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   0860 627 627 (Call Centre) / 011 554 2700  (Reception) 

  info@ncr.org.za / complaints@ncr.org.za / workshops@ncr.org.za

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WELCOME TO THE NATIONAL CREDIT REGULATOR

The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.

The NCA requires the NCR 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 registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.

WELCOME TO THE NATIONAL CREDIT REGULATOR

The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.

The NCA requires the NCR 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 registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.

Circulars

 

January 2024 Circular 1 of 2024 - Alert to consumers and debt counsellors: unauthorised use of registration credentials of debt counsellors by unregistered persons
November 2023 Circular 6 of 2023 - Emolument attachment orders and other related matterst
September 2023 Circular 5 of 2023 - Impact of extended power supply failure/loadshedding to the consumer credit market
August 2023 Circular 4 of 2023 - Notice to registrants: obstructive behaviour during an investigation
June 2023 Circular 3 of 2023 - Annual renewal of registration
April 2023 Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra
April 2023 Circular 1 of 2023 - NCR contact details
August 2022 Circular 04 of 2022 - Sale of debt review leads and consumer personal information
April 2022 Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022
March 2022 Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J
Explanatory note to the withdrawal guidelines 1 of 2021
September 2021 Circular 6 of 2021 - Process of dealing with edgars/jet on-sale accounts
Annexure A - Edgars & Jet on-sale accounts.pdf
August 2021 Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations
June 2021 Circular 4 of 2021 - NCR’s banking details have not changed
May 2021 Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017
February 2021 Circular 2 of 2021 - Circular on ADR agents
January 2021 Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors
November 2020 Circular 10 2020 - DC misleading marketing practices.pdf
July 2020 Circular 09 of 2020 - Submission of the quarterly returns
July 2020 Circular 08 of 2020 - Establishment of the NCR debt counsellor panel
June 2020 Circular 07 of 2020 - Update on the extension of the NCA business days
May 2020 Circular 06 of 2020 - Submission of credit information during covid-19 period
May 2020 Circular 05 of 2020 - Emergency loan guideline
May 2020 Circular 04 of 2020 - Extension of the quarterly statistical returns submission
April 2020 Circular 03 of 2020 - Change in circumstance guidelines - form 17.3
March 2020 Circular 02 of 2020
March 2020 Circular 01 of 2020
October 2019 Circular 07 of 2019
July 2019 Circular 06 of 2019 - NCR Webinars
June 2019 Circular 05 of 2019 - DC Court Challenges
June 2019 Circular 04 of 2019 is applicable to all registered credit bureaux.
April 2019 Circular 03 of 2019 - Updates from the credit industry forum
February 2019 Circular 02 of 2019 - Updates from the credit industry forum
January 2019 Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.
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
August 2017 Updated Lapsed Report
April 2017 Circular 8 of 2017 – NCR contact details
April 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

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Alternative Dispute Resolution Agents
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Credit Bureaus
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Credit Providers
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Debt Counsellors
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Contact details

Physical Address
127 - 15th Road
Randjespark
Midrand
1683

Physical Address
Call-Centre, Complaints and Investigations Department
232-15th Road
Randjespark
Midrand
1683

Consumer Rights

Consumer Assistance
Know your rights
Consumer Tips
Challenge Credit Record

Operating Hours

Mon - Thur : 8AM - 5PM
Friday : 8AM - 4:30PM

Call Centre
0860 627 627

Telephone
011 554 2700

National Credit Act

Download the National Credit Act
National Credit Amendment Act
National Credit Regulations
Background Documents on the NCA

 

Fraud / Anti-Corruption Hotline

Report any incidents of wrong doing
to the KPMG Ethics Line

0800 20 53 17 (Toll Free)