Membership is open to any organisation that meets the rules requirement. These are detailed in the attached membership application form. The rules provide for three classes of member credit reporting agencies credit providers able to contribute and receive positive credit information and organisations able to access positive credit data under the credit reporting privacy code. Credit provider membership can include those who provide telecommunication services and energy on credit to retail customers, as well as those providing finance. The following are members of RCANZ ANZ Bank New Zealand Limited www.anz.co.nz ASB Bank Limited www.asb.co.nz Bank of New Zealand www.bnz.co.nz Centrix Group Limited www.centrix.co.nz Equifax New Zealand www.equifax.co.nz Flexicards New Zealand www.flexicards.co.nz Heartland Bank Limited www.heartland.co.nz Illion www.illion.co.nz Kiwibank Limited www.kiwibank.co.nz Latitude Financial Services Limited www.latitudefinancial.com.au Pepper New Zealand Limited www.peppermoney.co.nz Spark New Zealand Limited www.spark.co.nz Westpac New Zealand Limited www.westpac.co.nz