-- Table structure for table `zbk92_content`
--

CREATE TABLE `zbk92_content` (
  `id` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `asset_id` int(10) unsigned NOT NULL DEFAULT '0' COMMENT 'FK to the #__assets table.',
  `title` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `alias` varchar(400) CHARACTER SET utf8mb4 COLLATE utf8mb4_bin NOT NULL DEFAULT '',
  `introtext` mediumtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `fulltext` mediumtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `state` tinyint(3) NOT NULL DEFAULT '0',
  `catid` int(10) unsigned NOT NULL DEFAULT '0',
  `created` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `created_by` int(10) unsigned NOT NULL DEFAULT '0',
  `created_by_alias` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `modified` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `modified_by` int(10) unsigned NOT NULL DEFAULT '0',
  `checked_out` int(10) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `publish_up` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `publish_down` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `images` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `urls` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `attribs` varchar(5120) COLLATE utf8mb4_unicode_ci NOT NULL,
  `version` int(10) unsigned NOT NULL DEFAULT '1',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `metakey` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `metadesc` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `access` int(10) unsigned NOT NULL DEFAULT '0',
  `hits` int(10) unsigned NOT NULL DEFAULT '0',
  `metadata` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `featured` tinyint(3) unsigned NOT NULL DEFAULT '0' COMMENT 'Set if article is featured.',
  `language` char(7) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'The language code for the article.',
  `xreference` varchar(50) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'A reference to enable linkages to external data sets.',
  PRIMARY KEY (`id`),
  KEY `idx_access` (`access`),
  KEY `idx_checkout` (`checked_out`),
  KEY `idx_state` (`state`),
  KEY `idx_catid` (`catid`),
  KEY `idx_createdby` (`created_by`),
  KEY `idx_featured_catid` (`featured`,`catid`),
  KEY `idx_language` (`language`),
  KEY `idx_xreference` (`xreference`),
  KEY `idx_alias` (`alias`(191))
) ENGINE=InnoDB AUTO_INCREMENT=143 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_content`
--

INSERT INTO `zbk92_content` (`id`, `asset_id`, `title`, `alias`, `introtext`, `fulltext`, `state`, `catid`, `created`, `created_by`, `created_by_alias`, `modified`, `modified_by`, `checked_out`, `checked_out_time`, `publish_up`, `publish_down`, `images`, `urls`, `attribs`, `version`, `ordering`, `metakey`, `metadesc`, `access`, `hits`, `metadata`, `featured`, `language`, `xreference`) VALUES (1,57,'WELCOME TO THE NATIONAL CREDIT REGULATOR','welcome-to-the-national-credit-regulator','<p>The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.</p>\r\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.</p>\r\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.</p>','',0,2,'2019-03-06 15:18:44',915,'','2021-08-03 15:58:02',915,0,'0000-00-00 00:00:00','2019-03-06 15:18:44','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',13,7,'','',1,14211,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',1,'*',''),(2,61,'If you have to borrow, borrow wisely!','if-you-have-to-borrow-borrow-wisely','<h3 align=\"right\">January 2019</h3>\r\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.</p>\r\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers / accounts that are three or more months in arrears.</p>\r\n<p>“Consumers who need to borrow money to get by should only borrow from registered credit providers”, says Sebothoma. “They should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers”, he adds. It is a criminal offence for a credit provider to take and retain consumers’ instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.</p>\r\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.</p>\r\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.</p>\r\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.</p>\r\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer’s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.</p>\r\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. “Consumers should not rush to signing anything at this point until they are clear and certain”, he adds.</p>\r\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak11190\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or <br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak13066\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-03-06 15:23:09',915,'','2019-06-05 12:11:16',915,0,'0000-00-00 00:00:00','2019-03-06 15:23:09','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',4,56,'','',1,2897,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(3,62,'National Credit Regulator issues a public warning against fake loan scams','national-credit-regulator-issues-a-public-warning-against-fake-loan-scams','<p align=\"right\">January 2019</p>\r\n<p>[<strong>JOHANNESBURG</strong>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.</p>\r\n<p>These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR. </p>\r\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.  This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added. </p>\r\n<p>The fake credit providers would generally use the details of legitimate credit providers and attempt to make one believe that they are endorsed by government agencies such as the NCR, one must not be misled and can look out for the typical signs.  </p>\r\n<p>Below is general advise for consumers to avoid scams:</p>\r\n<ul>\r\n<li>Treat all unexpected calls, emails and sms messages with caution. Don’t assume they’re genuine, even if the person seems to know some basic information about you, such as your name;  </li>\r\n<li>Look out for the name on all e-mails, in case it is a ‘clone company’ pretending to be a real credit provider.</li>\r\n<li>Do not pay any upfront fees to release your loans. The National Credit Act does not allow credit providers to request upfront payments for the release of a loan, if the ‘credit provider makes this request, do not engage further and report to the relevant authorities, such as the NCR or the SAPS;</li>\r\n<li>Be aware of platforms and hidden fees included for sourcing a loan;</li>\r\n<li>Don’t be pressured into acting quickly. A genuine credit provider won’t mind waiting if you want time to think and compare the costs of credit by using a quotation;</li>\r\n<li>Do not engage with credit providers who do not conduct affordability assessments.  Furthermore, never give false or incorrect information on a credit application about your financial affairs.  Always disclose your financial obligations and living expenses fully.</li>\r\n<li>Never borrow from an unregistered credit provider.</li>\r\n</ul>\r\n<p>‘If the proposal is too good to be true, it usually is’.</p>\r\n<p>If a consumer is unsure or in doubt about the legitimacy of the credit provider or agreement, they should contact the NCR on (011 554 2600/2700 or visit our website at <a href=\"../\">www.ncr.org.za</a>.</p>\r\n<p>Issued by: The National Credit Regulator</p>\r\n<p align=\"center\">Ends</p>\r\n<hr />','',1,8,'2019-03-06 15:23:28',915,'','2019-06-05 12:14:40',915,0,'0000-00-00 00:00:00','2019-03-06 15:23:28','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',5,55,'','',1,2770,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(4,63,'The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling','national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2','<p><!--<img src=\"images/fake loan.jpeg\" alt=\"\" />-->[<b>JOHANNESBURG</b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.</p>\r\n<p>These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR. </p>\r\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.  This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added. </p>','',1,8,'2019-03-06 15:23:49',915,'','2019-03-18 15:55:08',915,0,'0000-00-00 00:00:00','2019-03-06 15:23:49','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',4,54,'','',1,1669,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(5,64,'Know your rights - Do not to pay any upfront fees when applying for loans','the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services','<p><!--<img src=\"images/images.jpg\" alt=\"\" />-->The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal. <br /><br />Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.  <br /><br />“Credit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and / or the value of the principal debt”, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.</p>','',1,8,'2019-03-06 15:24:12',915,'','2019-03-18 15:54:50',915,0,'0000-00-00 00:00:00','2019-03-06 15:24:12','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',4,52,'','',1,1838,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(6,65,'If you can no longer afford to pay your debts, debt counselling could be of help','if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help','<h3 align=\"right\">January 2019</h3>\r\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.</p>\r\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers / accounts that are three or more months in arrears.</p>\r\n<p>“Consumers who need to borrow money to get by should only borrow from registered credit providers”, says Sebothoma. “They should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers”, he adds. It is a criminal offence for a credit provider to take and retain consumers’ instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.</p>\r\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.</p>\r\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.</p>\r\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.</p>\r\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer’s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.</p>\r\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. “Consumers should not rush to signing anything at this point until they are clear and certain”, he adds.</p>\r\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak11190\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or <br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak13066\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-03-06 15:24:39',915,'','2019-06-05 12:08:06',915,0,'0000-00-00 00:00:00','2019-03-06 15:24:39','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',6,53,'','',1,1720,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(7,90,'Credit Provider Compliance','compliance','<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/Website additions Market Conduct.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>Prescribed Statutory Reporting (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> </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>Language Policy Review\r\n<ul>\r\n<li><a href=\"documents/pages/1st year review language policy.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</ul>\r\n</li>\r\n</ol>','',1,10,'2019-03-14 15:14:48',915,'','2020-10-06 09:06:41',915,0,'0000-00-00 00:00:00','2019-03-14 15:14:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',18,1,'','',1,44680,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(8,92,'Investigations and Enforcement','investigations-and-enforcement','<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’s instruments such as identity documents, bank cards, SASSA cards and bank pins.</p>\r\n<h3>Notable Cases</h3>\r\n<p> {loadmodule mod_easyaccordioncontent,Cases}</p>','',1,11,'2019-03-14 15:18:28',915,'','2020-09-23 14:40:08',915,0,'0000-00-00 00:00:00','2019-03-14 15:18:28','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',44,0,'','',1,30316,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(9,96,'Debt Counselling','debt-counselling','','',-2,12,'2019-03-15 12:27:38',915,'','2019-03-15 12:27:38',0,0,'0000-00-00 00:00:00','2019-03-15 12:27:38','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,0,'','',1,233,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(10,99,'Compliance','compliance-2','<h3>Relevant Sections</h3>\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/registration&amp;compliance/compliance&amp;reports/relevant_sections/debt_counsellors_compliance_report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counsellors Compliance Reports</a></li>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/credit_bureau_annual_compliance_report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Bureau Compliance Reports</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/Form 39.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Statistical Returns (Form 39)</a></li>\r\n</ul>\r\n<p> </p>','',0,10,'2019-03-15 12:28:59',915,'','2019-05-20 12:10:18',915,0,'0000-00-00 00:00:00','2019-03-15 12:28:59','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,0,'','',1,25,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(11,101,'Education and Communications','education-and-communications','','',0,15,'2019-03-15 12:29:42',915,'','2019-03-15 12:29:42',0,0,'0000-00-00 00:00:00','2019-03-15 12:29:42','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,7,'','',1,538,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(12,102,'Registrations','registrations','','',1,13,'2019-03-15 13:14:46',915,'','2019-03-15 13:14:46',0,0,'0000-00-00 00:00:00','2019-03-15 13:14:46','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,1,'','',1,4198,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(13,103,'Complaints','complaints','','',1,14,'2019-03-15 13:16:39',915,'','2019-03-15 13:16:39',0,0,'0000-00-00 00:00:00','2019-03-15 13:16:39','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,6,'','',1,2128,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(14,104,'About us','about-us','<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.</p>\r\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.</p>\r\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and with the enforcement of compliance with the Act.</p>\r\n<p>For further information refer to the <a href=\"../documents/pages/1. The NCR (section 12-23).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Act</a></p>\r\n<p> </p>','',1,2,'2019-03-18 12:48:06',915,'','2019-08-07 07:42:24',915,0,'0000-00-00 00:00:00','2019-03-18 12:48:06','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"0\",\"show_print_icon\":\"0\",\"show_email_icon\":\"0\",\"show_vote\":\"0\",\"show_hits\":\"0\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',9,6,'','',1,2525,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(15,107,'Careers','careers','','',-2,2,'2019-03-18 16:02:32',915,'','2019-03-19 06:33:44',915,0,'0000-00-00 00:00:00','2019-03-18 16:02:32','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,8,'','',1,815,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(16,108,'Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape','joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape','<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.</p>\r\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters. </p>\r\n<p>The focus of this kind of operation is primarily to identify credit providers who are unlawfully retaining pension cards, bank cards, identity documents and personal identity numbers (PIN) of their clients as surety. “Retaining these cards is a contravention of the National Credit Act (NCA) and it is a criminal offence”, says Jacqueline Peters Manager of the Investigations and Enforcement Department at the National Credit Regulator. </p>\r\n<p>Peters says this operation will not be the last of its kind in the region. SASSA and the Office of the Consumer Protector will continue to work together to root out predatory practices and to ensure that all credit providers, no matter where they conduct business, comply with the provisions of the National Credit Act. “The exploitation of vulnerable and unsuspecting consumers by credit providers will not be tolerated,” added Peters.</p>\r\n<p>“Consumers are cautioned to avoid credit providers who require them to hand over their identity books or SASSA cards as it is a criminal offence and it is usually coupled with reckless lending and overcharging”, concludes Peters.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br />The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p> </p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak28443\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span></p>\r\n<p align=\"center\">Or<br />Lebogang Selibi<br />(011)  554-2722<br />E-mail: <span id=\"cloak63445\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-03-19 06:33:16',915,'','2019-04-24 10:39:34',915,0,'0000-00-00 00:00:00','2019-03-19 06:33:16','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',4,51,'','',1,3315,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(17,110,'Media','media','','',1,17,'2019-03-26 08:44:52',915,'','2019-03-26 08:44:52',0,0,'0000-00-00 00:00:00','2019-03-26 08:44:52','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,3,'','',1,4409,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(18,112,'Educational Information And Brochures','educational-information-and-brochures','<table style=\"height: 86px;\" width=\"700\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><strong>Sinking into Debt </strong></td>\r\n<td valign=\"top\"><strong>Take Control of Your Finances</strong></td>\r\n<td valign=\"top\"><strong>Introductory Brochure</strong>  </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/SID_thumb_eng.jpg\" alt=\"\" /></td>\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/the_guide.jpg\" alt=\"\" /></td>\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/pub_04.jpg\" alt=\"\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Credit Bureau and your Right</strong></td>\r\n<td><strong>The National Credit Act and <br />the National Credit Regulator</strong></td>\r\n<td valign=\"top\"><strong>NCR Consumer Booklet</strong></td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/pub_03.jpg\" alt=\"\" /></td>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/NCRA.jpg\" alt=\"\" /></td>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/Consumer_Booklet.jpg\" alt=\"\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2019-03-26 08:55:43',915,'','2019-03-26 08:55:43',0,0,'0000-00-00 00:00:00','2019-03-26 08:55:43','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,2,'','',1,1995,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(19,113,'Complaints','how-to-lodge-a-complaint','<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 </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> </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’s 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> <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a> <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>','',1,14,'2019-03-26 09:07:47',915,'','2023-11-29 08:29:45',915,0,'0000-00-00 00:00:00','2019-03-26 09:07:47','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',50,5,'','',1,55776,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(20,115,'Provincial Consumer Affairs Offices','provincial-consumer-affairs-department','<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}</p>','',1,18,'2019-03-26 09:37:02',915,'','2021-01-27 14:36:31',915,0,'0000-00-00 00:00:00','2019-03-26 09:37:02','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',18,2,'','',1,23405,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(21,117,'Download the National Credit Act','download-the-act','<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;</p>\r\n<ul>\r\n<li>to promote black economic empowerment and ownership within the consumer credit industry;</li>\r\n<li>to prohibit certain unfair credit and credit-marketing practices;</li>\r\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;</li>\r\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;</li>\r\n<li>to establish national norms and standards relating to consumer credit;</li>\r\n<li>to promote a consistent enforcement framework relating to consumer credit;</li>\r\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;</li>\r\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.</li>\r\n</ul>\r\n<p><a href=\"documents/pages/download_act/NATIONAL_CREDIT_ACT.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here to download the act</a></p>\r\n<p><a href=\"documents/pages/download_act/National Credit Amendment Act 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here to download the National Credit Amendment Act 2019</a></p>\r\n<p><a href=\"documents/pages/download_act/National Credit Amendment Act of 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here to download the National Credit Amendment Act of 2014</a></p>\r\n<h4>National Credit Regulations</h4>\r\n<ul>\r\n<li><a href=\"documents/pages/Acts/Final Credit Life Insurance Regulations.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Final Credit Life Insurance Regulation</a></li>\r\n<!--<li><a href=\"documents/pages/Acts/SKM_C284e15111716420.compressed.pdf\" target=\"_blank\">Draft Credit Life Insurance Regulation, 2015</a></li>-->\r\n<li><a href=\"documents/pages/Acts/SKM_C284e15110908440.compressed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Review of Limitations on Fees and Interest Rates Regulations</a></li>\r\n<li><a href=\"documents/pages/Acts/NEW FEE STRUCTURE.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">New Fee Structure</a></li>\r\n</ul>\r\n<h4> </h4>','',1,19,'2019-03-26 09:46:26',915,'','2022-10-07 15:03:49',915,0,'0000-00-00 00:00:00','2019-03-26 09:46:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',14,2,'','',1,89638,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(22,118,'Over-Indebtedness','over-indebtedness','<p>Consumers are advised to seek help during these tough economical times, instead of rushing to apply for more credit in order to pay off their debts. The NCR as part of our mandate to educate and protect consumers have devised a “Self Help” document for consumers to help you cope with debt stress.</p>\r\n<p>The following are tips from the NCR:</p>\r\n<p>1.  Know your Financial Status</p>\r\n<p>1.1 Know all your creditors – create a spread sheet of all your accounts/debts as well as monthly expenditure.</p>\r\n<p>1.1.1 Have a spending plan and stick to it!</p>\r\n<p>1.1.2 List all your expenses e.g.</p>\r\n<ul>\r\n<li>Rent/mortgage</li>\r\n<li>Water/electricity/rates</li>\r\n<li>Grocery</li>\r\n<li>Transport</li>\r\n<li>School/crèche fees</li>\r\n<li>Medical expenses (if not on medical aid)</li>\r\n<li>Insurances</li>\r\n<li>Bank charges (estimate, based on statement)</li>\r\n</ul>\r\n<p>1.2 Compare your total monthly income with your total expenditure</p>\r\n<p>1.3 If your expenditure is more than your income </p>\r\n<p>DO SOMETHING ABOUT IT!</p>\r\n<p>2. Communicate with your Credit Providers</p>\r\n<p>2.1 Know all your credit providers’ contact details and keep your account statements in a safe place.</p>\r\n<p>2.2 When you are experience problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.</p>\r\n<p>2.3 Always explain your situation if you cannot afford to pay your instalments.</p>\r\n<p>2.4 Do not promise to pay what you don’t have. Rather negotiate for lower instalments than skip payments.</p>\r\n<p><strong>Here are some useful contact details: </strong></p>\r\n<ul>\r\n<li><strong>ABSA</strong> - ABSA Customer Debt Repair Line: 0860 356 356</li>\r\n<li><strong>Nedbank</strong> - Debt Rehabilitation &amp; Recoveries Services: 0860 109 279</li>\r\n<li><strong>Standard Bank</strong> - Contact your Standard bank branch</li>\r\n<li><strong>First National Bank</strong> - Debt Review centre – 0860 362 002</li>\r\n</ul>\r\n<p>3. Avoid getting more Debt. Rather downgrade and change your lifestyle!</p>\r\n<p>3.1 <strong>Things you need to cut/adjust are:</strong></p>\r\n<ol>\r\n<li>Domestic worker (unless this is the substitute for crèche)</li>\r\n<li>Alcohol</li>\r\n<li>Tobacco / cigarettes</li>\r\n<li>Entertainment</li>\r\n<li>Club membership</li>\r\n<li>M-Net, DSTV</li>\r\n<li>Holiday clubs</li>\r\n<li>Gambling</li>\r\n<li>If you are driving an expensive car consider a down grade for a less expensive car. This will reduce your monthly instalment thus enabling you to pay other debts.</li>\r\n<li>If you are no longer able to afford the house you live in, consider selling it and getting something more reasonable.</li>\r\n<li>Where possible use public transport.</li>\r\n<li>Go to your financial advisor and have another look at the insurance contracts that you have. Contact an independent financial advisor. Contact details are available at the FSB at 012 428 8000.You may find that you do not really need some of them.</li>\r\n<li>Use any savings you making from your adjustment to pay the most expensive loans such as micro loans followed by your credit card.</li>\r\n</ol>\r\n<p>4. Look twice for a better price</p>\r\n<ul>\r\n<li>4.1 When you do your groceries do price comparison across major stores and settle for less. Only buy items that you cannot survive without and look for specials.</li>\r\n<li>4.2 No-name brands are usually cheaper and are sometimes of good quality.</li>\r\n<li>4.3 Fresh/loose vegetables are cheaper than prepared/frozen vegetables.</li>\r\n</ul>\r\n<p>5. If you need support and a helping hand</p>\r\n<ul>\r\n<li>5.1 Contact a debt counsellor, call 0860 627 627 to locate one in your area or log onto www.ncr.org.zaand click on “register of registrants”, then select debt counsellors.</li>\r\n<li>5.2 Once you are under debt counselling, you will not be allowed to access credit until you have received a clearance certificate from a debt counsellor.</li>\r\n<li>5.3 If and when you receive letters from your creditors do not ignore them, take them seriously, act on them and seek help!!</li>\r\n</ul>\r\n<p>6. If you are facing repossession seek advice and remember , you have Rights as well !</p>\r\n<ul>\r\n<li>6.1 According to the National Credit Act you have certain rights when you want to surrender goods to your credit provider;</li>\r\n<li>6.2 You also have rights when the credit provider enforces the debt using repossession.</li>\r\n</ul>','',1,15,'2019-03-26 11:12:22',915,'','2020-02-24 12:12:46',915,0,'0000-00-00 00:00:00','2019-03-26 11:12:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,6,'','',1,52282,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(23,119,'Consumer Assistance','consumer-assistance','<p>A consumer may apply to a Debt counsellor to be declared over-indebted. If the debt counsellor finds that the consumer is indeed over-indebted, he/she will make a recommendation to the Magistrate’s Court for the consumer to be declared over-indebted. The Court may in turn re-organise the consumer’s debt by extending the term of any agreement, postponing payments, recalculating unlawful fees or interest and may order adjustments to improperly charged items.</p>\r\n<p>If a debt counsellor finds that a consumer is not over-indebted, he/she will provide the consumer with a letter of rejection. The consumer may then appeal to court for a review of the counsellor’s decision.</p>\r\n<p>A consumer who is over-indebted may approach a debt counsellor directly, or he/she may be referred to a debt counsellor by his/her creditor/s or by the magistrate court. </p>\r\n<p>Please click on any of the following regions to find counselling services in your area, or if you are looking for a Debt Counsellor please go to the <a href=\"../register_of_registrants/index.html\">Register of Registrants</a> page:</p>','',1,15,'2019-03-26 11:13:12',915,'','2020-09-15 07:35:27',915,0,'0000-00-00 00:00:00','2019-03-26 11:13:12','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',3,5,'','',1,71934,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(24,123,'Latest News','latest-news','<div style=\"background: #dbdbdb; padding: 10px;\">\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Debt counselling-a debt relief measure for over-indebted consumers</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his/her income is not sufficient to cover...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=129&amp;catid=8\">Read More...</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Young Black Industrialist Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Young BI entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Women Black Industrialist Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Women BI entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Sustainability BI entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Job Creation Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Job creation Black Industrialist final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Information consent and indemnity form - Black Industrialist and Exporters Awards</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Black Industrialists entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Exporters Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/BI Exporter entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Keep your credit bureau record clean regardless of the rising cost of living</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Misleading advertising on Social Media platforms regarding debt counselling</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Consumer rights in the digital world</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted “#BetterDigitalWorld” as its theme.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Consumers are encouraged to borrow wisely and start saving</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year’s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">It is illegal for a credit provider to take a consumer’s ID or cards when granting credit</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">“In terms of the National Credit Act, it is illegal for credit providers to retain consumers’ instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers”..</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Looting mayhem has cost some consumers dearly</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Debt counselling offers new lease of life for over-indebted consumers</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Men and finances</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African’s owe in terms of credit which is made up of amongst...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Alternative Data Landscape in South Africa</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The material in this work is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"http://www.ncr.org.za/documents/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Credit extension slows down</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to “Debt Intervention”</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The NCR and the Credit Ombud rowing together in the same boat.</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Industry Communique for issuing 1 Febr 2021</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Covid-19 impact on credit extension</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Debt counselling provides hope for those in need</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/88-debt-counselling-provides-hope-for-those-in-need\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Avoid panic buying as it may lead to over-indebtedness</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div class=\" portlet-content-container\">\r\n<div class=\"portlet-body\">\r\n<div class=\"journal-content-article\">\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Avoid panic buying as it may lead to over-indebtedness</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Know your Consumer Rights and be protected</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/75-know-your-consumer-rights-and-be-protected\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The Tribunal rules that child support and foster care grants cannot be used as consumer’s income to apply for credit</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/8-latest-news/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the “on the road” fee, admin fee and handling fee on credit agreements.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\">Credit extension seasonally surges</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/61-credit-extension-seasonally-surges\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">If you have to borrow, borrow wisely!</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/2-if-you-have-to-borrow-borrow-wisely\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">National Credit Regulator issues a public warning against fake loan scams</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Do not overdo it this festive season – Spend Wisely!</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/56-do-not-overdo-it-this-festive-season-spend-wisely\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The Supreme Court of Appeal dismisses the MFSA’s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa’s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div id=\"backnewsbottom\"><!--<p class=\"backbottom\"><a href=\"../web/department-of-transport/news-archive\">News Archive</a></p>-->\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\">More Articles...</a></p>\r\n<!--<p class=\"backbottom\">{loadmodule mod_articles_category,News listing}</p>--></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>','',1,8,'2019-03-27 14:00:25',915,'','2022-08-10 12:55:37',915,915,'2023-06-28 14:17:57','2019-03-27 14:00:25','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',87,48,'','',1,265644,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(25,125,'Circulars','circulars','','\r\n<p> </p>\r\n<table class=\"table table-bordered table-striped\" style=\"width: 100%;\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 108px;\">November 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 6of 2023- Emoulument Attachment Orders.pdf\">Circular 6 of 2023 - Emolument attachment orders and other related matterst</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 05 September 2023.pdf\">Circular 5 of 2023 - Impact of extended power supply failure/loadshedding to the consumer credit market</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04 August 2023.pdf\">Circular 4 of 2023 - Notice to registrants: obstructive behaviour during an investigation</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 03 June 2023 amended.pdf\">Circular 3 of 2023 - Annual renewal of registration</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\">Circular 1 of 2023 - NCR contact details</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2022</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04 of 2022-Sale of personal information.pdf\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2022</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2022</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 02 of 2022-Revised DHS procedure.pdf\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J</a><br /> <a href=\"documents/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\">Explanatory note to the withdrawal guidelines 1 of 2021</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\">Circular 6 of 2021 - Process of dealing with edgars/jet on-sale accounts </a><br /> <a href=\"documents/Circulars/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04.pdf\">Circular 4 of 2021 - NCR’s banking details have not changed </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/CIRCULAR 03 OF 2021...pdf\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular on ADR Agents 03.pdf\">Circular 2 of 2021 - Circular on ADR agents </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\" height=\"33\">January 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">November 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 10 2020- DC misleading marketing practices.pdf\">Circular 10 2020 - DC misleading marketing practices.pdf </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">July 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-09-of-2020.pdf\">Circular 09 of 2020 - Submission of the quarterly returns </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">July 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-08-of-2020.pdf\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\">Circular 07 of 2020 - Update on the extension of the NCA business days </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-06-of-2020.pdf\">Circular 06 of 2020 - Submission of credit information during covid-19 period </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-05-of-2020- Emergency Loan Guideline.pdf\">Circular 05 of 2020 - Emergency loan guideline </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04 of 2020- Extension of quarterly stats submission.pdf\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-03-of-2020 (justified).pdf\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-02-of-2020.pdf\">Circular 02 of 2020</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-01-of-2020.pdf\">Circular 01 of 2020</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-07-of-2019 23.pdf\">Circular 07 of 2019 </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">July 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 06 of 2019- NCR Webinars.pdf\">Circular 06 of 2019 - NCR Webinars</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-05-of-2019.pdf\">Circular 05 of 2019 - DC Court Challenges</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-04-of-2019.pdf\">Circular 04 of 2019 is applicable to all registered credit bureaux.</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-03-of-2019.pdf\">Circular 03 of 2019 - Updates from the credit industry forum</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-02-of-2019.pdf\">Circular 02 of 2019 - Updates from the credit industry forum</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">January 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-01-of-2019.pdf\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">November 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 11 OF 2018.pdf\">Circular 11 of 2018 - Fraud or Unethical Behaviour</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\">Circular 06 of 2018 - Request for written comments - reckless lending fee category</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR Circular 05 September 2018.pdf\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR Circular 04 of August 2018.pdf\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\">Circular 3 of 2018 - NCR New Enhanced Debt Help System</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular New Debt Counsellor Fees 1.pdf\">Circular no 01 of 2018 -new debt counsellor fees</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 14 OF 2017.pdf\">Circular no 14 of 2017 – consumer transfer notice of the lapsed and voluntary de-registered debt counsellors</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 12 of 2017- Proposed DC fee structure.pdf\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/DHS Automated transfers circular .pdf\">Circular 11 of 2017 - dhs new functionalities</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 9 OF 2017.pdf\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Updated Lapsed Report.xlsx\">Updated Lapsed Report</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/CIRCULAR 8  CONTACT DETAILS.pdf\">Circular 8 of 2017 – NCR contact details</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf\">Circular 7 of 2017 - debt counselling call centres</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 6 of 2017- Section 71.pdf\">Circular 6 of 2017 - interpretation of section 71 of the nca</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular No5 .pdf\">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf\">Circular 4 of 2017 – NCR’s banking details have not changed</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 03 of 2017- DC fees review.pdf\">Circular 3 of 2017 – review of debt counselling fees</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Annual Renewal of Registrations.pdf\">Circular 2 of 2017 – annual renewal of registration</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">January 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 1 of 2017-DCRS.pdf\">Circular 1 of 2017 – debt counselling rules system</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--\r\n\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf\">Circular 7 of 2017 - debt counselling call centres</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 6 of 2017- Section 71.pdf\">Circular 6 of 2017 - interpretation of section 71 of the nca</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular No5 .pdf\">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf\">Circular 4 of 2017 – NCR’s banking details have not changed</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 03 of 2017- DC fees review.pdf\">Circular 3 of 2017 – review of debt counselling fees</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Annual Renewal of Registrations.pdf\">Circular 2 of 2017 – annual renewal of registration</a></p>\r\n<p style=\"font-weight: bold;\">January 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 1 of 2017-DCRS.pdf\">Circular 1 of 2017 – debt counselling rules system</a></p>\r\n<p style=\"font-weight: bold;\">November 2016</p>\r\n<p><a href=\"documents/Circulars/1349AD NCR CIRCULAR 24 OF 2016.pdf\">Circular No. 24/November 2016 replaces Circular No. 2/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines – Guidelines No. 003/2009 and 001/2014.</a></p>\r\n<p style=\"font-weight: bold;\">October 2016</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 23 OF 2016.pdf\">Circular No. 23 / October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.</a></p>\r\n<p><a href=\"documents/Circulars/SKM_754e16100415260.pdf\">Circular No. 3 / October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended</a></p>\r\n<p style=\"font-weight: bold;\">September 2016</p>\r\n<p><a href=\"documents/Circulars/September_2016/1203AD NCR CIRCULAR 18 OF 2016.pdf\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act</a></p>\r\n<p><a href=\"documents/Circulars/September_2016/Circular No19 Employed Debt Counsellors.pdf\">Circular 19 of 2016: Employed Debt Counsellors</a></p>\r\n<p><strong>July 2016</strong></p>\r\n<p><a title=\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \" href=\"documents/Circulars/July 2016/1120AD NCR CIRCULAR 15 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount </a></p>\r\n<p><a title=\"Circular No. 14 of 2016 : Aternative dispute resolution agents \" href=\"documents/Circulars/July 2016/1119AD NCR CIRCULAR 14 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2016: Aternative dispute resolution agents </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">June 2016</strong></p>\r\n<p><a title=\"Circular No. 13 of 2016 : Updates from the credit industry forum \" href=\"documents/Circulars/Circular 13 of 2016- CIF Updates.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2016: Updates from the credit industry forum </a></p>\r\n<p><a title=\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \" href=\"documents/Circulars/1090AD NCR Circular 12 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees</a></p>\r\n<p>C<a title=\"Circular No. 8 of 2016 : The review of limitations on fees and interest\r\nrates regulations \" href=\"documents/Circulars/1051AD NCR CIRCULAR 8 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations </a></p>\r\n<p><a title=\"Circular No. 7 of 2016 : Debt Help System Enhancements \" href=\"documents/Circulars/Circular No7 DHS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 7 of 2016: Debt Help System Enhancements </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">May 2016</strong></p>\r\n<p><a title=\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus \" href=\"documents/Circulars/1060AD NCR Circular 9 Rev 2 (2).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">March 2016</strong></p>\r\n<p><a title=\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\" href=\"documents/Circulars/Circular No6_Payments of Debt Counsellor fees.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2016</strong></p>\r\n<p><a title=\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\" href=\"documents/Circulars/165 AD NCR Circulars of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 5 of 2016: Payment of Debt Counselling Fees</a></p>\r\n<p><a title=\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\" href=\"documents/Circulars/161AD NCR Circular 4 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape</a></p>\r\n<p><a title=\"Circular No. 2/ February 2016\" href=\"documents/Circulars/152AD NCR Circular2 297x210 Rev2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 2/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003/2009</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2016</strong></p>\r\n<p><a title=\"Circular No. 3 of 2016: Annual Renewal of Registration\" href=\"documents/Circulars/154AD NCR Circular 3 of 2016 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 3 of 2016: Annual Renewal of Registration</a> </p>\r\n<p><a title=\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\" href=\"documents/Circulars/149AD NCR Circular 1 of 2016 297x210.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2015</strong></p>\r\n<p><a href=\"documents/pages/circulars/Nov2015/3594 NCR Circular .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">September 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Sep15/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/DC_Information_Update_Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counsellor information update form</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">August 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Aug2015/Return Of Funds - Circular 13-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">July 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/July2015/Circ 12-Aug20151.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 12 of 2015: Replacement of Registration Certificates</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2015/Transfer%20Notice.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 07 of 2015: Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Fraud%20Circ%20(02-2015)1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 06 of 2015: Fraud or Unethical Behavior</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/TTA Guidelines Final .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Withdrawal from debt review guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 002 of 2015: Withdrawal Guidelines</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circ 04-Jan15 - Proposed process for end balance differences.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 04 of 2015:  Proposed Process for End Balance Differences</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Debt Review Task Team Agreements.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Industry DevTrends and Practices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 01 of 2015: Industry Developments, Trends and Practices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">December 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/dec2014/Cirular 18 Festive Breaks .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 18 of 2014: Debt Counselling Festive Breaks</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Compilation Registrants 16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 15 - DCRS.PDF\">Circular No 15 of 2014: Debt Counselling Rules System</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 14 - Termination Notices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 14 of 2014: Section 86(10) Termination Notices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2014/Circular (Voluntary Debt Mediation).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2014: Voluntary Debt Mediation</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">October 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/october14/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 - Lapse Of Registration</a></li>\r\n</ul>\r\n<p><strong>September 2014</strong></p>\r\n<ul>\r\n<li><strong><a href=\"documents/pages/circulars/sep2014/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 : Lapse Of Registration</a></strong></li>\r\n</ul>\r\n<p><strong>June 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/june2014/Circular (No.09-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries</a></li>\r\n</ul>\r\n<p><strong>May 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular (No.08-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.8 of 2014 : Update from Credit Industry Forum</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular no. 7 of 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.7 of 2014 : Financial compliance monitoring tool</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Final Monitoring Tool.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Final Monitoring Tool</a></li>\r\n</ul>\r\n<p><strong>April 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2014/Circular_5_of_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool</a></li>\r\n<li><a href=\"documents/pages/circulars/april2014/MONITORING_TOOL_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Monitoring Tool</a></li>\r\n</ul>\r\n<p style=\"font-size: 12.16px; line-height: 15.808px;\"><strong>March 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/Circulars/FAQ.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">FAQ</a></li>\r\n</ul>\r\n<p><strong>February 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2014/Feb2014-Updates Credit Forum .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Updates credit forum</a></li>\r\n</ul>\r\n<p><strong>January 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2014/Registration Renewal Fees Circular.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Registration Renewal Fees Circular</a></li>\r\n</ul>\r\n<p><strong>November 2013</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2013/No12-Nov-Finsense.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Finsense</a></li>\r\n</ul>\r\n<p><strong>April 2013</strong> </p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular 03 of 2013-Amended codes of conduct.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n</ul> -->',1,20,'2019-03-28 13:33:08',915,'','2023-11-17 14:11:35',915,0,'0000-00-00 00:00:00','2019-03-28 13:33:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',69,7,'','',1,74683,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(26,129,'Useful contacts','useful-contacts','<p style=\"line-height: 15.8079996109009px;\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:</strong></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING </strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The National Credit Regulator</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Reception</td>\r\n<td>: 011 554 2700  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 805 4905</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a><span style=\"line-height: 1.3em;\"> </span> </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td><span style=\"line-height: 1.3em;\">: PO Box 209, Halfway House, 1685</span>                                                              </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p style=\"line-height: 15.8079996109009px;\">To request a workshop please forward an email with details to <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za</a> </p>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>CONSUMER PRODUCTS AND SERVICES</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The National Consumer Commission</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"494\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Telephone</td>\r\n<td>: 086 026 6786</td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 086 151 5229</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:NNetshitomboni@thencc.co.za\">NNetshitomboni@thencc.co.za</a><span style=\"line-height: 1.3em;\"> </span></td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: Private Bag x84, Pretoria </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>:<strong style=\"line-height: 15.8079996109009px;\"> </strong><a href=\"http://www.nccsa.org.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.nccsa.org.za</a> </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>BANKING - The Ombudsman for Banking Services</strong></h4>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"589\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 080 0900 </td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 011 838 0035/38/39 </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 838 0043 </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@obssa.co.za\">info@obssa.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 6728, JOHANNESBURG, 2000 </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.obssa.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.obssa.co.za</a> </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES</strong> </h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Credit Information Ombud </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"733\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Call centre</td>\r\n<td>: 086 166 2837 </td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 011 781 6431</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za</a>   </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153 </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.creditombud.org.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.creditombud.org.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>FINANCIAL ADVICE</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Office of the Ombud for Financial Services Providers </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"559\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 032 4766</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 012 470 9080  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 012 348 3447</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@faisombud.co.za\">info@faisombud.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 74571, Lynwoodridge, 0040</td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.faisombud.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.faisombud.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>INVESTMENTS</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Financial Services Board </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"526\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Toll-free</td>\r\n<td>080 011 0443 / 080 020 2087</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>012 428 8000</td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>012 347 0211</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>info@fsb.co.za</td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>PO Box 35655, Menlo Park, 0102</td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td><strong style=\"line-height: 15.8079996109009px;\"> </strong><a href=\"http://www.fsb.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.fsb.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>LIFE ASSURANCE </strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>Ombudsman for Long-term Insurance.</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"544\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>086 066 2837</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>021 657 5000  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>021 674 0951  </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td><a style=\"line-height: 1.3em;\" href=\"mailto:info@ombud.co.za\">info@ombud.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>Private Bag X45, Claremont, 7735</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>MEDICAL SCHEME</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Council for Medical Schemes </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"539\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 112 3267</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 012 431 0500  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 012 431 0560  </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:support@medicalschemes.com\">support@medicalschemes.com</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: Private Bag X34, Hatfield, 0028</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>PENSION FUND</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Pension Funds Adjudicator </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"542\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Telephone</td>\r\n<td>: 011 884 8454</td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 884 1144 </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: enquiries-jhb@</td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 651826, Benmore, 2010</td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.pfa.org.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.pfa.org.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>SHORT-TERM INSURANCE</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Ombudsman for Short-term Insurance </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"555\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 072 6890</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 011 726 8900 </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 726 5501</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@osti.co.za\">info@osti.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 32334, Braamfontein, 2017 </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.osti.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.osti.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,18,'2019-04-02 11:57:29',915,'','2020-09-15 08:11:21',915,0,'0000-00-00 00:00:00','2019-04-02 11:57:29','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',11,1,'','',1,24565,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(27,131,'Annual Report','annual-report','<table border=\"0\" width=\"650\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p align=\"center\"> </p>\r\n </td>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_2022_2023.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/29 September 2023 - NCR Annual Reports.pdf\">Annual Report 2022/2023</a></p>\r\n </td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_report_2022.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/30 September 2022 - NCR Annual Report 2022.pdf\">Annual Report 2021/2022</a></p>\r\n </td>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_-report_2020_2021.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/NCR-AR2020-2021.pdf\">Annual Report 2020/2021</a></p>\r\n </td>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_report_2019_2020.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/NCR_AnnualReport_2019-2020_2611.pdf\">Annual Report 2019/2020</a></p>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/Cover19P1.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/NCR%20AR%202018.2019.pdf\">Annual Report 2018/2019</a></p>\r\n </td>\r\n<td align=\"center\" valign=\"top\">  <img src=\"documents/pages/Annual%20Reports/annual_cover_18.jpg\" alt=\"\" width=\"150\" /><br /> <br /><a href=\"documents/pages/Annual Reports/NCR Annual Report 2017-18.pdf\">Annual Report 2017/2018</a></td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_7.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR Annual Report 2017.pdf\">Annual Report 2016/2017</a></p>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR Annual Report 2015-16.pdf\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_2.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR ANNUAL REPORT 2014-15.pdf\">Annual Report 2014/2015</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_5.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR AR 2014 lr.pdf\">Annual Report 2013/2014</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_4.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR ANNUAL REPORT 2012-13.pdf\">Annual Report 2012/2013</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_3.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR Annual Report 2011-12.pdf\">Annual Report 2011/2012</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_6.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/2010-11 Annual report.pdf\">Annual Report 2011/2010</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<!--<tr>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr></td>\r\n</tr>\r\n<tr>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n</tr>\r\n--></tbody>\r\n</table>','',1,2,'2019-04-02 12:11:13',915,'','2023-10-02 16:06:39',915,915,'2023-10-02 16:06:39','2019-04-02 12:11:13','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',25,5,'','',1,36716,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(28,132,'Promotion of Access to Information Act','legislation','<p><strong>PAIA Manual</strong></p>\r\n<p> The Promotion of Access to Information Act No.2 of 2000 (“PAIA”) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.</p>\r\n<p><a href=\"documents/NCR UPDATED PAIA MANUAL 2022.pdf\">Click here to download the PAIA Manual</a><br /><br /> <a href=\"documents/PAIA - Form A Request Form.pdf\">Click here to download Request Form</a><br /><br /> <a href=\"documents/PAIA Internal Appeal Form 4.pdf\">Click here to download the PAIA Internal Appeal Form </a></p>\r\n<!--<p><strong>February 2017</strong></p>\r\n<ul>\r\n<li><a title=\"Final Credit Life Insurance Regulations\" href=\"documents/Final Credit Life Insurance Regulations.pdf\" target=\"_blank\">Final Credit Life Insurance Regulations</a></li>\r\n</ul>-->\r\n<p><strong>March 2016</strong></p>\r\n<ul>\r\n<li><a title=\"Review of Limitations on Fees and Interest Rates Regulations\" href=\"documents/Review of Limitations on Fees and Interest Rates Regulations.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Review of Limitations on Fees and Interest Rates Regulations</a></li>\r\n</ul>\r\n<!--<p><strong>July 2015</strong></p>\r\n<ul>\r\n<li><a href=\"publications/Legislation/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Draft Regulations: Limitation of Fees and Interest Rates</a></li>-->\r\n<p> </p>','',1,30,'2019-04-02 12:41:23',915,'','2022-11-24 14:20:17',915,0,'0000-00-00 00:00:00','2019-04-02 12:41:23','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',7,3,'','',1,28692,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(29,133,'Guidelines','guidelines','<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr>\r\n<td><a href=\"documents/GUIDELINES FOR DEBT COUNSELLORS ON THE SUBMISSION OF FORMS 41 AND 42.pdf\">Guidelines for debt counsellors on the submission of forms 41 and 42</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/GUIDELINE FOR THE DIGITAL SERVICE AND DELIVERY OF NOTICES AND DOCUMENTS.pdf\">Guideline for the digital service and delivery of notices and documents under the national credit act 34 of 2005 (“the nca”)</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\">Explanatory note to the withdrawal guidelines 1 of 2021</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/27 May 2021-Debt Withdrawal  review.pdf\">NCR debt review withdrawal guidelines 2021</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Guidelines For Standard Court Order03.pdf\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Annexure A- Standardized Court Order Template.pdf\">Annexure A- Standardized Court Order Template</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/NCR Guidelines 1-2020 (justified).pdf\">Guidelines for change in circumstance (17.3)</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Guidelines-for-joint-bonds-mortgage-agreements.pdf\">Guidelines for joint bonds/mortgage agreements</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Pension-backed-lending-guidelines.pdf\">Pension backed lending guidelines</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/debt counselling fee structure guideline.pdf\">The debt counselling fee guidelines 2018</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/FEE_GUIDELINE.pdf\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi</a>t</td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Circulars/debt counselling fee structure guideline.pdf\">The debt counselling fee guidelines 2018</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/NCR_Guidelines in Terms of Reg 19(13).pdf\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003/2017</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002/2017 </a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Fee Guideline 12 Jan 2018.pdf\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,33,'2019-04-02 12:48:20',915,'','2023-11-13 14:10:50',915,0,'0000-00-00 00:00:00','2019-04-02 12:48:20','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',16,3,'','',1,72591,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(30,134,'Research Reports','research-reports','<table class=\"table table-bordered table-striped\" style=\"width: 648px;\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 82.2857px;\" align=\"center\">\r\n<p align=\"center\"><strong>June 2021</strong><br /><br /> <img src=\"images/Alternative-Data-Landscape.