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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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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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Do not overdo it this festive season – Spend Wisel…

/ 06 Dec

December 2018 This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc ma...

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The Supreme Court of Appeal dismisses the MFSA’s a…

/ 20 Nov

November 2018 The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa’s (MFSA) application for special leave to appeal the judgment of the Fu...

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Don’t let Black Friday be the reason for your fina…

/ 15 Nov

November 2018 Out of the 24.59 million credit active consumers, 61.1% are in good standing. However, 38.9% or 9.6 million consumers have impaired records. This is a record on whic...

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The National Credit Regulator to educate the commu…

/ 15 Nov

November 2018 The National Credit Regulator (NCR) will be hosting a workshop in Katlehong on Saturday, 17 November 2018 on an initiative to educate consumers who reside in and aro...

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The National Credit Regulator issues a public warn…

/ 17 Oct

October 2018 The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermarit...

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Credit extension seasonally surges

/ 03 Oct

October 2018 Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to...

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If you can no longer afford to pay your debts, deb…

/ 11 Sep

September 2018 At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthl...

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The Full Bench of the North Gauteng High Court rul…

/ 13 Aug

August 2018 The Full Bench of the North Gauteng High Court has ruled in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) in the MicroFinanc...

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Supreme Court of Appeal grants the National Credit…

/ 01 Aug

August 2018 [JOHANNEBURG] The Supreme Court of Appeal (SCA) has granted the National Credit Regulator (NCR) leave to appeal to it the judgement of the North Gauteng High Court in...

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National Credit Regulator issues a public warning …

/ 31 Jul

July 2018 [JOHANNEBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams. These scams ty...

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Credit extension slows down

/ 29 Jun

June 2018 Credit extension slows down  The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports ar...

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