Frebruary 2019

Circular 12 of 2019 - Re-seller Credit Bureau Circular on Additional Form 43 Requirements

November 2018

Circular 11 of 2018 - Fraud or Unethical Behaviour

October 2018

Circular 06 of 2018 - Request for written comments - reckless lending fee category

September 2018

Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline

August 2018

Circular 04 of August 2018 - Suspension Indicator on Debt Help System

April 2018

Circular 3 of 2018 - NCR New Enhanced Debt Help System

February 2018

Circular no 01 of 2018 -new debt counsellor fees

September 2017

Circular no 14 of 2017 – consumer transfer notice of the lapsed and voluntary de-registered debt counsellors

August 2017

Circular 12 of 2017 - request for comments on recommended debt counselling fee structure

August 2017

Circular 11 of 2017 - dhs new functionalities

August 2017

Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348

Updated Lapsed Report

April 2017

Circular 8 of 2017 – NCR contact details

March 2017

Circular 7 of 2017 - debt counselling call centres

March 2017

Circular 6 of 2017 - interpretation of section 71 of the nca

March 2017

Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110

March 2017

Circular 4 of 2017 – NCR’s banking details have not changed

February 2017

Circular 3 of 2017 – review of debt counselling fees

February 2017

Circular 2 of 2017 – annual renewal of registration

January 2017

Circular 1 of 2017 – debt counselling rules system

November 2016

Circular No. 24/November 2016 replaces Circular No. 2/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines – Guidelines No. 003/2009 and 001/2014.

October 2016

Circular No. 23 / October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.

Circular No. 3 / October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended

September 2016

Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act

Circular 19 of 2016: Employed Debt Counsellors

July 2016

Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount

Circular No. 14 of 2016: Aternative dispute resolution agents

June 2016

Circular No. 13 of 2016: Updates from the credit industry forum

Circular No. 12 of 2016 : Application, Registration and Renewal Fees

Circular No. 8 of 2016: The review of limitations on fees and interest rates regulations

Circular No. 7 of 2016: Debt Help System Enhancements

May 2016

Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus 

March 2016

Circular No. 6 of 2016: Payment of Debt Counsellor Fees

February 2016

Circular No. 5 of 2016: Payment of Debt Counselling Fees

Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape

Circular No. 2/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003/2009

January 2016

Circular No. 3 of 2016: Annual Renewal of Registration 

Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt's clients.

November 2015

Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339

September 2015

• Circular No. 14 of 2015: Debt Counselling compliance monitoring visits
• Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details
• Debt Counsellor information update form

August 2015

• Circular No 13 of 2015: Return of unallocated funds from Credit Providers' suspense accounts 

July 2015

• Circular No 12 of 2015: Replacement of Registration Certificates

February 2015

• Circular No 07 of 2015: Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36
• Circular No 06 of 2015: Fraud or Unethical Behavior
• Circular No 02 of 2015: Debt Review Task Team Agreements
• Circular No 002 of 2015: Withdrawal Guidelines 

January 2015

• Circular No 04 of 2015:  Proposed Process for End Balance Differences
• Circular No 03 of 2015: Sec 103(5) Proposed Guidelines
• Circular No 02 of 2015: Debt Review Task Team Agreements
• Circular No 01 of 2015: Industry Developments, Trends and Practices

December 2014

• Circular No 18 of 2014: Debt Counselling Festive Breaks
• Circular No 16 of 2014: Compilation of Accurate Data on Registrants
• Circular No 15 of 2014: Debt Counselling Rules System
• Circular No 14 of 2014: Section 86(10) Termination Notices

November 2014

• Circular No 13 of 2014: Voluntary Debt Mediation

October 2014

• Circular No.11 of 2014 - Lapse Of Registration

September 2014

• Circular No.11 of 2014 : Lapse Of Registration

June 2014

• Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries

May 2014

• Circular No.8 of 2014 : Update from Credit Industry Forum
• Circular No.7 of 2014 : Financial compliance monitoring tool
• Final Monitoring Tool

April 2014

• Circular No.5 of 2014 : Draft Compliance Monitoring Tool
• Monitoring Tool

March 2014

• FAQ

February 2014

• Updates credit forum

January 2014

• Registration Renewal Fees Circular

November 2013

• Finsense

April 2013 

• CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT
• CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT