(485,64,1,'','2020-09-23 12:06:38',915,3188,'e33347e5cc29166f698e48ffde4a3f64041fae09','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p><strong>Mandate of the Statistics and Research department<\\/strong><\\/p>\\r\\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.<\\/p>\\r\\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 12:06:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 12:05:29\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"70\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(486,19,1,'','2020-09-23 13:15:48',915,4842,'b14807f924e27d74a4eb7f4821117aad0efe3720','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p><strong>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:15:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:15:39\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":39,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"268\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(487,62,1,'','2020-09-23 13:17:14',915,3808,'94ae51b32c4a9719eddebb81ce8d2d167827722d','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<p><strong>Mandate of the Compliance Credit Bureau<\\/strong><\\/p>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:17:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:17:01\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(488,19,1,'','2020-09-23 13:18:16',915,4827,'d7c7e02f699471384cc5e3270bac5095f92da234','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p><strong>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:18:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:18:10\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":40,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"270\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(489,19,1,'','2020-09-23 13:22:09',915,4816,'0e77844e6bf72b28ce22b563d2300d2605911047','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p><strong>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:22:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:22:04\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":41,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"271\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(490,8,1,'','2020-09-23 14:35:33',915,2902,'73b5dbd6f3c1dc12e8589ccc8555f02c82468c3a','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<h6>Mandate of the Investigations and Enforcement Department<\\/h6>\\r\\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:35:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:34:54\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":41,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"306\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(493,8,1,'','2020-09-23 14:39:58',915,2902,'dc9f2f7b473cc2d40d01659bba56e1b6a67c5f44','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<h5>Mandate of the Investigations and Enforcement Department<\\/h5>\\r\\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:39:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:39:39\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":43,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"309\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(494,63,1,'','2020-09-23 14:40:43',915,9602,'92e4f1622cac1df730f35378ee9c26055a3abae6','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the debt counselling department<\\/h5>\\r\\n<p>The mandate of the Debt Counselling Department is to monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/p>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<h4><strong>The debt counselling process<\\/strong><\\/h4>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:40:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:40:21\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"131\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(495,19,1,'','2020-09-23 14:41:54',915,4800,'55fcbab7195de2719ffc2b8b99dd8e474486a88a','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:41:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:41:22\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":42,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"275\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(498,7,1,'','2020-09-23 14:44:28',915,5930,'266224d5ff848640eda7eca937e263bb7c56def3','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Compliance Report (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:44:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:44:08\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"126\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(499,62,1,'','2020-09-23 14:45:15',915,3792,'fdbc33d9bd45fd42ade29654ee55c4ef0cd1c29e','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Compliance Credit Bureau<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:45:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:44:55\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"60\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(500,64,1,'','2020-09-23 14:46:02',915,3172,'aab09233700f29536747d17f77975d06d4286f9e','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<h5>Mandate of the Statistics and Research department<\\/h5>\\r\\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.<\\/p>\\r\\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:46:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:45:43\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(501,63,1,'','2020-09-23 15:04:22',915,8708,'ee0b906d7b3048cb83da2b06b88da4265e737504','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the Debt Counselling department<\\/h5>\\r\\n<p>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration. <br \\/> <strong>What is debt counselling?<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.<\\/li>\\r\\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><br \\/> <strong>Application process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.<\\/li>\\r\\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.<\\/li>\\r\\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.<\\/li>\\r\\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;<\\/li>\\r\\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;<\\/li>\\r\\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. \\u00a0<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><br \\/> A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:<\\/p>\\r\\n<ul>\\r\\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or<\\/li>\\r\\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.<\\/li>\\r\\n<\\/ul>\\r\\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<br \\/> <strong>Applicable debt counselling fees<\\/strong><br \\/> The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> Click here to view the DC fees<\\/em> (insert the hyperlink)<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 15:04:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 15:03:37\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"134\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(502,63,1,'','2020-09-23 15:06:26',915,8650,'1a8a034d5a6ec1ce9ceb062d2cfae06903a46128','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the Debt Counselling department<\\/h5>\\r\\n<p>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration.<\\/p>\\r\\n<h5>What is debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.<\\/li>\\r\\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Who conducts debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>The debt counselling process<\\/h5>\\r\\n<h5>Application process<\\/h5>\\r\\n<ul>\\r\\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.<\\/li>\\r\\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.<\\/li>\\r\\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.<\\/li>\\r\\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;<\\/li>\\r\\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;<\\/li>\\r\\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. \\u00a0<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><br \\/> A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:<\\/p>\\r\\n<ul>\\r\\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or<\\/li>\\r\\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.<\\/li>\\r\\n<\\/ul>\\r\\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<br \\/> <strong>Applicable debt counselling fees<\\/strong><br \\/> The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> Click here to view the DC fees<\\/em> (insert the hyperlink)<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 15:06:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 15:04:22\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"136\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(503,63,1,'','2020-09-23 15:09:58',915,8614,'8aa381930471cccf42384a93496046fc9a555cdf','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the Debt Counselling department<\\/h5>\\r\\n<p>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration.<\\/p>\\r\\n<h5>What is debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.<\\/li>\\r\\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Who conducts debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>The debt counselling process<\\/h5>\\r\\n<h5>Application process<\\/h5>\\r\\n<ul>\\r\\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.<\\/li>\\r\\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.<\\/li>\\r\\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.<\\/li>\\r\\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>&gt;Assessment process<\\/h5>\\r\\n<ul>\\r\\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Negotiation process<\\/h5>\\r\\n<ul>\\r\\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;<\\/li>\\r\\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;<\\/li>\\r\\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Restructuring process<\\/h5>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Payment process<\\/h5>\\r\\n<ul>\\r\\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. \\u00a0<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Clearance certificate process<\\/h5>\\r\\n<p>A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:<\\/p>\\r\\n<ul>\\r\\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or<\\/li>\\r\\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.<\\/li>\\r\\n<\\/ul>\\r\\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/p>\\r\\n<h5>Applicable debt counselling fees<\\/h5>\\r\\n<p>The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> <a href=\\\"..\\/documents\\/debt%20counselling%20fee%20structure%20guideline.pdf\\\">Click here to view the DC fees<\\/a><\\/em><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 15:09:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 15:06:26\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"137\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(505,62,1,'','2020-09-28 08:39:55',915,3792,'8abaab2e4819515e0c93877d173fedbd6b129413','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Credit Bureau Compliance<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 08:39:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 08:39:41\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"68\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(506,19,1,'','2020-09-28 08:45:52',915,4804,'603377b41804973b0fe52423f67681b5c023d3a1','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department amended.pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 08:45:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 08:45:17\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":43,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"280\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(511,40,1,'','2020-09-28 15:26:58',915,10493,'b4ae2f9344dfc38b03cd25aeeff884bf87a46fda','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 15:26:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 15:18:35\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(512,40,1,'','2020-09-28 15:27:57',915,10469,'94a141db322bda0c37da6b946e729771a6857811','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 15:27:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 15:26:58\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(513,41,1,'','2020-09-28 15:43:15',915,9219,'c590009e37d6a3bd5155eec3aeebd43b40633720','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong><u>Education <\\/u><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong><u>Experience <\\/u><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company. <u><\\/u><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong><u>Competence <\\/u><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3)\\u00a0\\u00a0\\u00a0\\u00a0 The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<br \\/> (4)\\u00a0\\u00a0\\u00a0\\u00a0 The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<br \\/> (5)\\u00a0\\u00a0\\u00a0\\u00a0 The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;<\\/li>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<\\/ul>\\r\\n<p>17. \\u00a0\\u00a0 Copy of the latest annual financial statements (if applicable).