<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;</p>
<ul>
<li>to promote black economic empowerment and ownership within the consumer credit industry;</li>
<li>to prohibit certain unfair credit and credit-marketing practices;</li>
<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;</li>
<li>to provide for registration of credit bureaux, credit providers and debt counselling services;</li>
<li>to establish national norms and standards relating to consumer credit;</li>
<li>to promote a consistent enforcement framework relating to consumer credit;</li>
<li>to establish the National Credit Regulator and the National Consumer Tribunal;</li>
<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.</li>
</ul>
<p><a href="documents/pages/download_act/NATIONAL_CREDIT_ACT.pdf" target="_blank" rel="noopener noreferrer">click here to download the act</a></p>
<p><a href="documents/pages/download_act/National Credit Amendment Act 2019.pdf" target="_blank" rel="noopener noreferrer">click here to download the National Credit Amendment Act 2019</a></p>
<p><a href="documents/pages/download_act/National Credit Amendment Act of 2014.pdf" target="_blank" rel="noopener noreferrer">click here to download the National Credit Amendment Act of 2014</a></p>
<h4>National Credit Regulations</h4>
<ul>
<li><a href="documents/pages/Acts/Final Credit Life Insurance Regulations.pdf" target="_blank" rel="noopener noreferrer">Final Credit Life Insurance Regulation</a></li>
<!--<li><a href="documents/pages/Acts/SKM_C284e15111716420.compressed.pdf" target="_blank">Draft Credit Life Insurance Regulation, 2015</a></li>-->
<li><a href="documents/pages/Acts/SKM_C284e15110908440.compressed.pdf" target="_blank" rel="noopener noreferrer">Review of Limitations on Fees and Interest Rates Regulations</a></li>
<li><a href="documents/pages/Acts/NEW FEE STRUCTURE.pdf" target="_blank" rel="noopener noreferrer">New Fee Structure</a></li>
</ul>
<h4> </h4>