The PTD Standing Committee is made up of representatives from the following organisations: Accountant in Bankruptcy Money Advice Scotland Citizens Advice Scotland Association of British Credit Unions Carrington Dean Credit Services Association Harper McDermont HM Revenue and Customs ICAS R3 – Association of Business Recovery Professionals Insolvency Practitioners Association J3 Debt Solutions Max Recovery/JP Morgan National Credit Union Fourm PRA Group TDX – The Insolvency Exchange Scottish Ministers, special advisers and the Permanent Secretary are covered by the terms of the Lobbying (Scotland) Act 2016.