<br \\/> 18. \\u00a0\\u00a0 Copy of information security policy.<br \\/> 19. \\u00a0\\u00a0 Business continuity management plan.<br \\/> 20.\\u00a0\\u00a0\\u00a0 Fraud prevention policy.<br \\/> 21. \\u00a0\\u00a0 Human resource policies.<br \\/> 22. \\u00a0\\u00a0 Copy of disaster recovery plan.<br \\/> 23. \\u00a0\\u00a0 Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers. <br \\/> 24. \\u00a0\\u00a0 A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 15:43:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 15:38:26\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"42\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(516,43,1,'','2020-09-29 07:15:23',915,10080,'4c1951951074dea4fbe8e33c2cbaa50dcc80e541','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-<\\/li>\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0 \\u00a0<br \\/> <strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:<\\/li>\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months. (please create a link)<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<\\/p>\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<\\/li>\\r\\n<\\/ul>\\r\\n<ul type=\\\"disc\\\">\\r\\n<ul type=\\\"circle\\\">\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 07:15:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 07:15:04\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"84\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(521,49,1,'','2020-09-29 07:46:15',915,2736,'5178014f330c24a0176ce4b18fddaf4c46f9585d','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Voluntary cancellation - Credit Provider.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 07:46:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 07:42:04\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(522,50,1,'','2020-09-29 08:16:37',915,2565,'e5d4f74e5a9c8a5b3ecffd41a3b2f9c190c6d262','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Voluntary cancellation - Debt Counsellor.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:16:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:16:27\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"36\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(523,51,1,'','2020-09-29 08:23:07',915,2282,'0fc6bbe59148eae563db95fe7d6ca1f3d5e5c984','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Voluntary cancellation - ADR PDA  CB.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:23:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:21:04\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(524,53,1,'','2020-09-29 08:26:02',915,3003,'4ac05e2b2d14cf428efe8bfd96f85592bc707a2a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"Service Provider SA\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/Service Providers SA.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider SA<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR Scope of Work by Independent Auditors\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/0000 NCR SCOPE OF WORK BY INDEPENDANT AUDITOR.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Scope of Work by Independent Auditors\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Voluntary cancellation - ADR PDA  CB.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:26:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:25:45\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"22\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(525,54,1,'','2020-09-29 08:30:15',915,2528,'c8c81323f2662df9cbacf57fa3fe734596d0ed96','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Voluntary cancellation - ADR PDA  CB.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:30:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:30:03\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(531,94,1,'','2020-09-29 11:11:38',915,1805,'c063e32dc9ca6f148c661934bcc23044d16bd2d1','{\"id\":94,\"asset_id\":234,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:11:38\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(532,94,1,'','2020-09-29 11:11:45',915,1827,'ebd1c122f3dbff5be1c1fe683f85419048726ce3','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:11:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 11:11:38\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(533,94,1,'','2020-09-29 11:15:04',915,2855,'7c319ba2694b8722456294a4de09646303fded15','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Complete form 10 (create a link).<\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ol>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<ul>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<ol start=\\\"3\\\">\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:15:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 11:11:45\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(538,44,1,'','2020-09-29 11:45:56',915,11074,'728b0ac731f06027a239a5f29c97e40b0d97f3a9','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>13. Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<br \\/> 14. List of key contractors\\/outsourced service providers of the organization and the services that they provide;<br \\/> 15. Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<br \\/> 16. Copies of the HR policies and procedures:<\\/p>\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<p>17. Copy of the training budget.<br \\/> 18. Copy of the latest external audit management letter (if applicable).<br \\/> 19. Copy of the latest internal audit submission to the main Audit Committee (if applicable).<br \\/> 20. Copy of the latest management accounts.<br \\/> 21. Copy of the latest audited financial statements.<br \\/> 22. Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<br \\/> 23. Copy of the procedures that deal with the following:<\\/p>\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:45:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 11:44:18\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"48\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(539,44,1,'','2020-09-29 12:05:51',915,11140,'3f2f225260a805aa6ffb34f6319018de2b67e631','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<li>16. Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>17. Copy of the training budget.<br \\/> 18. Copy of the latest external audit management letter (if applicable).<br \\/> 19. Copy of the latest internal audit submission to the main Audit Committee (if applicable).<br \\/> 20. Copy of the latest management accounts.<br \\/> 21. Copy of the latest audited financial statements.<br \\/> 22. Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<br \\/> 23. Copy of the procedures that deal with the following:<\\/p>\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:05:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:02:23\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":22,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"51\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(540,44,1,'','2020-09-29 12:06:21',915,11082,'c46645eac51770c99668d2244e2a330df5a4de93','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>17. Copy of the training budget.<br \\/> 18. Copy of the latest external audit management letter (if applicable).<br \\/> 19. Copy of the latest internal audit submission to the main Audit Committee (if applicable).<br \\/> 20. Copy of the latest management accounts.<br \\/> 21. Copy of the latest audited financial statements.<br \\/> 22. Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<br \\/> 23. Copy of the procedures that deal with the following:<\\/p>\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:06:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:05:51\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":23,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(541,44,1,'','2020-09-29 12:09:33',915,11096,'36de3402c6bacf7192a27c057d4589c402c61f2a','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:09:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:06:21\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(542,44,1,'','2020-09-29 12:14:26',915,11117,'90762c05261a5418d455796880c0f510576e0a2c','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:14:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:09:33\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(543,44,1,'','2020-09-29 12:16:32',915,11113,'74b53ffb6c992f6cf5c54543092f5edc68c0ccbe','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:16:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:14:26\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(544,44,1,'','2020-09-29 12:17:30',915,11105,'cb67912064af623a41b92ad691e9937c74ab6ca8','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:17:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:16:32\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"57\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(545,94,1,'','2020-09-29 12:19:34',915,2940,'079fd99cf4099569a7d68d8282aa7e274c5a9942','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ol>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<ul>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<ol start=\\\"3\\\">\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:19:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:18:11\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(546,94,1,'','2020-09-29 12:21:21',915,2892,'42ade4b1bd9d0f56986b3b82c5fa50a95cc24382','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:21:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:19:34\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(547,44,1,'','2020-09-29 12:29:07',915,11166,'28d02a735defe993cb232aa7b46d901ec9651754','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:29:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:28:04\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(548,54,1,'','2020-09-29 12:30:12',915,2365,'725095a420b6c4cf4aacec295460fdb4133c8e8f','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:30:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:30:05\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(549,95,1,'','2020-09-29 13:51:18',915,1759,'07602d5e17b61748bbc7b9d9510ff6175bb34a36','{\"id\":95,\"asset_id\":235,\"title\":\"Success Stories\",\"alias\":\"success-stories\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-29 13:51:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 13:51:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 13:51:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(550,19,1,'','2020-09-29 13:52:04',915,4939,'0d49cdac4c3bc42930813f910ab026621a635a25','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department amended.pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=95&amp;catid=14\\\">Click here to view - Success Stories <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 13:52:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 13:51:53\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":46,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"312\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(551,43,1,'','2020-09-29 14:47:15',915,10067,'e9754b0a6cb164dc0c18e3d6e8bfab5f85cda2e4','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0 \\u00a0<br \\/> <strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:<\\/li>\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months. (please create a link)<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<\\/p>\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<\\/li>\\r\\n<\\/ul>\\r\\n<ul type=\\\"disc\\\">\\r\\n<ul type=\\\"circle\\\">\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 14:47:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:43:57\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"96\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(552,43,1,'','2020-09-29 14:55:27',915,10077,'5256a52cabd4c59cc3a557b97f91e7fa7f2424aa','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<\\/p>\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<\\/li>\\r\\n<\\/ul>\\r\\n<ul type=\\\"disc\\\">\\r\\n<ul type=\\\"circle\\\">\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 14:55:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:47:15\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"99\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(553,43,1,'','2020-09-29 14:59:18',915,10059,'5e43aa456c746630108e2825d064da1d7940313d','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 14:59:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:55:27\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"101\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(554,43,1,'','2020-09-29 15:01:28',915,10045,'693f5ee3dc30e9b8cb0c1f59ca876eca1e160e5f','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:01:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:59:18\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"103\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(555,43,1,'','2020-09-29 15:03:53',915,12224,'622f863265feb7223432862fd88aa6afdea926b1','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p>&lt;p&gt;&lt;strong&gt;Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;ol&gt;<br \\/>&lt;li&gt;A person must apply for registration as a credit provider if that person is-<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;The party who supplies goods or services under a discount transaction or instalment sale agreement;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party who advances money or credit under a pawn transaction;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party who extends credit under a credit facility;&lt;\\/li&gt;<br \\/>&lt;li&gt;The mortgagee under a mortgage agreement;&lt;\\/li&gt;<br \\/>&lt;li&gt;The lender under a secured loan;&lt;\\/li&gt;<br \\/>&lt;li&gt;The lessor under a lease;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party to whom an assurance or promise is made under a credit guarantee;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party who advances money or credit to another under any other credit agreement; or&lt;\\/li&gt;<br \\/>&lt;li&gt;Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;&lt;\\/li&gt;<\\/p>\\r\\n<p>&lt;li&gt;A juristic person or a natural person may apply for registration as a credit provider.&lt;\\/li&gt;<br \\/>&lt;li&gt;A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.&lt;\\/li&gt;<br \\/>&lt;\\/ol&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:&lt;\\/strong&gt;&lt;\\/p&gt;&lt;p&gt; &lt;strong&gt;Please note that your application will not be processed and\\/or considered without the following:&lt;\\/strong&gt;&lt;\\/p&gt;<\\/p>\\r\\n<p>&lt;ol&gt;<\\/p>\\r\\n<p>&lt;li&gt;Completed and signed application form (Form 2)&lt;\\/li&gt;<br \\/>&lt;li&gt;\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.&lt;\\/li&gt;<br \\/>&lt;li&gt;Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Certified copy of the identity document.&lt;\\/li&gt;<br \\/>&lt;li&gt;Part 7 (disqualification of natural person form)&lt;\\/li&gt;<br \\/>&lt;li&gt;Criminal clearance certificate not older than six (6) months)&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<br \\/>&lt;\\/li&gt;<\\/p>\\r\\n<p>&lt;li&gt;Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.&lt;\\/li&gt;<br \\/>&lt;li&gt;&lt;a href=\\\"..\\/documents\\/pages\\/registration&amp;amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"&gt;Resolution&lt;\\/a&gt;\\u00a0if applicant is a juristic person (see attached specimen).&lt;\\/li&gt;<br \\/>&lt;li&gt;A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0&lt;a href=\\\"..\\/documents\\/pages\\/registration&amp;amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"&gt;attached hereto&lt;\\/a&gt;\\u00a0marked A. The clearance certificate must not be older than six (6) months. &lt;\\/li&gt;<br \\/>&lt;li&gt;A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.&lt;\\/li&gt;<br \\/>&lt;li&gt;Proof of registration with the South African Revenue Services (SARS).&lt;\\/li&gt;<br \\/>&lt;li&gt;Proof of payment of the registration fees<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Non-refundable application fee of R550&lt;\\/li&gt;<br \\/>&lt;li&gt;Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.&lt;\\/li&gt;<br \\/>&lt;li&gt;Initial registration fee as indicated in the table below for each sub-category of registrant&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<br \\/>&lt;\\/li&gt;<br \\/>&lt;\\/ol&gt;<\\/p>\\r\\n<p>&lt;table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\"&gt;<br \\/>&lt;tbody&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td width=\\\"147\\\"&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Fee Category&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td width=\\\"417\\\"&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Description&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td width=\\\"510\\\"&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Fee&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 1&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R15 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R330 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 2&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R5 billion, but less than R15 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 3&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R1 billion, but less than R5 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 4&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R100 million, but less than R1 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 5&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R5 million, but less than R100 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 6&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R1 million, but less than R5 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 7&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R500 000, but less than R1 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R2 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 8&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R250 000, but less than R500 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R1 500&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 9&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt less than R250 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R1 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;\\/tbody&gt;<br \\/>&lt;\\/table&gt;<br \\/>&lt;ol&gt;<br \\/>&lt;li&gt;&lt;strong&gt;Providers of developmental credit (Section 41)&lt;\\/strong&gt;&lt;br \\/&gt; A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.&lt;\\/li&gt;<br \\/>&lt;li&gt;The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and&lt;\\/li&gt;<br \\/>&lt;li&gt;Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<br \\/>&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<\\/p>\\r\\n<p>&lt;\\/li&gt;<br \\/>&lt;li&gt; Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0&lt;br \\/&gt; (&lt;a href=\\\"..\\/documents\\/pages\\/registration&amp;amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"&gt;Preliminary Developmental credit guidelines&lt;\\/a&gt;)&lt;\\/li&gt;<br \\/>&lt;\\/ol&gt;<\\/p>\\r\\n<p>&lt;p&gt;&lt;strong&gt;&lt;em&gt;For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za&lt;\\/em&gt;&lt;\\/strong&gt;&lt;\\/p&gt;<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:03:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:01:28\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"104\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(556,43,1,'','2020-09-29 15:04:11',915,10107,'09ae771737a628e9afacbafb12ccb49aa9112972','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:04:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:03:53\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"105\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(557,43,1,'','2020-09-29 15:05:07',915,10095,'036f4514f955ef5c4ab31163490c8df863014454','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:05:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:04:11\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(558,96,1,'','2020-09-29 15:06:56',915,1805,'0bf5f3e977b8befc8e241323ecc985179ebf6f59','{\"id\":96,\"asset_id\":236,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:06:56\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(559,96,1,'','2020-09-29 15:07:04',915,1827,'60b1c2cf6bc239ef5d6a5d3e09c95bb088f90656','{\"id\":96,\"asset_id\":\"236\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cp\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:07:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:06:56\",\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(560,96,1,'','2020-09-29 15:07:52',915,2892,'093ee6cee991b633eb809decf88877427ed8c96c','{\"id\":96,\"asset_id\":\"236\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cp\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:07:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:07:42\",\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(561,49,1,'','2020-09-29 15:11:12',915,2556,'d4e17e9a3a0ddd727c14a89e8408599cf67187c4','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:11:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:11:04\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"68\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(562,43,1,'','2020-09-29 15:46:33',915,10099,'73907164b8fed57c09ff087f590b05100ca1dc69','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:46:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:45:15\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"113\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(563,96,1,'','2020-09-29 15:54:39',915,2907,'5fd691f9aeacb1290c4d5ab29cec655dd84879a5','{\"id\":96,\"asset_id\":\"236\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cp\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<ul>\\r\\n<li>stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/li>\\r\\n<li>specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Complete form 10.<\\/a><\\/li>\\r\\n<li>An affidavit\\u00a0or a letter from the accounting officer\\/Auditor confirming the reasons for cancellation and that the loan book balance is zero and or that the loan book has been taken over by another entity (Please mention the entity and their NCRCP number).<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:54:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:54:30\",\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(564,97,1,'','2020-09-29 16:20:13',915,2870,'ce82131ec7c8790505d71a77321e10c3ef66cf0e','{\"id\":97,\"asset_id\":237,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-29 16:20:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:20:13\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 16:20:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(565,97,1,'','2020-09-29 16:20:24',915,2893,'c1b2bc3fbcb6c973faeb8d34cc1401dda54da321','{\"id\":97,\"asset_id\":\"237\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-pda\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-29 16:20:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:20:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:20:13\",\"publish_up\":\"2020-09-29 16:20:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(566,98,1,'','2020-09-29 16:25:09',915,2870,'d3086b976bea19c9f8e95ef879c2da17ec0e0413','{\"id\":98,\"asset_id\":238,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-29 16:25:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:25:09\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 16:25:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(567,98,1,'','2020-09-29 16:26:00',915,2893,'3ccd2dde6c03e053c59f35dacf9a22a0cbf6e514','{\"id\":98,\"asset_id\":\"238\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-adr\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-29 16:25:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:26:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:25:09\",\"publish_up\":\"2020-09-29 16:25:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(568,53,1,'','2020-09-29 16:28:37',915,2840,'c7fe39f51c27bacd3ad55761f8feedbe56599978','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"Service Provider SA\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/Service Providers SA.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider SA<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR Scope of Work by Independent Auditors\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/0000 NCR SCOPE OF WORK BY INDEPENDANT AUDITOR.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Scope of Work by Independent Auditors\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:28:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:28:27\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(569,51,1,'','2020-09-29 16:29:00',915,2119,'1db5ce1b2b3fb5f400a12d4f2718d549e79b4070','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:29:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:28:49\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"38\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(573,99,1,'','2020-09-30 07:35:39',915,1805,'8e9da518162223c6674855a1a678a30aae570fc1','{\"id\":99,\"asset_id\":239,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-30 07:35:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:35:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-30 07:35:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(574,99,1,'','2020-09-30 07:35:48',915,1827,'5874d9efc2b545b3ba4da2d98e3ee7612af58e61','{\"id\":99,\"asset_id\":\"239\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-dc\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-30 07:35:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:35:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 07:35:39\",\"publish_up\":\"2020-09-30 07:35:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(575,99,1,'','2020-09-30 07:40:17',915,3089,'47c8a9e3f146022e5a0a4ccaa4210bb5d3981fee','{\"id\":99,\"asset_id\":\"239\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-dc\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<ul>\\r\\n<li>stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/li>\\r\\n<li>specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Additional Requirements for voluntary cancellation of registration<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit confirming that you do not have existing customers OR that your consumers have been taken over by another DC (Please mention the Debt Counsellor name and NCRDC registration number).