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"vertical-align: middle; width: 516.714px;\" valign=\"middle\">\r\n<ul>\r\n<li><a href=\"documents/Alternative Data Landscape in South Africa 24.6.21.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Alternative Data Landscape in South Africa </a></li>\r\n</ul>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\" align=\"center\">\r\n<p align=\"center\"><strong>May 2021</strong><br /><br /> <img src=\"images/NCR-Unsecured-Credit-Study.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"vertical-align: middle; width: 516.714px;\" valign=\"middle\">\r\n<ul>\r\n<li><a href=\"documents/NCR Unsecured Credit Study - Final Report (Abridged).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal</a></li>\r\n</ul>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\">\r\n<p align=\"center\"><strong>2013</strong><br /><br /> <img src=\"images/NCR-Credit-and-Borrowing-in-South-Africa.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/july13/NCR Outcomes evaluation of educational workshops.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Outcomes evaluation of educational workshops</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA’S CREDIT MARKET</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/NCR_14.03.2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/Investigation on the effectiveness of the alternate dispute.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/ADR Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Alternative Dispute Resolution (ADR) summary</a></li>\r\n</ul>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\">\r\n<p align=\"center\"><strong>2012</strong><br /><br /> <img src=\"images/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/aug12/UPL Report 47 Exec Sum.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug12/UPL Report 47 Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2011</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/dec11/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Literature Review on SME Access to Credit in South Africa Final Report</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug11/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Cost of and Access to Credit in South Africa</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2010</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/nov10/Introduction-RevNo1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit law review: setting the scene</a></li>\r\n<li><a href=\"documents/pages/research-reports/nov10/Credit Law Review.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Making Credit Markets Work | A Policy Framework for Consumer Credit</a></li>\r\n<li><a href=\"documents/pages/research-reports/apr10/Final Update Document.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">NCR Task Team on Debt Counselling</a></li>\r\n<li><a href=\"documents/pages/research-reports/apr10/DC survey analysis-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">A Survey conducted by AIA on behalf of the National Credit Regulator</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2009</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/apr09/ncr.zip\" target=\"_blank\" rel=\"noopener noreferrer\">The debt counselling process - challenges to consumers and the credit industry in general</a></li>\r\n<li><a href=\"documents/pages/research-reports/may09/Impact_Assesment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Impact Assessment Report</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun09/Pricing and Access Summary Cover June 2009.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Pricing of and Access to Consumer Credit</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2008</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/oct08/GARNISHEE-ORDERS-STUDY-REPORT%20Erratum%207%20December%202022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The incidence of and the undesirable practices relating to garnishee orders in South Africa</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug08/South-Africa-compressed-web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">PERC Study Release:</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug08/South-Africa-compressed-web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Information Sharing and SMME Financing in South Africa</a></li>\r\n<li><a href=\"documents/pages/research-reports/apr08/Executive Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Impact Assessment Report</a></li>\r\n<li><a href=\"documents/pages/research-reports/mar08/Livelihoods study.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Access and Use of credit by poor households in Johannesburg</a></li>\r\n<li><a href=\"documents/pages/research-reports/march07/Public Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Livelihoods study of poor households in Johannesburg</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2007</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/march07/Public Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Extension to Households</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2003</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/aug13/Summary of Findings.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Law Review | August 2003</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,2,'2019-04-02 12:55:33',915,'','2023-05-09 14:33:13',915,0,'0000-00-00 00:00:00','2019-04-02 12:55:33','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',30,4,'','',1,29519,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(31,135,'Circulars','circulars','<p> </p>\r\n<!--<p style=\"font-weight: bold;\">December 2016</p>\r\n<p><a href=\"documents/Circulars/1388AD NCR CIRCULAR 25 OF 2016.pdf\">Circular No. 25/December 2016 - The cost of credit for short-term loans as a result of the MFSA High Court decision</a></p>-->\r\n<p style=\"font-weight: bold;\">Frebruary 2019</p>\r\n<p><a href=\"documents/Circulars/NCR Circular 12 - February 2019.pdf\">Circular 12 of 2019 - Re-seller Credit Bureau Circular on Additional Form 43 Requirements</a></p>\r\n<p style=\"font-weight: bold;\">November 2018</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 11 OF 2018.pdf\">Circular 11 of 2018 - Fraud or Unethical Behaviour</a></p>\r\n<p style=\"font-weight: bold;\">October 2018</p>\r\n<p><a href=\"documents/Circulars/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\">Circular 06 of 2018 - Request for written comments - reckless lending fee category</a></p>\r\n<p style=\"font-weight: bold;\">September 2018</p>\r\n<p><a href=\"documents/Circulars/NCR Circular 05 September 2018.pdf\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline</a></p>\r\n<p style=\"font-weight: bold;\">August 2018</p>\r\n<p><a href=\"documents/Circulars/NCR Circular 04 of August 2018.pdf\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System</a></p>\r\n<p style=\"font-weight: bold;\">April 2018</p>\r\n<p><a href=\"documents/Circulars/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\">Circular 3 of 2018 - NCR New Enhanced Debt Help System</a></p>\r\n<p style=\"font-weight: bold;\">February 2018</p>\r\n<p><a href=\"documents/Circulars/Circular New Debt Counsellor Fees 1.pdf\">Circular no 01 of 2018 -new debt counsellor fees</a></p>\r\n<p style=\"font-weight: bold;\">September 2017</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 14 OF 2017.pdf\">Circular no 14 of 2017 – consumer transfer notice of the lapsed and voluntary de-registered debt counsellors</a></p>\r\n<p style=\"font-weight: bold;\">August 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 12 of 2017- Proposed DC fee structure.pdf\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure</a></p>\r\n<p style=\"font-weight: bold;\">August 2017</p>\r\n<p><a href=\"documents/Circulars/DHS Automated transfers circular .pdf\">Circular 11 of 2017 - dhs new functionalities</a></p>\r\n<p style=\"font-weight: bold;\">August 2017</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 9 OF 2017.pdf\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348</a></p>\r\n<p><a href=\"documents/Circulars/Updated Lapsed Report.xlsx\">Updated Lapsed Report</a></p>\r\n<p style=\"font-weight: bold;\">April 2017</p>\r\n<p><a href=\"documents/Circulars/CIRCULAR 8  CONTACT DETAILS.pdf\">Circular 8 of 2017 – NCR contact details</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf\">Circular 7 of 2017 - debt counselling call centres</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 6 of 2017- Section 71.pdf\">Circular 6 of 2017 - interpretation of section 71 of the nca</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular No5 .pdf\">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf\">Circular 4 of 2017 – NCR’s banking details have not changed</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 03 of 2017- DC fees review.pdf\">Circular 3 of 2017 – review of debt counselling fees</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Annual Renewal of Registrations.pdf\">Circular 2 of 2017 – annual renewal of registration</a></p>\r\n<p style=\"font-weight: bold;\">January 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 1 of 2017-DCRS.pdf\">Circular 1 of 2017 – debt counselling rules system</a></p>\r\n<p style=\"font-weight: bold;\">November 2016</p>\r\n<p><a href=\"documents/Circulars/1349AD NCR CIRCULAR 24 OF 2016.pdf\">Circular No. 24/November 2016 replaces Circular No. 2/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines – Guidelines No. 003/2009 and 001/2014.</a></p>\r\n<p style=\"font-weight: bold;\">October 2016</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 23 OF 2016.pdf\">Circular No. 23 / October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.</a></p>\r\n<p><a href=\"documents/Circulars/SKM_754e16100415260.pdf\">Circular No. 3 / October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended</a></p>\r\n<p style=\"font-weight: bold;\">September 2016</p>\r\n<p><a href=\"documents/Circulars/September_2016/1203AD NCR CIRCULAR 18 OF 2016.pdf\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act</a></p>\r\n<p><a href=\"documents/Circulars/September_2016/Circular No19 Employed Debt Counsellors.pdf\">Circular 19 of 2016: Employed Debt Counsellors</a></p>\r\n<p><strong>July 2016</strong></p>\r\n<p><a title=\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \" href=\"documents/Circulars/July 2016/1120AD NCR CIRCULAR 15 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount </a></p>\r\n<p><a title=\"Circular No. 14 of 2016 : Aternative dispute resolution agents \" href=\"documents/Circulars/July 2016/1119AD NCR CIRCULAR 14 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2016: Aternative dispute resolution agents </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">June 2016</strong></p>\r\n<p><a title=\"Circular No. 13 of 2016 : Updates from the credit industry forum \" href=\"documents/Circulars/Circular 13 of 2016- CIF Updates.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2016: Updates from the credit industry forum </a></p>\r\n<p><a title=\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \" href=\"documents/Circulars/1090AD NCR Circular 12 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees</a></p>\r\n<p>C<a title=\"Circular No. 8 of 2016 : The review of limitations on fees and interest\r\nrates regulations \" href=\"documents/Circulars/1051AD NCR CIRCULAR 8 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations </a></p>\r\n<p><a title=\"Circular No. 7 of 2016 : Debt Help System Enhancements \" href=\"documents/Circulars/Circular No7 DHS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 7 of 2016: Debt Help System Enhancements </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">May 2016</strong></p>\r\n<p><a title=\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus \" href=\"documents/Circulars/1060AD NCR Circular 9 Rev 2 (2).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">March 2016</strong></p>\r\n<p><a title=\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\" href=\"documents/Circulars/Circular No6_Payments of Debt Counsellor fees.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2016</strong></p>\r\n<p><a title=\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\" href=\"documents/Circulars/165 AD NCR Circulars of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 5 of 2016: Payment of Debt Counselling Fees</a></p>\r\n<p><a title=\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\" href=\"documents/Circulars/161AD NCR Circular 4 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape</a></p>\r\n<p><a title=\"Circular No. 2/ February 2016\" href=\"documents/Circulars/152AD NCR Circular2 297x210 Rev2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 2/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003/2009</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2016</strong></p>\r\n<p><a title=\"Circular No. 3 of 2016: Annual Renewal of Registration\" href=\"documents/Circulars/154AD NCR Circular 3 of 2016 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 3 of 2016: Annual Renewal of Registration</a> </p>\r\n<p><a title=\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\" href=\"documents/Circulars/149AD NCR Circular 1 of 2016 297x210.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2015</strong></p>\r\n<p><a href=\"documents/pages/circulars/Nov2015/3594 NCR Circular .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">September 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Sep15/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/DC_Information_Update_Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counsellor information update form</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">August 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Aug2015/Return Of Funds - Circular 13-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">July 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/July2015/Circ 12-Aug20151.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 12 of 2015: Replacement of Registration Certificates</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2015/Transfer%20Notice.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 07 of 2015: Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Fraud%20Circ%20(02-2015)1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 06 of 2015: Fraud or Unethical Behavior</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/TTA Guidelines Final .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Withdrawal from debt review guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 002 of 2015: Withdrawal Guidelines</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circ 04-Jan15 - Proposed process for end balance differences.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 04 of 2015:  Proposed Process for End Balance Differences</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Debt Review Task Team Agreements.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Industry DevTrends and Practices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 01 of 2015: Industry Developments, Trends and Practices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">December 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/dec2014/Cirular 18 Festive Breaks .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 18 of 2014: Debt Counselling Festive Breaks</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Compilation Registrants 16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 15 - DCRS.PDF\">Circular No 15 of 2014: Debt Counselling Rules System</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 14 - Termination Notices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 14 of 2014: Section 86(10) Termination Notices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2014/Circular (Voluntary Debt Mediation).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2014: Voluntary Debt Mediation</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">October 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/october14/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 - Lapse Of Registration</a></li>\r\n</ul>\r\n<p><strong>September 2014</strong></p>\r\n<ul>\r\n<li><strong><a href=\"documents/pages/circulars/sep2014/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 : Lapse Of Registration</a></strong></li>\r\n</ul>\r\n<p><strong>June 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/june2014/Circular (No.09-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries</a></li>\r\n</ul>\r\n<p><strong>May 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular (No.08-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.8 of 2014 : Update from Credit Industry Forum</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular no. 7 of 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.7 of 2014 : Financial compliance monitoring tool</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Final Monitoring Tool.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Final Monitoring Tool</a></li>\r\n</ul>\r\n<p><strong>April 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2014/Circular_5_of_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool</a></li>\r\n<li><a href=\"documents/pages/circulars/april2014/MONITORING_TOOL_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Monitoring Tool</a></li>\r\n</ul>\r\n<p style=\"font-size: 12.16px; line-height: 15.808px;\"><strong>March 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/Circulars/FAQ.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">FAQ</a></li>\r\n</ul>\r\n<p><strong>February 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2014/Feb2014-Updates Credit Forum .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Updates credit forum</a></li>\r\n</ul>\r\n<p><strong>January 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2014/Registration Renewal Fees Circular.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Registration Renewal Fees Circular</a></li>\r\n</ul>\r\n<p><strong>November 2013</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2013/No12-Nov-Finsense.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Finsense</a></li>\r\n</ul>\r\n<p><strong>April 2013</strong> </p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular 03 of 2013-Amended codes of conduct.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n</ul>','',-2,2,'2019-04-02 13:32:48',915,'','2019-04-02 13:32:48',0,0,'0000-00-00 00:00:00','2019-04-02 13:32:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,0,'','',1,110,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(32,136,'Background Documents on the NCA','background-documents-on-the-nca','<h4>Credit law review: setting the scene</h4>\r\n<p><img src=\"images/NCA_document_1.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Introduction-RevNo1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit law review: setting the scene</a></p>\r\n<hr />\r\n<h4>Credit Law Review | August 2003</h4>\r\n<p><img src=\"images/NCA_document_2.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Summary of Findings.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit Law Review</a></p>\r\n<hr />\r\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit</h4>\r\n<p><img src=\"images/NCA_document_3.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Credit Law Review.pdf\">Click here to view the Making Credit Markets Work</a></p>','',1,19,'2019-04-02 14:17:22',915,'','2019-04-02 14:23:46',915,0,'0000-00-00 00:00:00','2019-04-02 14:17:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,1,'','',1,82303,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(33,137,'Educational Information And Brochures','educational-information-and-brochures','<table border=\"0\" width=\"600\" cellpadding=\"5\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\"><strong>Section 127 of the national credit act – surrender of goods – FAQ\'S</strong></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\"><a href=\"documents/NCR_SECTION 127 OF THE NATIONAL CREDIT ACT – SURRENDER OF GOODS – FAQ’s.pdf\"> <img src=\"documents/Brochures/section_127.jpg\" alt=\"\" width=\"111\" /><br /><br /> SASBO section 127 NCA </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>Debt Counselling</strong></td>\r\n<td><strong>The National Credit Act and the National Credit Regulator</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><img src=\"documents/Brochures/dc_brochure.jpg\" alt=\"\" width=\"76\" height=\"155\" /> </td>\r\n<td valign=\"top\"><img src=\"images/NCRA.jpg\" alt=\"\" height=\"155\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td>\r\n<p>Please choose language</p>\r\n<ul>\r\n<li><a href=\"documents/Brochures/NCR_afrikaans.