The corporate watchdog said it found “significant deficiencies”…

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NCPA Comments On ASIC Action Against Nimble

In an article by ABC News on the recent ASIC action against small loans provider Nimble, NCPA CEO Phil Johns made comment from an industry-wide…

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NCPA Fires Warning Shot to Industry After ASIC Action Against Nimble

CEO of the National Credit Providers Association has fired a warning shot to his industry after small loans lender Nimble Australia was forced

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ASIC Finds Nimble Assessment Algorithms Not Adequate

Small loans lender Nimble has been investigated by ASIC which found that Nimble did not carry out adequate responsible lending assessments on…

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NCPA Logo Set Updated

NCPA's logo set has recently been updated

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Lessons Learned From An ASIC Review

NCPA Chairman, Paul Walshe, has reported on the valuable lessons he learned after undergoing a recent ASIC review

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NCPA Public Relations Team Nominated For National Award

NCPA has invested a significant amount of time, energy and member funds in Public Relations to commence to re-position and transform the small…

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AUSTRAC Reminds Members About Compliance Report

AUSTRAC has reminded members that all reporting entities who offered designated services during any part of 2015 (1 Jan 2015 – 31 Dec 2015) are…

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CEO Reports On Changes Needed To Warning Notices

A short time ago NCPA was notified by ASIC that they had made a Class Order to overcome the difficulty which has been created by the disconnection…

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New Consumer Information On NCPA Website

New consumer information on credit reports and bankruptcy now on NCPA website. CEO urges all Members to direct staff and consumers to this information

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Submission On Change To Electronic Transactions Regulations

NCPA has prepared a Submission on proposed change to Electronic Transactions Regulations Act And Regulations. As you are aware, the ability…

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Submission To ASIC On Potential Changes To Electronic Transactions Regulations

Response submitted to ASIC on potential changes to the Electronic Transactions Regulations 2000 that could make it easier for credit licensees…

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SACC Review Report Has Been Received By Minister

NCPA has received official notification that the SACC Review Report has been received by the Minister...

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CEO Flags Extremely Important Topic At AGM

During this year’s information sessions after our AGM, the single most important topic ever presented to members will be discussed at length.…

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NCPA Will Soon Commence Review Of Current PI Insurance Policies

Continuing from a Member Update of 15th February 2016, NCPA will shortly commence a review of the current PI Insurance policies to compare against…

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Members Warned To Take Care Preparing Annual Compliance Certificates

A recent decision of the Administrative Appeals Tribunal reinforces warnings that care must be taken when filing Annual Compliance Certificates…

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CEO Reminds Members That SACC Review Panel Report Is Due Today

CEO reminds Members that the SACC review panel is scheduled to present to the Minister their reports on SACC legislation, including recommendations,…

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Hidden Debt That No One Is Talking About

The Age has published a recent article concerning the high levels of what they call 'hidden debt' within Australian society. The Age discusses…

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Proposed Serious Data Breach Notification Bill Moves Forward

The Commonwealth Attorney-General's Department is currently consulting on a draft "serious data breach notification" bill, before legislation…

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Action Taken On Mandatory Centrelink Phone Number

NCPA CEO has taken action on the Centrelink phone number that must be shown on loan contract documents. This phone number has not been operational…

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Recent Changes To Australia Post Delivery May Effect Your Business

Recent changes to the Australia Post delivery regime may have an effect on the way you give notices to consumers under your contracts. NCCP Act…

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National Hardship Register Now Live As Of 1st February 2016

After two years of testing, the National Hardship Register went live on the 1st February 2016. The purpose of the industry funded NHR is to…

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Second Member Reports Fraudulent Application

A second member has also reported the same person had approached their business for a $600 loan using high quality fraudulent documents. In that…

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Members Have been Warned About A High Tech Fraudulent Loan Application

One of our members is currently talking to NSW police about a high tech fraudulent loan application from a male consumer that included high quality…

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CEO Responds To Inaccurate Claims About SACC Loans In ABC Interview

CEO responds to inaccurate claims about SACC loans and has slammed the research being promoted by Good Shepherd Finance which implies that small…

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CEO Slams Inaccurate And Misleading Claims About SACC Loans

False and misleading information in a recent ABC radio interview instigated by Good Shepherd Finance has been slammed by NCPA CEO, Philip Johns.

