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Welcome to the National Credit Regulator

The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.
 
The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.
 
The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act.

Latest News

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Consumers advised to use their credit life insuran…

/ 05 May

 April 2020 As South Africa is battling with the impact of COVID-19 on the economy, many consumers have been left with the inability to earn an income. Some are unemployed whilst ...

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Be careful of “fake” credit provider scams during …

/ 05 May

April 2020 The National Credit Regulator (NCR) is warning consumers to be careful of scammers who act as legitimate credit providers preying on vulnerable consumers during this pe...

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Avoid panic buying as it may lead to over-indebted…

/ 24 Mar

March 2020 Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to ...

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Know your Consumer Rights and be protected

/ 24 Mar

March 2020 March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) a...

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Appeal court confirms Shoprite granted credit reck…

/ 24 Feb

In September 2014, whilst conducting a research exercise, the National Credit Regulator (NCR) identified deficiencies in Shoprite Investments Limited’s (Shoprite) (NCRCP6050) affor...

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National Credit Regulator: Asia Lamara’s registrat…

/ 24 Feb

January 2020 The National Credit Regulator (NCR) became aware that Ms. Lamara, a registered debt counsellor, with registration number NCRDC4469 who provided debt counselling servi...

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Credit is expensive, be a smart consumer and borro…

/ 24 Feb

January 2020 The festive season is over and it’s back to school season for many consumers. For some, there may be a need to borrow money to take care of January expenses such as s...

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Spend wisely this festive season, January is a few…

/ 24 Feb

December 2019 Many consumers complain that January is a long month, but like many other months, January also has 31 days. What makes it longer though, is how you spend your money ...

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Don’t let Black Friday lead to “Blacklisting”

/ 21 Nov

November 2019 Black Friday fever is here and consumers are cautioned against making reckless spending decisions and encouraged to be smart and responsible spenders this Black Frid...

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National Credit Regulator: Do not be duped to pay …

/ 13 Nov

November 2019 According to the National Credit Act (NCA), consumers are entitled to a free copy of their credit report once a year. In the June 2019 quarter, consumers requested 2...

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Increase in credit extension

/ 13 Nov

October 2019 The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitt...

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Consider debt counselling to defeat debt

/ 27 Aug

August 2019 Loss of employment, salary cuts, medical bills, rising fuel prices, food and cost of living in general and overspending are some of the reasons why consumers end up be...

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The Tribunal rules that child support and foster c…

/ 18 Jul

July 2019 The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading...

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The High Court rules in favour of the NCR that set…

/ 01 Jul

July 2019 The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agre...

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Tribunal finds that the on the road fee, admin fee…

/ 09 Apr

April 2019 The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial ...

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Joint operation between NCR, Office of the Consume…

/ 11 Feb

February 2019 On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA...

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If you have to borrow, borrow wisely!

/ 22 Jan

January 2019 The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend...

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National Credit Regulator issues a public warning …

/ 22 Jan

January 2019 [JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams. These scam...

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