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></li>\r\n<li><a href=\"documents/Brochures/NCR_english.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></li>\r\n<li><a href=\"documents/Brochures/NCR_ndebele.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></li>\r\n<li><a href=\"documents/Brochures/NCR_sepedi.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sepedi</a></li>\r\n<li><a href=\"documents/Brochures/NCR_sotho.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></li>\r\n<li><a href=\"documents/Brochures/NCR_tswana.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></li>\r\n<li><a href=\"documents/Brochures/NCR_siswati.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Swati</a></li>\r\n<li><a href=\"documents/Brochures/NCR_tshivenda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></li>\r\n<li><a href=\"documents/Brochures/NCR_xhosa .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></li>\r\n<li><a href=\"documents/Brochures/NCR_xitsonga.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></li>\r\n<li><a href=\"documents/Brochures/NCR_zulu.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></li>\r\n</ul>\r\n </td>\r\n<td valign=\"top\">Please choose language\r\n<ul>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Afrikaans.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></li>\r\n<li><a href=\"brochures/Ncra/1475AD NCR NCAA Brochure ENG.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Ndebele.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Pedi.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sepedi</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Sesotho.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Tswana.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure swati.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Swati</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Venda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Xhosa.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Xitsonga.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure ZULU.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td>\r\n<p><strong>Debt counselling frequently asked questions</strong></p>\r\n<a href=\"documents/Brochures/NCR - DEBT COUNSELLING V2.pdf\"><img src=\"documents/Brochures/NCR---DEBT-COUNSELLING-V2.jpg\" /></a></td>\r\n<td>\r\n<p><strong>Credit life insurancefrequently asked <br /> questions</strong></p>\r\n<a href=\"documents/Brochures/NCR - CREDIT LIFE INSURANCE V2.pdf\"><img src=\"documents/Brochures/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\" /></a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,20,'2019-04-02 14:53:30',915,'','2021-10-19 14:39:36',915,915,'2021-10-19 14:39:36','2019-04-02 14:53:30','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',44,6,'','',1,32232,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(34,138,'Public Notices','public-notices','<p><strong>2015</strong></p>\r\n<p><a href=\"images/Public Notices/Debt Counselling Explained Advert.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counselling Explained</a></p>\r\n<p><a href=\"images/Public%20Notices/Debt Counselling Explained Advert.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><img src=\"images/Public Notices/ts01.jpg\" alt=\"\" width=\"142\" height=\"175\" /></strong></a></p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>2014</strong></p>\r\n<p><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Spend wisely borrow wisely</a></p>\r\n<table style=\"height: 406px;\" width=\"352\">\r\n<tbody>\r\n<tr>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/always_make_sure.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/dont-be-tempted.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/ids.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/legally-allowed.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<p> </p>\r\n<p><strong>2012</strong></p>\r\n<p><a href=\"documents/pages/articles/Advertorial NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">THE NCR CALLS FOR CAUTION IN THE GRANTING OF UNSECURED CREDIT</a></p>\r\n<p><a href=\"documents/pages/articles/Advertorial%20NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/Media.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2011</strong></p>\r\n<p><a href=\"documents/pages/articles/Advertorial NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Exchange of money</a></p>\r\n<p><a href=\"documents/pages/articles/Advertorial%20NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/adverts.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2010</strong></p>\r\n<p><a href=\"documents/pages/articles/Billboard Web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Make the right choices</a></p>\r\n<p><a href=\"documents/pages/articles/Billboard%20Web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/billboardweb.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2009</strong></p>\r\n<p><a href=\"documents/pages/articles/09260_Ad_Spend Wisely_09_30x22.5_low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tighten your belt</a></p>\r\n<p><a href=\"documents/pages/articles/09260_Ad_Spend%20Wisely_09_30x22.5_low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/belt.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2008</strong></p>\r\n<p><a href=\"documents/pages/articles/Spend Wisely Ad.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">A message from the National Credit Regulator</a></p>\r\n<p><a href=\"documents/pages/articles/Spend%20Wisely Ad.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/message.jpg\" alt=\"\" /></a></p>','',1,20,'2019-04-03 12:40:48',915,'','2019-04-03 12:45:23',915,0,'0000-00-00 00:00:00','2019-04-03 12:40:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',3,5,'','',1,32481,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(35,140,'Challenge Credit Record','challenge-credit-record','<p>When a <strong>consumer</strong> requests a <strong>credit</strong> report, the said report must disclose  identical information to that which will be displayed should such a  report be provided to a third party.</p>\r\n<p> </p>\r\n<p><strong>If the accuracy of the consumer credit information is challenged by a consumer, </strong></p>\r\n<p><strong>the following steps should be taken:</strong></p>\r\n<ol>\r\n<li>The consumer must contact the credit bureau concerned to raise an objection or lodge a complaint (either TransUnion ITC or Experian);</li>\r\n<li>The bureau has 20 business days in which to resolve the issue;</li>\r\n<li>If the bureau is unable to resolve the issue, the consumer should refer the matter to the <a href=\"http://www.creditombud.org.za/\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Information Ombudsman (CIO)</a>;</li>\r\n<li>Should the CIO be unable to find a resolution, the NCR will intervene on the request of the CIO.</li>\r\n</ol>\r\n<p>Note that the <strong>National Credit</strong>  Regulator will not be able to deal with the complaint until the complainant has first contacted the credit bureau.</p>\r\n<p><strong>Call center numbers of the credit bureau</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"line-height: 15.8079996109009px; height: 65px;\" width=\"576\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<th style=\"text-align: left;\" colspan=\"2\">TransUnion ITC</th>\r\n<th style=\"text-align: left;\" colspan=\"2\">Experian</th>\r\n</tr>\r\n<tr>\r\n<td><strong>Consumer</strong></td>\r\n<td>0861 482 482 </td>\r\n<td><strong>Consumer</strong></td>\r\n<td>0861 105 665</td>\r\n</tr>\r\n<tr>\r\n<td><strong>Credit Provider</strong></td>\r\n<td>0861 482 482</td>\r\n<td><strong>Credit Provider</strong></td>\r\n<td>0861 636 070</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-03 13:17:08',915,'','2019-04-03 13:17:08',0,0,'0000-00-00 00:00:00','2019-04-03 13:17:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,4,'','',1,81927,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(36,141,'Consumer Rights','consumer-rights','<ul>\r\n<li><a href=\"documents/pages/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Know your credit status</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\">As a South African Consumer,you have the right to:</a></li>\r\n<li><a href=\"documents/pages/ENGLISH.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">All you need to know about the <strong>National Credit</strong> Act as a <strong>consumer</strong></a></li>\r\n</ul>\r\n<p><strong>Brochures</strong></p>\r\n<p><strong><img src=\"images/brochure1.jpg\" alt=\"\" width=\"76\" height=\"155\" /></strong></p>\r\n<p>Please choose language:</p>\r\n<!--<ul>\r\n<li><a href=\"documents/Brochures/NCR+Information+brochure+english.pdf\" target=\"_blank\">English</a></li>\r\n<li><a href=\"documents/Brochures/Afrikaans+brochure.compressed.pdf\" target=\"_blank\">Afrikaans</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_swati.pdf\" target=\"_blank\">Swati</a></li>\r\n<li><a href=\"documents/Brochures/Ndebele-Brochure.pdf\" target=\"_blank\">Ndebele</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Sesotho+Information+brochure.pdf\" target=\"_blank\">Sesotho</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Northern+Sotho+brochure.pdf\" target=\"_blank\">Northern Sotho</a></li>\r\n<li><a href=\"documents/Brochures/Tswana-Brochure.pdf\" target=\"_blank\">Setswana</a></li>\r\n<li><a href=\"documents/Brochures/Venda+brochure.pdf\" target=\"_blank\">Venda</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_Xhosa.pdf\" target=\"_blank\">Xhosa</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_Xitshonga.pdf\" target=\"_blank\">Xitsonga</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_Zulu.pdf\" target=\"_blank\">Zulu</a></li>\r\n</ul>-->\r\n<table class=\"table table-bordered table-striped\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td><a href=\"documents/Brochures/NCR+Information+brochure+english.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></td>\r\n<td><a href=\"documents/Brochures/Afrikaans+brochure.compressed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_swati.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Swati</a></td>\r\n<td><a href=\"documents/Brochures/Ndebele-Brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Sesotho+Information+brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Brochures/NCR+Northern+Sotho+brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Northern Sotho</a></td>\r\n<td><a href=\"documents/Brochures/Tswana-Brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></td>\r\n<td><a href=\"documents/Brochures/Venda+brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_Xhosa.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_Xitshonga.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_Zulu.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></td>\r\n<td colspan=\"4\"> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-03 13:34:20',915,'','2019-04-04 13:36:26',915,0,'0000-00-00 00:00:00','2019-04-03 13:34:20','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',4,3,'','',1,29887,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(37,142,'Consumer Tips','consumer-tips','<table border=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td><img src=\"images/advert_11.jpg\" alt=\"\" height=\"390\" /></td>\r\n<td><img src=\"images/advert_12.jpg\" alt=\"\" height=\"390\" /></td>\r\n</tr>\r\n<tr>\r\n<td><img src=\"images/advert_13.jpg\" alt=\"\" height=\"390\" /></td>\r\n<td><img src=\"images/advert_14.jpg\" alt=\"\" height=\"390\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-04 13:47:36',915,'','2020-10-13 15:23:57',915,0,'0000-00-00 00:00:00','2019-04-04 13:47:36','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',11,2,'','',1,42230,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(38,143,'Get Help','get-help','<table class=\"table table-bordered table-striped\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td><a href=\"index.php?option=com_content&amp;view=article&amp;id=22\">Over-Indebtedness</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"index.php?option=com_content&amp;view=article&amp;id=23\">Consumer Assistance</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-09 13:33:43',915,'','2019-04-09 13:36:39',915,0,'0000-00-00 00:00:00','2019-04-09 13:33:43','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,1,'','',1,12994,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(39,146,'NCR BBBEE Certificate','ncr-bbbee-certificate','<p><a href=\"documents/Final Certificate - National Credit Regulator (NCR) BE12781-021023.pdf\">Click here</a> to view the NCR BBBEE CERTIFICATE</p>','',1,23,'2019-04-11 09:28:11',915,'','2023-10-10 11:07:58',915,0,'0000-00-00 00:00:00','2019-04-11 09:28:11','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',8,1,'','',1,20881,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(40,148,'Registration as an Alternative Dispute Resolution Agent','registration-as-an-alternative-dispute-resolution-agent-adr','<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’s capabilities and background in providing alternative dispute resolution services including a description of the applicant’s 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 -  \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:–\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  ( CIPC ) registration document or other official registration document;</li>\r\n<li>Copy of the company’s 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/FINGERPRINTS LIST APRIL 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\"> attached hereto</a> marked  “<strong>A</strong>”. 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 000.00;</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’s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.</li>\r\n<li>Auditor’s/accounting officer’s 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’s, nominated employee’s and adjudicator’s curriculum vitae (CV).</li>\r\n<li>A certified copy of the applicant’s nominated employee’s and adjudicators’ 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>','',1,24,'2019-04-11 09:44:57',915,'','2021-04-29 13:56:16',915,0,'0000-00-00 00:00:00','2019-04-11 09:44:57','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',14,3,'','',1,7645,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(41,150,'Registration as a Payment Distribution Agents','registration-as-a-payment-distribution-agent-pda','<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 (“PDA”).</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 (“the Act”) 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 (“NCR”) 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  resources  to carry out  the functions of  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’s 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/FINGERPRINTS LIST APRIL 2021.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>  Non-refundable application fee of R550.00;</li>\r\n<li>  Initial registration fee of R100 000.00;</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’s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.</li>\r\n<li>Auditors/accounting officer’s 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>   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’s 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>','',1,25,'2019-04-11 10:02:29',915,'','2021-04-29 14:05:02',915,0,'0000-00-00 00:00:00','2019-04-11 10:02:29','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',18,3,'','',1,4360,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(42,152,'Registration as a Debt Counsellor','registration-as-a-debt-counsellor','<p> The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.</p>\r\n<p>Debt counsellors will conduct independent enquiries into consumers’ financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. </p>\r\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:</strong> </p>\r\n<p>1. Applicant must be 18 years or older <br /> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i).   <br /> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br /> The following training service providers are approved by the National Credit Regulator to offer DC course:</p>\r\n<table class=\"table table-bordered table-striped\" border=\"0\" width=\"550\">\r\n<tbody>\r\n<tr>\r\n<td><strong>Institution name</strong></td>\r\n<td><strong>Email Address</strong></td>\r\n<td><strong>Contact Number</strong></td>\r\n</tr>\r\n<tr>\r\n<td>University of pretoria enterprise</td>\r\n<td><a href=\"mailto:charlotte.vansittert@up.ac.za\"> charlotte.vansittert@up.ac.za</a></td>\r\n<td>012 434 2500/5235</td>\r\n</tr>\r\n<tr>\r\n<td>Business Skills Institute</td>\r\n<td><a href=\"mailto:info@bsi-institute.co.za\">info@bsi-institute.co.za</a></td>\r\n<td>Tel: +27 21 111 0580 / Cell number : 082 441 0941</td>\r\n</tr>\r\n<tr>\r\n<td>Rudo consulting</td>\r\n<td><a href=\"mailto:thabo@rudocon.co.za\">thabo@rudocon.co.za</a></td>\r\n<td>012 663 3251/082 871 5586 , 076 156 8366</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--<ul>\r\n<li>University of Pretoria         012 420 5015</li>\r\n<li>Damelin                             011 242 3400</li>\r\n<li>RUDO                                 012 663 3251</li>\r\n<li>Compuscan Academy         021 888 6048</li>\r\n<li>Summit Financial Partners  087 806 1000</li>\r\n</ul>-->\r\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;</p>\r\n<ul>\r\n<li>Consumer Protection;</li>\r\n<li>Complaints Resolution;</li>\r\n<li>Consumer Advisory Services;</li>\r\n<li>Legal or Paralegal Services;</li>\r\n<li>Accounting or financial services;</li>\r\n<li>Education or training of individuals;</li>\r\n<li>Counselling of individuals;</li>\r\n<li>General Business Environment.</li>\r\n</ul>\r\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate‘s court Act 32 of 1944 <br /> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br /> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in –</p>\r\n<ul>\r\n<li>Debt collection;</li>\r\n<li>The operation of a credit bureau;</li>\r\n<li>Credit provision.</li>\r\n</ul>\r\n<p>8. The person must demonstrate ability to manage his / her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br /> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the </strong><strong>National Credit Amendment Act, 19 of 2014</strong><strong>:</strong><br /> <strong>Please note that your application will not be processed and/or considered without the following:</strong><br /> 1. Completed and signed application form (Form 4).<br /> 2. A <em>certified</em> copy of your identity or passport document. If non south African Citizen, please provide a <em>certified c</em>opy of valid work permit<br /> 3. A <em>certified </em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (“SAQA”). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (“SAQA”).  <br /> 4. A <em>certified</em> copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br /> 5. Proof of registration with the South African Revenue Services (SARS).<br /> 6. A copy of your Curriculum Vitae (“CV”) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br /> 7.   A Criminal Clearance Certificate issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\"documents/pages/registration&amp;compliance/debt_counsellors/FINGERPRINTS LIST APRIL 2021.xlsx\">attached hereto</a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br /> 8. Proof of payment of the registration fees:</p>\r\n<ul>\r\n<li>Non-refundable application fee of R550;</li>\r\n<li>Initial registration fee R500;</li>\r\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.</li>\r\n</ul>\r\n<p>9. A letter from the bank confirming your banking details or a copy of a cancelled blank cheque or a stamped bank statement.</p>\r\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider</em></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>','',1,26,'2019-04-11 10:27:51',915,'','2023-05-09 12:48:33',915,915,'2023-05-09 12:48:33','2019-04-11 10:27:51','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',26,3,'','',1,6259,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(43,154,'Registration as a Credit Provider','registration-as-a-credit-provider','<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> Companies 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> if 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 <a href=\"documents/pages/registration&amp;compliance/credit_providers/FINGERPRINTS LIST APRIL 2021.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 signed and stamped letter from the bank confirming the applicant’s 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 000 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 000 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 000 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 000 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’s ability to provide developmental credit (link to guidelines for developmental credit provider) <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>','',1,27,'2019-04-11 10:44:17',915,'','2021-04-29 14:01:18',915,0,'0000-00-00 00:00:00','2019-04-11 10:44:17','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',19,3,'','',1,17668,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(44,156,'Registration as a Credit Bureau','registration-as-a-credit-bureau','<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. </p>\r\n<ul>\r\n<li>For further information, refer to the <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 <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  consumers or credit providers are treated equitably and consistently in a timely,  efficient and courteous manner, or presents to the NCR a credible plan to acquire or  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 –</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’s business model.</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’s 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/FINGERPRINTS LIST APRIL 2021.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 000.<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’s 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<li>New customer on-boarding procedure</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’s client base. The company’s 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’s 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>','',1,28,'2019-04-11 12:47:15',915,'','2021-04-29 13:59:10',915,0,'0000-00-00 00:00:00','2019-04-11 12:47:15','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',34,3,'','',1,4810,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(45,158,'Registration as a Reseller Credit Bureau','registration-as-a-reseller-credit-bureau','<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 <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 <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>Has adopted procedures to ensure that questions, concerns and complaints of  consumers or credit providers are treated equitably and consistently in a timely,  efficient and courteous manner, or presents to the NCR a credible plan to acquire or  develop those procedures and,</li>\r\n<li>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 –\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’s 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’s 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/FINGERPRINTS LIST APRIL 2021.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 /><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<li>A letter from the bank confirming the applicant’s 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 (company 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 agreement (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 latest audited financial statements, and if not available, copy of the latest management accounts</li>\r\n<li>Information on current litigation against the organization, if any.</li>\r\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.</li>\r\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).</li>\r\n<li>IT and Data Requirements:\r\n<ul>\r\n<li>Business continuity management plan;</li>\r\n<li>Disaster recovery plan;</li>\r\n<li>Information security policy;</li>\r\n<li>Process map indicating the flow of information;</li>\r\n<li>Detailed overview of the IT infrastructure, systems and IT resources;</li>\r\n<li>An overview of the company’s strategy and processes around data, including data sources, loading and storage of data, processes with data suppliers and data sources.</li>\r\n</ul>\r\n</li>\r\n<li>A detailed overview of the company’s client base.</li>\r\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Reseller Undertaking - Annexure B.DOCX\">see Annexure B</a></li>\r\n<li>IT Auditors’ Review. 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_reseller/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\">See attached terms of reference for performing the due diligence review)</a></li>\r\n</ol>','',1,29,'2019-04-11 13:19:26',915,'','2021-04-29 14:06:59',915,0,'0000-00-00 00:00:00','2019-04-11 13:19:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',27,2,'','',1,3970,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(46,160,'Credit Bureau Monitor (CBM)','credit-bureau-monitor-cbm','<p> </p>\r\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016</b></p>\r\n<p><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\" href=\"documents/CBM/CBM_March_2016.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"131\" /></b></a></p>\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM_March_2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\" CBM data Q22007 - Q12016\" href=\"documents/CBM/CBM_data_Q22007_Q12016.xlsx\" target=\"_blank\">CBM data Q22007 - Q12016</a></li>\r\n</ol>\r\n<p> </p>\r\n<p><b>Credit Bureau Monitor - Fourth Quarter | December 2015</b></p>\r\n<p><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\" href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"131\" height=\"166\" /></b></a><b><br /></b></p>\r\n<p> </p>\r\n<ol>\r\n<ol>\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q42015\" href=\"documents/CBM/CBM data Q22007 - Q42015.xlsx\" target=\"_blank\">CBM data Q22007 - Q42015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>\r\n<hr />\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\">Credit Bureau Monitor - Third Quarter | September 2015</b></p>\r\n<p style=\"line-height: 15.8079996109009px;\"><a href=\"documents/pages/publications/CBM/CBM September 2015.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"131\" height=\"166\" /></b></a></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<ol>\r\n<ol>\r\n<ol style=\"font-size: 12.16px; line-height: 15.808px;\">\r\n<li><a href=\"documents/pages/publications/CBM/CBM September 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q32015.xlsx\" target=\"_blank\">CBM data Q22007 - Q32015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>\r\n<hr />\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\">Credit Bureau Monitor - Second Quarter | June 2015</b></b></p>\r\n<p style=\"line-height: 15.8079996109009px;\"><a href=\"documents/pages/publications/CBM/CBM%20June 2015.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"131\" height=\"166\" /></b></b></a></p>\r\n<ol>\r\n<ol>\r\n<ol>\r\n<li><a href=\"documents/pages/publications/CBM/CBM June 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q22015.xlsx\" target=\"_blank\">CBM data Q22007 - Q22015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>\r\n<hr />\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\">Credit Bureau Monitor - First Quarter | March 2015</b></p>\r\n<p> <b style=\"line-height: 15.8079996109009px;\"><a href=\"documents/pages/publications/mar15/CBM%20March 2015.pdf\" target=\"_blank\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" /></a></b></p>\r\n<ol>\r\n<ol>\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar15/CBM March 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/mar15/CBM data Q22007 - Q12015.xlsx\" target=\"_blank\">CBM data Q22007 - Q12015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>-->\r\n<table class=\"table table-bordered table-striped\" border=\"0\" width=\"600\">\r\n<tbody>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2023</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2023.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2019 to June 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q2 2023.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q2 2023</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q1 2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2023</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q1 2023.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2019 to March 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q1 2023.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q1 2023</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2022.pdf\">The information re ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q4 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q4 2022</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2022.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q3 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q3 2022</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2022.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q1 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q2 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q2 2022</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q1 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q1 2022.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q1 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q1 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q1 2022.xlsx</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q4 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q4 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q4 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q3 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q3 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q2 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q2 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q2 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q1 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q1 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q1 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q1 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q1 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2020.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q4 2020\" href=\"documents/CBM/CBM data Q3 2007 - Q4 2020.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q4 2020</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2020_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2020</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2020_.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q3 2020\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2020_.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2020</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2020</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2020.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2020\" href=\"documents/CBM/CBM data Q2 2007 - Q2 2020.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q2 2020</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2019.pdf.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2019.pdf.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2019\" href=\"documents/CBM/CBM data Q2 2007 - Q4 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q4 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2019</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2019.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q3 2019\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2019.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2019\" href=\"documents/CBM/CBM data Q2 2007 - Q2 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q2 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM March 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2019 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM March 2019.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q1 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q1 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Dec 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Dec 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q4 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2018</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM sep 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM sep 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q1 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2018</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM June 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q1 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q1 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q1 2018.xlsx</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM March 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM March 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q1 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q1 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q1 2018</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Dec 17 final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Dec 17 final.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2017\" href=\"documents/CBM/CBM data Q2 2007 - Q4 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q4 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 17.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM September 17.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2017\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 17.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM June 17.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2017\" href=\"documents/CBM/CBM data Q2 2007 - Q2 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q2 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM March 2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM March 2017.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q12017\" href=\"documents/CBM/CBM data Q22007 - Q12017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q12017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM December 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM December 2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q32016\" href=\"documents/CBM/CBM Data December 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM Data December 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM September 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM September 2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q32016\" href=\"documents/CBM/CBM data Q22007 - Q32016.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q32016</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM June 2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\" CBM data Q22007 - Q12016\" href=\"documents/CBM/CBM data Q22007 - Q22016.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q22016</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM_March_2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM_March_2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\" CBM data Q22007 - Q12016\" href=\"documents/CBM/CBM_data_Q22007_Q12016.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q12016</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\" href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q42015\" href=\"documents/CBM/CBM data Q22007 - Q42015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q42015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/CBM/CBM%20June 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></b></b></a></td>\r\n<td><b>Credit Bureau Monitor - Third Quarter | September 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/CBM/CBM September 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q32015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q32015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/CBM/CBM%20June 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></b></b></a></td>\r\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/CBM/CBM June 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q22015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q22015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar15/CBM%20March 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - First Quarter | March 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar15/CBM March 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/mar15/CBM data Q22007 - Q12015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q12015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/dec14/CBM December 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/dec14/CBM December 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/dec14/CBM data Q22007 - Q42014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q42014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep14/CBM September 2014 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Third Quarter | September 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep14/CBM September 2014 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/sep14/CBM data Q22007 - Q32014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/june14/Credit Bureau Monitor June 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Second Quarter | June 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/june14/Credit Bureau Monitor June 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/june14/CBM data Q22007 - Q22014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/march14/CBM March 2014..pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - First Quarter | March 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/march14/CBM March 2014..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a href=\"documents/pages/publications/march14/CBM data Q22007 - Q12014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/dec13/CBM December 2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/dec13/CBM December 2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...</a></li>\r\n<li><a href=\"documents/pages/publications/dec13/CBM data Q22007-Q42013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep13/CBM September 2013- 1st draft.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep13/CBM September 2013- 1st draft.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...</a></li>\r\n<li><a href=\"documents/pages/publications/sep13/CBM data Q22007 - Q32013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/march14/CBM March 2014..pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/jun13/CBM June 2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...</a></li>\r\n<li><a href=\"documents/pages/publications/jun13/CBM data Q22007 - Q22013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar13/CBM March 2013 Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar13/CBM March 2013 Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/mar13/CBM data 2007 - Q12013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/dec12/CBM Dec 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/dec12/CBM Dec 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/dec12/CBM data 2007 -2012new.xls\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep12/CBM September 2012- Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep12/CBM September 2012- Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/sep12/CBM data 2007 -2012.xls\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/jun12/CBM.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/jun12/CBM.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/jun12/CBM2 data 2007 -2012.xls\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar12/Credit Bureu Monitor - March 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter |March 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar12/Credit Bureu Monitor - March 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/mar12/CBM data 2007 -2012.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012 </a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep11/CBM PRINT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2011</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep11/CBM PRINT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/sep11/Appendix Final Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/jun11/1CBM Final_Second Quarter June 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2011</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/jun11/1CBM Final_Second Quarter June 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/jun11/1Appendix Final_Second Quarter June 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar11/cbmmarch2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2011</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar11/cbmmarch2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/mar11/cbmmarch2011_appendix.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR_CBM_2010Dec.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR_CBM_2010Dec.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/research_stats/NCR_App_2010Dec.pdf\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM_June_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM_June_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/research_stats/Appendix.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM - March 2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM - March 2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CB Monitor - December 2009 Q.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CB Monitor - December 2009 Q.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CB Monitor- September.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CB Monitor- September.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CBM 2009_June.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CBM 2009_June.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR_CBM_2009_Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR_CBM_2009_Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CBM 2008 Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CBM 2008 Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CBM 2008 Q3 low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CBM 2008 Q3 low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CB Monitor-Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CB Monitor-Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CB Monitor-Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CB Monitor-Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR News SUm-Q1 AK-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR News SUm-Q1 AK-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR_Newsletter.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR_Newsletter.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--<div class=\"row-fluid\"><hr />\r\n<h2><strong>Credit Bureau Monitor Archives</strong></h2>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2014 Archive</a></h4>\r\n</div>\r\n<div class=\"row-fluid\">\r\n<!