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CEO Distrbutes Important Information from ASIC Regarding Superannuation

Although this topic and legislation is not directly related to the credit products our Members provide and is outside the normal scope of information…

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ASIC Has Asked For This Webinar And Other Information To Be Passed To Members

ASIC INFORMATION: From 12 November 2016, the existing unfair contract term protections for consumers will be extended to cover standard form…

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NCPA Frustrated By ASICs Misleading Actions

CEO of national industry body, National Credit Providers Association, has declared that he is frustrated by ASIC's misleading actions in the…

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CEO Distributes Important Update On Key Dates And Events

CEO Distributes important information giving an update on some key dates and events that Members should be aware of or prepared for. Full details…

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CEO Responds to ASIC Review of Fair Go Finance

NCPA's response to ASIC Review of Fair Go Finance (Fair Go) gives a more balanced review of the recent assessment by ASIC following ASIC’s media…

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NCPA RESPONSE to ASIC Review of Fair Go Finance (Fair Go)

Following ASIC’s media announcement about NCPA’s member Fair Go Finance, the Association is taking the opportunity to formally reply and show…

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CEO Phil Johns Welcomes Indepth Media Coverage Of Recent ASIC Media Release

NCPA is pleased to help give more expansive media coverage to the recent media release regarding Fair Go Finance and how the problems identified…

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Article Gives Another Side To The Story Regarding ASIC Media Release About Fair Go Finance

A recent indepth article by the head regulatory analyst for Thomson Reuters gives another side to the story regarding ASIC Media Release about…

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NCPA CEO and Board Members Meet With Review Panel

Yesterday, the NCPA CEO and several Board members met one-on-one with the SACC Review Panel for nearly 2 hours in Sydney. It was a most productive…

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AGM Set For Friday 6th May 2016

Just a reminder for you to mark Friday 6th May 2016 as the date of the NCPA’s next AGM and information Training Day in your calendar. The format…

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Response to Interim Report on SACC Legislative Review

Response to the SACC Interim Report on Legislative Review. CEO Phil Johns has provided an overview of the contents of the Interim Report from…

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CEO Gives Some Direction On Responding to Review Panels Interim Report

CEO Gives Some Direction On Responding to Review Panels Interim Report. NCPA Members have been given some detailed instructions on the issued…

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Saving Borrowers From Themselves An Article By Hunt & Hunt On RLO Under NCCP Act

An article published by Hunt & Hunt on responsible lending under the NCCP Act can be a good source of information for gross error checking against…

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Review of Make-It-Mine Court Case Key Points That Apply to All ASIC Licence Holders

With reference to ASIC media release 15-093MR, NCPA Members have been sent a review of the key points that apply to all ASIC licence holders…

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CEO Reports on Canberra Meetings and Reelection as Treasurer of COSBOA

CEO, Phil Johns, Reports on Intensive Week of Canberra Meetings and Re-election as Treasurer of COSBOA. At each meeting our current Review of…

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Scammers Stealing Lenders Identities to Then Scam Consumers

CEO Warns Members About Scammers Scammers Stealing Lenders Identities and creating a fake website to scam consumers and steal consuemr identify…

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Let's Start and Open Honest Discussion About the Big Need for Small Loans in Australia

LET’S START AN OPEN HONEST DISCUSSION - ABOUT THE BIG NEED FOR SMALL LOANS IN AUSTRALIA. The National Credit Providers Association (NCPA) is…

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NCPA Chairman and CEO Attend Important SACC Committee Round Table Meeting

On Tuesday 10 November 2015, along with other industry representatives and stakeholders, NCPA Chairman Paul Walshe and CEO Phil Johns attended…

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Prepaid Monthly Fees and Privacy Commissioner Determinations

There have been two matters which NCPA believes should be brought to Members' attention as they may have a significant effect on your business.…

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CEO Announces Friday 6th May 2016 for Members AGM and Information Day

Members have been notified that Friday 6th May 2016 is the date of the NCPA’s next AGM and Information Training Day. The format of a Friday…

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Small lenders distance themselves from payday lending connotations

Small lenders distance themselves from "payday lending" connotations. A recent article by Nathan Lynch through Thomson Reuters, Regulatory Intelligence…

