Consumer Credit Industry Association

What Consumer Credit Industry Association does

The Consumer Credit Industry Association (CCIA) is a private, nonprofit trade association founded in 1951 and headquartered in Washington, DC, at 1300 Pennsylvania Ave., NW. Originally organized as the Consumer Credit Association, it rebranded to its current name in 2007 to reflect the broader range of insurance and assurance products represented by its members. CCIA serves as the leading advocacy and informational resource for companies operating in the U.S. credit insurance, payment protection, service contract, warranty, motor club, and collateral protection markets, with member companies collectively providing financial security products to over 50 million households.

CCIA's core offering is not a technology product but a membership-based advocacy and information service platform. It organizes the industry across six product verticals: Collateral Protection Products (blanket insurance, vendor single interest, lender-placed insurance), Guaranteed Asset Protection (GAP) waivers, Payment Protection Products (credit life, credit disability, involuntary unemployment insurance), Vehicle Service Contracts, Motor Club Products, and Home and Consumer Warranties. The association operates a content and engagement engine including the bi-weekly CCIA Star newsletter, weekly CCIA Bulletins, webinars, podcasts, fact books, and a Legislative & Regulatory Monitor. It also runs CCIA PAC, a federally-compliant political action committee supporting bipartisan advocacy in Washington, DC. Member engagement occurs through weekly calls, biannual committee meetings, an Executive Committee, Board of Directors, and annual conferences.

CCIA generates revenue exclusively through annual membership dues paid by its 140+ credit insurer members plus additional administrators, producers (lenders, retailers, auto dealers), motor clubs, B2B service providers, and agents/brokers. Dues vary by services offered and company type and are not publicly disclosed; the association estimates the value of its services at approximately $250,000 per member company per year if a firm were to replicate the resources independently. The association is led by President & CEO Sarah Ferman Baker, supported by a small professional staff including a VP of Legislative Regulatory Counsel and a Director of Operations.

Name

Consumer Credit Industry Association

Legal name

Consumer Credit Industry Association

Website

https://cciaonline.com

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

11–50 employees

Short description

The Consumer Credit Industry Association is a Washington, DC-based nonprofit trade association founded in 1951 that advocates on behalf of 140+ U.S. credit insurers, administrators, producers, and motor clubs serving over 50 million households with credit protection products.

Ownership category

akta.pro rank

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Membership Dues: CCIA generates revenue through annual membership dues from member companies. The association states that members view dues as more than offset by the value received, with estimated annual value of $250,000 per company if a firm devoted similar resources on its own. Annual dues depend on the services offered by each member firm.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

CCIA is a trade association that provides advocacy, regulatory representation, information services, and peer-networking venues to member companies offering consumer credit insurance, payment protection products, service contracts, warranties, motor clubs, and collateral protection products. Membership unlocks state and federal lobbying, media advocacy, weekly calls, biannual committee meetings, fact books, bulletins, webinars, and access to CCIA PAC.

Product overview

CCIA is a trade association representing companies that provide consumer financial protection products. The organization advocates for six core product categories: Collateral Protection Products (blanket insurance, VSI, and lender-placed insurance for secured loans), Guaranteed Asset Protection (GAP) waivers, Payment Protection Products (credit life, disability, and unemployment insurance), Vehicle Service Contracts, Motor Club Products, and Home and Consumer Warranties. These products help consumers manage financial risk and protect their assets, with coverage for death, disability, unemployment, property damage, and debt repayment scenarios.

Differentiator

Problem solved

Functional benefit

Brands

• CCIA PAC: The premier voluntary protection products political action committee that is a core part of the industry's presence and advocacy efforts in Washington, DC.

Products and services

• Collateral Protection Products Insurance services enabling consumer lending by providing hazard insurance for collateral securing loans, including blanket insurance, vendor single interest (VSI), and lender-placed insurance (LPI) for real estate and auto.
• Guaranteed Asset Protection (GAP) A waiver that cancels the borrower's remaining debt in the event of total loss or unrecovered theft of a vehicle, covering the gap between actual cash value and loan balance.
• Payment Protection Products Voluntary debt protection products including credit life insurance, credit disability insurance, and involuntary unemployment insurance that help consumers protect their loan obligations.
• Vehicle Service Contracts Contractual agreements for vehicle repair, replacement, or maintenance coverage for specified periods of time or mileage, including powertrain to bumper-to-bumper options.
• Motor Club Products Nationwide services providing drivers with roadside assistance, travel reimbursement, and additional benefits including arrest bonds, key fob replacement, and merchant discounts.
• Home and Consumer Warranties Warranty products protecting home systems and consumer goods against defects and failures.

Quantifiable outcome

• Over 50 million households served by CCIA member companies with consumer financial security products
• +3 more outcomes

Named customers18 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Property Casualty Insurers Association of America (PCI):
• American Bankers Association (ABA): ABA is the largest U.S. banking trade association, with overlapping advocacy interests in payment protection, credit insurance, and lender-side products distributed through its member banks — comparable in mission but broader in scope (entire banking industry vs. credit protection niche).
• American Council of Life Insurers (ACLI): ACLI represents life insurers nationally, including those underwriting credit life and credit disability insurance — products central to CCIA's core. It is comparable as a trade association advocating for insurance products sold through lenders and retailers.
• National Association of Mutual Insurance Companies (NAMIC): NAMIC is a major U.S. property/casualty and life insurance trade association with significant overlap in service contract, GAP, and collateral protection lines underwritten by its member carriers.

Direct peers

• American Financial Services Association (AFSA): AFSA is the national trade association for consumer lending and finance companies, covering many of the same lender/retailer members and product categories (credit insurance, GAP, payment protection) that CCIA represents — making it the closest peer in mission and member base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cciaonline

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consumer Credit Industry Association