--<h4><a href=\"index.php/credit-bureau-monitor-2013-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2013 Archive</a></h4>\r\n<h4><a href=\"index.php/credit-bureau-monitor-2012-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2012 Archive</a></h4>\r\n<h4><a href=\"index.php/credit-bureau-monitor-2011-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2011 Archive</a></h4>_\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2010-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /></a> <a href=\"index.php/credit-bureau-monitor-2010-archive\">2010 Archive</a></h4>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2009-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2009 Archive</a></h4>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2008-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2008 Archive</a></h4>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2007-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /></a> <a href=\"index.php/credit-bureau-monitor-2007-archive\">2007 Archive</a></h4>\r\n</div>-->','',1,20,'2019-04-11 15:08:32',915,'','2023-10-05 15:21:29',915,0,'0000-00-00 00:00:00','2019-04-11 15:08:32','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',82,4,'','',1,265014,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(47,161,'Careers','careers','<p> </p>\r\n<table class=\"table table-bordered table-striped\" style=\"text-align: center;\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"4\" align=\"center\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address</td>\r\n</tr>\r\n<tr>\r\n<th>Position</th>\r\n<th>Closing Date</th>\r\n<th>Download</th>\r\n<th>Email</th>\r\n</tr>\r\n<tr>\r\n<td>Legal Advisor: Debt Counselling </td>\r\n<td>11 December 2023 </td>\r\n<td><a href=\"documents/careers/Legal Advisor Debt Counselling_2023.pdf\">download</a> </td>\r\n<td><a href=\"mailto:IF-Recruitment@ncr.org.za\">IF-Recruitment@ncr.org.za</a> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,16,'2019-04-11 15:16:17',915,'','2023-12-04 08:29:03',915,915,'2023-12-04 08:29:03','2019-04-11 15:16:17','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',393,0,'','',1,204855,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(48,162,'Consumer Credit Market Report (CCMR)','consumer-credit-market-report-ccmr','<table class=\"table table-bordered table-striped\" border=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2023</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2023Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2023Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2023Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2023</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2023Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2023Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2023Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2022Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2022Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2022Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2021Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2021Q2\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2021Q1\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2020Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2020Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2020Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2020</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2020Q3_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2020Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2020Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2020</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2020Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2020Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q2\" href=\"documents/CCMR/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2019Q1\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2018Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2018Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2018Q2\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2018Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2018Q2\" href=\"documents/CCMR/Web-Dataset 2007Q4 to 2018Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2018Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2018Q1\" href=\"documents/CCMR/Web-Dataset 2007Q4 to 2018Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2018Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2017Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2017Q4\" href=\"documents/CCMR/Web-Dataset 2007Q4 to 2017Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2017Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR December 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007-Q4 to 2016-Q4\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2016-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR September 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2016-Q3\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2016-Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR June 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2016-Q2\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2016-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2016-Q1\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2016-Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR Q4 December 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2015-Q4\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2015-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/CCMR Q3 2015 - V2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q2 to 2015-Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/CCMR Q2 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2015-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/CCMR_Q32015 - Design-YP4_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2015-Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/CCMR_Q42014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2014-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/CCMR Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2014 - Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2014</b> <br /><br />\r\n<ol>\r\n<li> <a href=\"publications/Consumer Credit Market Report/CCMR_Q22014 - Design-YP4_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.</a></li>\r\n<li style=\"margin-bottom: 5px;\"><a href=\"publications/Consumer%20Credit Market Report/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2014-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/march2014/CCMR Q12014 draft1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/march2014/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\">Web-Dataset 2007 - Q4 to 2014 - Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/dec2013/CCMR Q32013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/dec2013/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2013 - Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Report/ccmr_3rdQ2013/CCMR Q32013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a>.</li>\r\n<li><a href=\"publications/Consumer%20Credit%20Report/ccmr_3rdQ2013/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q2 to 2013-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer%20Credit%20Report/ccrm_2ndQ/CCMR%20Q2-Changes,%20F.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a href=\"publications/Consumer%20Credit%20Report/ccrm_2ndQ/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q2 to 2013-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Credit_Monitor/oct_13/CCMR%20Q2-Changes,%20F.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006. </a></li>\r\n<li><a href=\"publications/Credit_Monitor/oct_13/CBM%20data%20Q22007%20-%20Q22013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset CBM data 2007-Q4 to 2012-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer%20Credit%20Market%20Report/CCMR%20Q32012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African  consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a href=\"publications/Consumer%20Credit%20Market%20Report/Web-Dataset%202007-Q4%20to%202012-Q3.xls\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2012-Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,20,'2019-04-11 15:57:08',915,'','2023-10-24 07:59:17',915,0,'0000-00-00 00:00:00','2019-04-11 15:57:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',65,3,'','',1,344556,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(49,163,'Application forms','application-forms','<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/registration&amp;compliance/credit_providers/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Application for an additional branch </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/Registrant Info Update Form CP.doc\"> Information update form </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>','',1,27,'2019-04-17 12:38:21',915,'','2020-10-02 11:17:22',915,0,'0000-00-00 00:00:00','2019-04-17 12:38:21','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',16,2,'','',1,13128,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(50,164,'Application forms','application-forms','<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/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Application for an additional branch </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/debt_counsellors/Annexure_Confirmation_of_payment_of_fees_DC.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/debt_counsellors/REGISTRANT INFORMATION UPDATE FORM DC (2).docx\">Information update form </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>','',1,26,'2019-04-17 12:44:45',915,'','2021-04-16 14:20:06',915,0,'0000-00-00 00:00:00','2019-04-17 12:44:45','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',16,2,'','',1,5169,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(51,165,'Application forms','application-forms','<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Form 47.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/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Application for an additional branch</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/Registrant Info Update Form ADR.doc\">Information update form </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>','',1,24,'2019-04-17 13:12:24',915,'','2021-02-26 10:38:25',915,0,'0000-00-00 00:00:00','2019-04-17 13:12:24','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',17,2,'','',1,6649,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(52,166,'Application forms','application-forms','<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/form 5.pdf\">Application for Registration as a Credit Bureau reseller</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Additional Branch Form.doc\"> Application for adding a branch </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Annexure_Confirmation_of_payment_of_fees_CB.pdf\"> Annexure confirmation of payment of fees </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Registrant Info Update Form CB.doc\">Registrant information update form </a></li>\r\n</ul>','',1,29,'2019-04-17 13:17:27',915,'','2020-10-01 15:37:52',915,0,'0000-00-00 00:00:00','2019-04-17 13:17:27','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',13,1,'','',1,3908,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(53,167,'Application forms','application-forms','<ul>\r\n<li><a title=\"NCR resolution document \" 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  </a></li>\r\n<li><a title=\"NCR resolution document \" href=\"documents/pages/registration&amp;compliance/pda/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Application for an additional branch  </a></li>\r\n<li><a title=\"NCR resolution document \" href=\"documents/pages/registration&amp;compliance/pda/Registrant Info Update Form PDA.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Information update form  </a></li>\r\n<li><a title=\"NCR resolution document \" href=\"../documents/pages/PDA/Application_form/143 AD NCR RESOLUTION DOCUMENT.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">NCR resolution document </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>','',1,25,'2019-04-17 13:28:48',915,'','2020-10-02 11:38:19',915,0,'0000-00-00 00:00:00','2019-04-17 13:28:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',13,2,'','',1,4085,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(54,168,'Application forms','application-forms','<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/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Application for an additional branch</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/credit_bureau/Registrant Info Update Form CB.doc\"> Information update form </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>','',1,28,'2019-04-17 13:35:37',915,'','2020-10-02 11:29:32',915,0,'0000-00-00 00:00:00','2019-04-17 13:35:37','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',12,2,'','',1,4397,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(55,173,'Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful','tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful','<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the “on the road” fee, admin fee and handling fee on credit agreements.</p>\r\n<p>In its judgment, the Tribunal found that the “on the road” fee, admin fee and handling fee charged by Volkswagen Financial Services to consumers on credit agreements are not permitted by the National Credit Act (the Act).</p>\r\n<p>The Tribunal ordered Volkswagen Financial Services to –</p>\r\n<ol>\r\n<li>cease the practice and/or conduct of charging consumers the “on the road”, admin and handling fees on credit agreements from 10 April 2019 and to submit written confirmation to the NCR to this effect;</li>\r\n<li>calculate the total amount of charges, fees or interest levied on the “on the road”, admin and handling fees; and</li>\r\n<li>refund all those consumers charges, fees or interest levied and submit a report by independent auditors to the NCR.</li>\r\n</ol>\r\n<p> </p>\r\n<p>“The NCR welcomes this judgment as it affirms the protection given to consumers by the National Credit Act against illegal charges and fees on credit agreements”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>The NCR will continue to conduct industry-wide investigations on fees and charges on credit agreements to root out illegal charges and fees on credit agreements.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak88766\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span></p>\r\n<p align=\"center\">Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> 064 752 3920<br /> E-mail: <span id=\"cloak16219\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-07-01 10:33:54',915,'','2019-07-03 21:22:11',915,0,'0000-00-00 00:00:00','2019-07-01 10:33:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',3,50,'','',1,4136,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(56,174,'Do not overdo it this festive season – Spend Wisely!','do-not-overdo-it-this-festive-season-spend-wisely','<p align=\"right\"><strong>December 2018</strong></p>\r\n<p>This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR. The gross debtors book represents what consumers owe in terms of mortgages, vehicle finance, unsecured credit, store cards, credit cards, overdrafts, short term credit etc.</p>\r\n<p>“We are advising consumers to be cautious of their spending during this festive season and only spend what they can afford.” Consumers should not overdo it, says Golele. During the silly season you would find people spending unnecessarily on things that they do not need and sometimes wasting as they have additional income in a form of bonuses, stokvel payouts etc. “Additional income such as this can be used to settle debt and also be saved in platforms that will grow the money unlike spending it on things you do not need and those that will finish your money”, advises Golele.</p>\r\n<p>When spending during the festive season, consumers should think about the new year which will be upon us sooner that we can realise. The new year comes with its own expenses such as school uniform, school registration fees, transport costs, food costs and many other costs. “If you failed to plan and spend wisely during the festive season, you will find yourself cash strapped in the new year and it will be difficult to get out”, says Golele.</p>\r\n<p>He says consumers should only use registered credit providers when seeking credit because using unregistered lenders can end up being their worst nightmare in the near future. “Unregistered lenders will take your identity documents, bank cards / PINs and SASSA cards and withdraw your money immediately after you get paid. They will literally pay themselves first and leave you with change to get by for an entire month”, he adds.  Golele says this will lead to a debt-trap and make such consumers dependent on these lenders for a very long time.</p>\r\n<p>Unregistered lenders often charge consumers unlawful interest rates that are more than what the law specifies. The danger of being charged unreasonable interest rates is that consumers will battle to finish repaying the loan, meaning they will be stuck with that lender. “This means that you will be enslaved to the micro-lender”, cautions Golele. “According to the National Credit Act, each and every one who gives out credit and charges interest must register with the National Credit Regulator”, says Golele.</p>\r\n<p>During the silly season, consumers should be wary of deals such as “buy now, pay after three months” and then incur additional credit during those three months, cautioned Golele. “Do not be afraid to request for a pre-agreement statement and quotation when applying for any type of credit, remember, it is your right according to the National Credit Act.” A quotation will inform consumers on how much the new credit will cost them prior to putting their signatures on the contract/credit agreement. It will also enable consumers to shop around and do a comparison.</p>\r\n<p>“Use your bonus to reduce your debt burden by paying off existing debt. Remember as soon as you settle outstanding credit that you are blacklisted for, the listing will be removed from your credit report thus giving you a better chance of getting new credit for asset building purposes such as getting finance for a mortgage bond, says Golele.</p>\r\n<p>To consumers who have lost their jobs, please inform your credit providers about your situation. If you were paying for credit life insurance, contact your credit providers for assistance as the aim of credit life insurance is to pay the consumer’s debt either in full or a portion in case the consumer dies, gets retrenched or disabled whilst still owing that particular credit, says Golele.</p>\r\n<p>Below are tips to assist consumers to spend wisely during the festive season:</p>\r\n<ul>\r\n<li>Draw a budget for the month and include all debt, rent, electricity, water, insurance, transport, gifts, entertainment, etc;</li>\r\n<li>When going shopping, have a shopping list to avoid buying unnecessary items;</li>\r\n<li>If you didn’t budget for a holiday earlier in the year, it might be too late and risky in terms of finances to go on holiday this year;</li>\r\n<li>Prioritise your home loan and rent;</li>\r\n<li>Before you cancel any insurance, speak to a financial advisor;</li>\r\n<li>If you borrow money, make sure you borrow only for what is strictly necessary, and ensure that you can afford the repayments;</li>\r\n<li>Start saving for next year’s projects that you would like to undertake such as holidays, renovations, studying, big sales, etc;</li>\r\n<li>If you are battling with your debts, contact a registered debt counsellor for assistance; and</li>\r\n<li>As much as possible, during the festive season keep to your normal spending patterns. Don’t make drastic changes that may leave you over-indebted in the new year.</li>\r\n</ul>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak95593\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak96440\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:41:25',915,'','2019-04-24 10:41:25',0,0,'0000-00-00 00:00:00','2019-04-24 10:41:25','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,49,'','',1,2326,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(57,175,'The Supreme Court of Appeal dismisses the MFSA’s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations','the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations','<p><strong>November 2018</strong></p>\r\n<p>The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa’s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.</p>\r\n<p>The regulations reduced the interest rate on the second short-term loan in a calendar year from 5% to 3% per month.</p>\r\n<p>“The NCR welcomes the decision of the Supreme Court of Appeal and calls on all credit providers to support initiatives by government and the NCR to address consumer over-indebtedness”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>The regulations remain in force and mean that consumers pay 5% interest on the first short-term loan and 3% interest on subsequent short-term loans in a calendar year.