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Scams and Unauthorised Use of Your Intellectual Property

A timely reminder to ensure you have proactive procedures in place to monitor unauthorised use of your IP. CEO highly recommends Members maintain…

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NCPA Launches New Website Dedicated to the Big Need for Small Loans

The primary purpose of this new website BigNeedSmalLoans.com.au is for it to be a permanent 'go to' reference point and resource where the industry…

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New Research Reveals Truth About So Called Pay Day Loans Industry

New research has revealed facts and figures for the small amount lending industry historically known as payday Loans. Nearly two million consumers…

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CoreData Research Report

Independent research organisation CoreData has just released its report based on the single largest data research project into the Australian…

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NCPA Boards Continued Work On The Core Data Research Project Produces Valuable Research Report

This ground-breaking research project which began in early 2015, is the first of its kind in the small finance industry. The final report provides…

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Members Reminded Company Directors Are Liable for Debt Collection Activities

CEO issues a timely reminder that as directors of any ACL holding company, you are directly liable for your debt collection activities – however…

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Government has ruled out mandatory participation in Comprehensive Credit Reporting

In a significant announcement today in the Government Response To The Financial System Inquiry, the Government has ruled out mandatory participation…

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NCPA Submission to Legislative Review Oct 2015

NCPA Submission to Legislative Review of NCCP Act - Oct 2015. CEO distributes submission and thanks all concerned in its preparation.

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NCPA Review and Analysis of ASIC Report 426

NCPA Analysis and Review of ASIC Report 426 released in March 2015 called “Payday Lenders and the New Small Amount Lending Provisions” has been…

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CEO Attends Important Annual Credit Law Conference

CEO Attends Important Annual Credit Law Conference. The event, with over 200 attendees, was held on the Gold Coast and featured high level speakers…

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Small Loans Association Stresses Importance Of Current Data For Government Review

Small Loans Association Stresses Importance Of Current Data For Government Review. The National Credit Providers Association (NCPA), Australia’s…

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CEO Stresses Importance of Current Information to the ASIC Review Panel

CEO Stresses Importance of Current Information to the ASIC Review Panel. AS CEO of the National Credit Providers, Phil Johns is urging the upcoming…

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Learn The Facts About...

For more information on this important industry-led initiative please click here to visit the website.

Members' Comments

  • "The NCPA plays a vital role informing the wider community of the value of small amount lending and members of the need for responsible lending practices."

    - Money 3, www.money3.com.au

  • "The NCPA fulfills a vital industry service by keeping members timeously informed of current developments in the consumer credit industry needed for ongoing compliance, the interpretation of legislation and strategic planning. Having an industry voice through which we can professionally channel material issues to Government and other industry stakeholders is also extremely valuable."

    - Jeremy Thorpe, Director Fair Go Finance Pty Ltd, www.fairgofinance.net.au

  • "The NCPA is critical to the effective liaison of our industry with government, ASIC and other stakeholders. The professional operation of the board ensures industry is engaged and aware of issues that will or may affect them and that members are updated regularly on these. Being a part of this is critical to longer term success."

    - Paul Walshe (NCPA Chairman), Fair Go Finance, www.fairgofinance.net.au

Member Benefits

Membership of the National Credit Providers Association can be on two levels – General or Associate Membership

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CEO Profile

Phil Johns

Comments: Being CEO of the National Credit Providers Association (NCPA*) since 2008 has been a rewarding and invigorating experience. NCPA represents ASIC licensed credit providers from a variety of entity structures including ASX registered entities. Being a mutual–benefit organisation, Members come together with a united voice as Australia’s peak industry body for the small and medium amount consumer loans industry. *Previously NFSF

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NCPA Overview

The National Credit Providers Association* is the peak Australian industry association for the small and medium loan sector. Governed by a Board of industry leaders, NCPA is a mutual not-for-profit association and represents ASIC licensed credit providers, operating from nearly 300 retail locations across Australia and from dedicated online platforms. It is estimated our Members account for 85-90% of the small amount consumer credit market providing credit to over 988,000 Australians each year. NCPA performs the role of providing a significant “preventative measure” of self-regulation in the market place by assisting and guiding lenders in the provision of fair and safe credit under the NCCP Act 2009 with a recognition of dignity for all consumers. *Formerly National Financial Services Federation.

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