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 ASB Bank Limited Bank of New Zealand Centrix Group Limited Equifax New Zealand Flexicards New Zealand Heartland Bank Limited Illion Kiwibank Limited Latitude Financial Services Limited Pepper New Zealand Limited Spark New Zealand Limited Westpac New Zealand Limited