<\\/li>\\r\\n<li>Provide acknowledgement letter from the Debt Counsellor receiving the files.<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<li>Attach to the said notice proof that all the affected consumers, payment distribution agents (PDAs) and all credit bureaux have been notified about the intended cancellation.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-30 07:35:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:40:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 07:35:48\",\"publish_up\":\"2020-09-30 07:35:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(576,50,1,'','2020-09-30 07:42:27',915,2386,'b99a83a70f788f3df27c7e6be3fed5901671bd65','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:42:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 07:42:19\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"41\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(577,40,1,'','2020-09-30 11:30:06',915,9761,'4ff746e840d4d8a4da975353b35f57b74a567250','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 11:30:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 11:29:51\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(578,40,1,'','2020-09-30 11:32:08',915,9764,'8b2b92ecb5324687373b444b7d4a4cc95c890e4c','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 11:32:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 11:30:06\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(579,51,1,'','2020-09-30 11:54:10',915,2296,'7d33157e4b622ee08690f610638e60c7524ffe46','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 11:54:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 11:52:17\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(580,41,1,'','2020-09-30 15:17:20',915,3381,'30185f58ed8a3dc95475126cc363f94723051cf8','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a)<strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><u>(b) Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:17:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:00:36\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"63\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(581,41,1,'','2020-09-30 15:22:29',915,5543,'d9d316c8de218272f68e34b15f20b7f728a03085','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:22:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:17:20\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"64\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(582,41,1,'','2020-09-30 15:29:02',915,7927,'ffba3f6807b73623401bb8c2c6677e628232b836','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:29:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:22:29\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"65\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(583,41,1,'','2020-09-30 15:34:17',915,9048,'d9a71d536c6dc0e485f74d59ea5ca9b86757ac2e','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>\\u00a0\\u00a0 Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.,<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:34:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:29:02\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"66\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(584,41,1,'','2020-09-30 15:36:47',915,9109,'9a3e1f9c112457fe9835f962ff9494e30cd2e8c7','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>\\u00a0\\u00a0 Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.,<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:36:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:34:17\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"67\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(585,53,1,'','2020-09-30 15:37:33',915,2368,'b4965d574f9c692d85dcade67f9b420c3f54a82a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:37:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:36:59\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(586,53,1,'','2020-09-30 15:39:44',915,2637,'09c28ec1bbb897ef089cd1bff7cd48ece770801a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Annexure Confirmation of payment of fees - PDA.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Annexure confirmation of payment of fees \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:39:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:37:33\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(614,100,1,'','2020-10-01 14:37:25',915,1897,'041f793dbf966dc0368041e34a464b58ca954a81','{\"id\":100,\"asset_id\":240,\"title\":\"NCR BBBEE CERTIFICATE \",\"alias\":\"ncr-bbbee-certificate-2\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C - GENERIC NCR BEE Certificate.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2020-10-01 14:37:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 14:37:25\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-01 14:37:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(615,39,1,'','2020-10-01 14:41:49',915,1913,'69c4448bffb8f9f3145197bd8969cc19e539a84f','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C - GENERIC NCR BEE Certificate.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 14:41:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 14:41:11\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"37\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(617,45,1,'','2020-10-01 15:06:56',915,5933,'d92f136313b338c54017a76ab23d5e961855183c','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto marked A<\\/a>. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:06:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:05:32\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(618,45,1,'','2020-10-01 15:10:53',915,6750,'7a153165e36ef9901ea68d15c45119a572bdb412','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:10:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:06:56\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(619,45,1,'','2020-10-01 15:12:24',915,6757,'9dd45b554ea288227a9ca2f2624049f189d9569f','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:12:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:10:53\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"51\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),