Application Process and Guideline
Credit providers can apply as a Subscribed Member, either Type One Member, Type Two Member or Type Two Limited Member depending on your business nature and selected platform access method, to participate in the Credit Reference Platform (CRP).
| Type of Membership | Description |
| Type One Member | An authorized institution or a subsidiary of an authorized institution within the meaning of section 2 of the Banking Ordinance (Cap. 155 of the Laws of Hong Kong); |
| Type Two Member | A money lender under Money Lenders Ordinance (Cap. 163 of the Laws of Hong Kong) or a person whose business (whether or not the person carries on any other business) is that of providing finance for the acquisition of goods by way of leasing or hire purchase. |
| Type Two Limited Member | A money lender under Money Lenders Ordinance (Cap. 163 of the Laws of Hong Kong) that engages a Selected CRA’s Type Two Limited Member Service for indirect access to the CRP and for obtaining Simplified Credit Reports (but not Credit Reports). |
A. Application for Type One Membership and Type Two Membership
Applicants should send an e-mail to the Business Operator at mcra.application@hkab.hk, to request for a Non-Disclosure Agreement (NDA) and an application form in order to apply for the membership.
The Business Operator will provide the NDA and application form to the applicant by e-mail within 3 working days of receiving the request e-mail.
Applicants shall then submit the completed NDA, application form and supporting documents to the Business Operator at mcra.application@hkab.hk at their own cost, following the file naming convention and format requirements set out in the application form.
B. Application for Type Two Limited Membership
Applicants should send an e-mail to a Selected CRA that provides Type Two Limited Member Service to request an NDA and a Type Two Limited Member application form.
The Selected CRA will provide the NDA and application form within 3 working days of receiving the request. Applicants shall then submit the completed NDA, application form and supporting documents to the Selected CRA. The Selected CRA will perform initial review and due diligence, and submit the application package to the Business Operator for MCRAUG approval.
General Notes (applicable to all membership types)
- Upon receipt of an application, the Business Operator will, within 2 working days, send an acknowledgement e-mail to the applicant (or, in the case of Type Two Limited Member applications, via a Selected CRA) stating the application case number.
- Unclear requests may cause a delay in processing.
Request for Application Form
The application form and NDA are provided upon written request to Business Operator (mcra.application@hkab.hk) or the Selected CRA with the suggested template as follows:
For general enquiries and complaints, please contact the Business Operator at:
- Email: mcra.enquiry@hkab.hk
- Operating hours: 9:00 a.m. to 6:00 p.m. (Hong Kong time, Monday to Friday except for Hong Kong public holidays and adverse weather)