The National Pawnbrokers Association (NPA) is the lead trade association representing pawnbrokers, from the large chains through to independents, in a £865m loan market growing year on year. It is the authoritative voice of the pawnbroking industry in the UK. The NPA stands for expertise, fairness and transparency, professionalism and excellence. All our members are bound by our rules and a customer code of conduct. Pawnbroking is part of the credit industry and is regulated alongside banks and other lenders by the Consumer Credit Act 1974.