Publications

(Guideline 01/2021 – May 2021) The NCR Debt Review Withdrawal Guidelines 2021 , issued by the National Credit Regulator (NCR), provide clarity on the legal and procedural framework governing the withdrawal of consumers from the debt review process under the National Credit Act. These guidelines were developed following significant legal developments, including the High Court judgment in Van Vuuren v Roets and Others , which clarified whether and under what circumstances a con

(Circular 001/2018 – 22 February 2018) The Debt Counselling Fee Guidelines 2018 , issued by the National Credit Regulator (NCR), set out the prescribed fee structure applicable to registered debt counsellors operating under the National Credit Act. The document outlines the various stages of the debt review process and clearly defines the permissible fees, payment timing, and service scope at each step. The guidelines cover application and administration fees, restructuring f

(February 2021) This circular, issued by the National Credit Regulator (NCR), addresses the registration and operation of Alternative Dispute Resolution (ADR) Agents within the credit industry. It reaffirms the legislative requirements under the National Credit Act and clarifies that only ADR agents registered with the NCR are authorised to facilitate the resolution of consumer complaints relating to credit agreements. The circular highlights concerns about entities operatin

(Government Gazette No. 38557, 13 March 2015) This Government Gazette records the official commencement of the National Credit Amendment Act, 2014 (Act No. 19 of 2014) , as proclaimed by the President of the Republic of South Africa. Published on 13 March 2015, it confirms the date on which the Amendment Act came into operation and includes updated regulations issued by the Department of Trade and Industry. This publication introduces important amendments to the National Cred

The National Credit Act (NCA), 2005 is a cornerstone piece of South African legislation designed to regulate the consumer credit industry. Published in the Government Gazette on 15 March 2006, the Act promotes a fair, transparent, and non-discriminatory credit marketplace. It sets out the legal framework for responsible lending and borrowing, protects consumers against reckless credit practices, regulates credit providers and credit bureau, and establishes the National Credi