Debt Counselling Fee Guidelines 2018

(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 fees, reckless lending assessment fees, aftercare fees, NCT submission fees, and attorney-related costs. They are designed to ensure transparency, fairness, and consistency in the way debt counselling services are charged across the industry.

Why this matters to you:

For consumers, these guidelines provide clarity on what you can legally be charged during the debt review process and when payments are due. For debt counsellors and credit providers, the document establishes compliance standards and promotes uniform, regulated fee practices within South Africa’s debt counselling framework.

debt counselling fee structure guideline.pdf

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