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of credit providers, credit bureaus, debt counsellors, payment distribution agents, and alternative dispute resolution agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak9942\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak40534\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:45:30',915,'','2019-04-24 10:45:30',0,0,'0000-00-00 00:00:00','2019-04-24 10:45:30','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,47,'','',1,2512,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(58,176,'Don’t let Black Friday be the reason for your financial woes!','don-t-let-black-friday-be-the-reason-for-your-financial-woes','<p align=\"right\"><strong>November 2018</strong></p>\r\n<p>Out of the 24.59 million credit active consumers, 61.1% are in good standing. However, 38.9% or 9.6 million consumers have impaired records. This is a record on which a consumer and/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.</p>\r\n<p>“If you did not budget for “Black Friday” this year, do not be tempted because buying on impulse may cause you to have a bad credit record”, says Jimmy Golele, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<p>By preparing a budget, consumers can prevent buyers’ remorse and stress of arriving home with products and items that they do not really need. “Credit needs to be paid back with interest and fees”.  “It does cost more to pay by credit than to pay cash”, adds Golele.</p>\r\n<p>The Consumer Credit Market Report (CCMR) which is a publication issued by the NCR indicates that a large number of consumers have taken out credit facilities which largely include credit / garage cards and store cards. The NCR advises consumers to use credit wisely and only when it is necessary.</p>\r\n<p>Golele says that consumers need to take credit that they can afford and pay accordingly as per their credit agreements. Skipping payments will adversely affect consumers’ credit reports which will limit their future chances of accessing further credit when they really need it.</p>\r\n<p>Golele reminds consumers that the festive season is around the corner and if they do not spend wisely during this Black Friday, this could set them back financially in the new year and it will be difficult to catch up. “Consumers should prioritise necessities like their bond / rent, transport, groceries, school fees, insurance etc. before splurging on Black Friday”, advises Golele. “It is really not wise to fund Black Friday shopping spree by taking unnecessary debt because debt is costly and should be used for asset building”, says Golele.</p>\r\n<p>To help consumers avoid the urge to unnecessarily spend this Black Friday, Golele offers these helpful tips:</p>\r\n<ul>\r\n<li>Set a realistic budget of what you can afford to spend and stick to it;</li>\r\n<li>Don’t spend what you don’t have – this means do not live beyond your means and don’t buy if you haven’t budgeted;</li>\r\n<li>If an item is on sale and you buy it on credit, remember that interest and fees will push up the price. Therefore, cash is king!</li>\r\n<li>Don’t be impulsive when you shop;</li>\r\n<li>Have a shopping list to avoid buying unnecessary items - if you don’t need it now, chances are you may never need it. So avoid wasting your time and hard earned money;</li>\r\n<li>Don’t forget to get a free copy of your credit report from registered credit bureaus on the NCR’s website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a>.</li>\r\n</ul>\r\n<p> </p>\r\n<p>“Don’t let Black Friday burn a hole in your pocket and be a reason for your financial woes next year”, concludes Golele.</p>\r\n<p align=\"center\"><strong>ENDS</strong> </p>\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p> </p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak20434\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak93619\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:46:50',915,'','2019-04-24 10:46:50',0,0,'0000-00-00 00:00:00','2019-04-24 10:46:50','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,46,'','',1,2332,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(59,177,'The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling','the-national-credit-regulator-to-educate-the-community-of-katlehong-in-ekurhuleni-on-their-consumer-rights-and-debt-counselling','<p align=\"right\">November 2018</p>\r\n<p>The National Credit Regulator (NCR) will be hosting a workshop in Katlehong on Saturday, 17 November 2018 on an initiative to educate consumers who reside in and around Katlehong on the National Credit Act (NCA), debt counselling, their consumer rights and responsibilities on credit related matters. This workshop will be held in Ekurhuleni School for the Deaf.</p>\r\n<p>The workshop aims to equip the community with education and awareness of their rights and responsibilities on credit related matters in terms of the National Credit Act. Statistics show that there are about 24.59 million credit active consumers in South Africa and of this number, 38.9% which is 9.6 million consumers unfortunately have impaired records. An impaired record is a record in which a consumer and/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.</p>\r\n<p>The NCR will be providing consumers of Katlehong and the surrounding areas with guidance on how to manage their debts, what debt counselling is, how does it work and also dispel the myths associated with debt counselling and the roles of credit bureaus. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator says the NCR will be educating, raising awareness and empowering consumers on how to handle credit and/or debt related problems. </p>\r\n<p>She says that there are many reasons why people find themselves in financial distress, such as the recession, change in circumstances like divorce or death, poor financial planning and others. These may cause consumers to find themselves no longer being able to pay their monthly debt repayments.</p>\r\n<p>Legodi says that consumers who are in this situation should not hide or feel despondent as there could be help in the form of debt counselling. Debt counselling is a debt relief measure in terms of the NCA that aims to provide relief for consumers who are struggling with debt. This service is only offered by debt counsellors who are registered with the NCR.</p>\r\n<p>The NCR has also invited different stakeholders dealing with consumer related issues who will be present on the day of the workshop. We therefore encourage consumers, to attend this workshop and use the opportunity to engage the NCR on any credit related query and/or complaint they may have. A consumer who is educated on his/her rights is a protected one, concludes Legodi.</p>\r\n<p align=\"center\">ENDS</p>\r\n<hr />\r\n<p align=\"center\"><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak73060\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak28627\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>\r\n<p> </p>','',1,8,'2019-04-24 10:47:19',915,'','2019-04-24 10:47:19',0,0,'0000-00-00 00:00:00','2019-04-24 10:47:19','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,45,'','',1,1542,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(60,178,'The National Credit Regulator issues a public warning about Charis Financial Services','the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services-2','<p align=\"right\"><strong>October 2018</strong></p>\r\n<p>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal. <br /> <br /> Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.  <br /> <br /> “Credit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and / or the value of the principal debt”, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.</p>\r\n<p>“The NCR will continue with operations to monitor unregistered entities around the country and will bring applications to the National Consumer Tribunal to have credit agreements concluded by unregistered entities to be declared unlawful”, she added.</p>\r\n<p>“Consumers are urged to ensure that they only apply for credit from credit providers who are registered with the NCR”, Peters concluded.  If a consumer is unsure or in doubt about the legitimacy of the credit provider or a credit agreement, they should contact the NCR on (011) 554-2600/2700 or visit <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a>.   </p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak92562\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span><br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak39042\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:48:22',915,'','2019-04-24 10:48:22',0,0,'0000-00-00 00:00:00','2019-04-24 10:48:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,44,'','',1,2026,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(61,179,'Credit extension seasonally surges','credit-extension-seasonally-surges','<p align=\"right\"><strong>October 2018</strong></p>\r\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018. <br /> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2018:</p>\r\n<ul>\r\n<li>The value of new mortgages granted increased by R4.78 billion (13.50%) quarter-on-quarter and by R3.34 billion (9.07%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, increased by R61.21 million (0.15%) quarter-on-quarter and by R2. 38 billion (6. 07%) year-on-year.</li>\r\n<li>Credit facilities increased by R1.90 billion (11.35%) quarter-on-quarter and by R3.30 billion (21.56%) year-on year.</li>\r\n<li>Unsecured credit increased by R2.77 billion (11.95%) quarter-on-quarter and by R5.94 billion (29.58%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2018 was R1.80 trillion, representing an increase of 1.14% quarter-on-quarter and 4.76% year-on-year. The trends for outstanding balances for the quarter ended June 2018 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R8.44 billion (0.92%) for the quarter ended June 2018 and by R33.11 billion (3.72%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R3. 49 billion (0.85%) for the quarter ended June 2018 and by R23.09 billion (5.87%) year-on-year.</li>\r\n<li>Credit facilities debtors book increased by R1.54 billion (0.67%) for the quarter ended June 2018 and by R6.28 billion (2.79%) year-on-year.</li>\r\n<li>Unsecured credit debtors book increased by R6.01 billion (3.48%) for the quarter ended June 2018 and by R13.16 billion (7.96%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 24.59 million credit-active consumers, which showed a decrease of 3.44% when compared to the 25.46 million in the previous quarter. Consumers classified in good standing decreased by 751,431 to 15.02 million consumers. This amounts to 61.08% of the total number of credit-active consumers, a decrease of 0.85% quarter-on-quarter and an increase of 0.17% year-on-year. The number of credit active accounts decreased from 79.08 million to 76.02 million in the quarter ended June 2018. The number of impaired accounts has decreased in absolute terms from 19.42 million (24.55%) to 19.07 million (25.08%) when compared to March 2018, a decrease of 348,729 quarter-on-quarter and 905,454 year-on-year.</p>\r\n<p>The number of enquiries made on consumer credit records was 375.32 million, this was a decrease of 14.64% quarter-on-quarter and of 21.80% year-on-year. Consumer initiated enquiries accounted for 24.52 million of all enquiries, an increase of 0.94% quarter-on-quarter and 33.11% year-on-year. The number of credit reports issued to consumers decreased from 196,920 in the previous quarter to 174,378. A total 98,523 (56.50%) credit reports were issued without charge, and the remaining 75,855 (43.50%) were issued with charge. There were 32,727 disputes lodged on information held on consumer credit records for the quarter ended June 2018, an increase of 6.07% quarter-on-quarter and of 5.26% year-on-year.</p>\r\n<p>Consumers battling with their debt repayments should not despair, they are encouraged not to avoid their credit providers but to approach them to assist with payment re-arrangements. In worst cases the assistance of registered debt counsellors must be sought. The debt counselling process was introduced to assist consumers who are over-indebted. Such consumers can no longer meet their debt obligation and living expenses with their income. A registered debt counsellor will assist the consumer with budget advice and assist with the debt restructuring on behalf of the consumer, says Nomsa Motshegare, CEO at the NCR. Consumers must have an income to be accepted to the debt counselling process. Their income will be used in the restructuring process with credit providers, concludes Motshegare.</p>\r\n<p><strong><em>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the March 2018 and June 2018 quarters, and ‘year-on-year’ refers to a comparison between the June 2017 and June 2018 quarters</em></strong><strong>.</strong></p>\r\n<p align=\"center\">Issued by: The National Credit Regulator</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak73877\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak27161\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2018-08-03 10:49:01',915,'','2019-07-03 21:20:16',915,0,'0000-00-00 00:00:00','2018-08-03 10:49:01','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,43,'','',1,5248,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(62,185,'Credit Bureau Compliance','compliance-credit-bureau','<h5>Mandate of the Credit Bureau Compliance</h5>\r\n<p>Credit Information Department , regulates  the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (“NCA”).</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  accurate 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>','',1,39,'2019-06-05 12:56:07',915,'','2020-10-02 08:20:17',915,0,'0000-00-00 00:00:00','2019-06-05 12:56:07','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',8,2,'','',1,37349,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(63,186,'Debt Counselling','debt-counselling','<h5>Mandate of the Debt Counselling department</h5>\r\n<p>To monitor compliance of Debt Counsellors, Credit Providers’ 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’s credit profile. This flag is not a negative listing or “Blacklisting” 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.  </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’s 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>','',1,31,'2019-06-06 09:53:22',915,'','2020-09-23 15:13:48',915,0,'0000-00-00 00:00:00','2019-06-06 09:53:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',15,0,'','',1,55075,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(64,189,'Statistics and Research ','statistics-and-research','<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>','',1,32,'2019-06-10 14:32:35',915,'','2020-09-23 14:46:02',915,0,'0000-00-00 00:00:00','2019-06-10 14:32:35','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',9,0,'','',1,15060,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(65,190,'Contact the National Credit Regulator','contact-the-national-credit-regulator','','',1,18,'2019-06-25 13:12:48',915,'','2019-06-25 13:12:48',0,0,'0000-00-00 00:00:00','2019-06-25 13:12:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,0,'','',1,3123,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(66,194,'map','map','<p>{googleMaps addr=\"37.4219720, -122.0841430\"}</p>','',1,2,'2019-06-26 09:21:54',915,'','2019-06-26 09:30:19',915,0,'0000-00-00 00:00:00','2019-06-26 09:21:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"0\",\"link_titles\":\"0\",\"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\":\"\"}',4,3,'','',1,2707,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(67,196,'Background Documents on the NCA','background-documents-on-the-nca-2','<h4>Credit law review: setting the scene</h4>\r\n<p><img src=\"images/NCA_document_1.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Introduction-RevNo1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit law review: setting the scene</a></p>\r\n<hr />\r\n<h4>Credit Law Review | August 2003</h4>\r\n<p><img src=\"images/NCA_document_2.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Summary of Findings.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit Law Review</a></p>\r\n<hr />\r\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit</h4>\r\n<p><img src=\"images/NCA_document_3.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Credit Law Review.pdf\">Click here to view the Making Credit Markets Work</a></p>','',1,19,'2019-06-27 08:47:26',915,'','2019-06-27 08:47:26',0,0,'0000-00-00 00:00:00','2019-06-27 08:47:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,0,'','',1,36163,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(68,198,'The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act','the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act','<p align=\"right\"><strong>July 2019</strong></p>\r\n<p>The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.</p>\r\n<p>The NCR had sought an order from the High Court that the common law set-off has been superseded by section 124 of the NCA. The common law set-off is applied when two persons owe each other and the debts are extinguished by setting them off against each other. The banks apply this by transferring funds deposited into consumers’ accounts to settle debts on credit agreements without the consumers’ authorisation.</p>\r\n<p>The court ruled that the purpose of section 124 is to effect a break from the common law and to oust the continued application of the common law set-off in parallel with section 124. It also ruled that section 124 excludes the operation of the common law set-off in all credit agreements that are regulated by the NCA.</p>\r\n<p>“The NCR welcomes this judgment as it protects consumers from financial difficulties caused by the arbitrary transfer of funds from their accounts by banks”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>“Banks should obtain permission from consumers before transferring funds from consumers’ accounts to pay amounts due under credit agreements”, Motshegare added. </p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information, contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or<br /> Lebogang Selibi<br /> (011) 554-2722<br /> 064 752 3920<br /> E-mail: <a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></p>','',1,8,'2019-07-02 14:15:19',915,'','2019-07-02 14:15:19',0,0,'0000-00-00 00:00:00','2019-07-02 14:15:19','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,42,'','',1,5170,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(69,199,'The Tribunal rules that child support and foster care grants cannot be used as consumer’s income to apply for credit.','the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit','<p align=\"right\"><strong>July 2019</strong></p>\r\n<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.</p>\r\n<p>The evidence presented by the NCR showed that JMK Cash Loans extended credit to consumers who received child support and foster care social grants.</p>\r\n<p>In its judgment, the Tribunal made a finding that child support and foster care social grants are income to be used for the benefit of third parties and cannot be deemed to be the consumer’s income.</p>\r\n<p>“This judgement clarifies that child support and foster care social grants are not to be used as consumer income in credit applications. They are intended to be used for the care and support of the children”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>“Credit providers are warned to observe this judgement and ensure that they do not allow consumers to use child support and foster care social grants as income in credit applications”, concludes Motshegare.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p align=\"center\"><strong>Issued by:</strong></p>\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p> </p>\r\n<p align=\"center\"><strong>For more information, contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak16541\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span></p>\r\n<p align=\"center\">Or<br /> Lebogang Selibi<br /> (011) 554-2722<br /> 064 752 3920<br /> E-mail: <span id=\"cloak28233\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-07-18 08:37:31',915,'','2019-08-01 08:38:44',915,0,'0000-00-00 00:00:00','2019-07-18 08:37:31','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,41,'','',1,5193,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(70,200,'Media Release','media-release','<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/media releaase october 2023 - NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers                     Small Credit Providers in South Africa.pdf\">NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers Small Credit Providers in South Africa</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/CCMR-CBM Press Release October 2023 (003).pdf\">Credit Extension slows down while impairments worsen</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Media Release- TechSprint (11 Sept).pdf\">National Credit Regulator and IFC announce Tech Competition to Empower Small Credit Providers in South Africa</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/investigations in the cape town.pdf\">Investigations in the Cape Town</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Media Release- TechSprint Briefing.pdf\">TechSprint Briefing Media Release</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/CCMR-CBM Press Release March 2023 final.pdf\">CCMR-CBM Press Release March 2023 final</a></td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2023</td>\r\n<td width=\"826\"><a href=\"documents/media release Borrow Wisely 2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Borrow Wisely. T’s and C’s apply! </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">December 2022</td>\r\n<td width=\"826\"><a href=\"documents/Spend wisely during festive season December 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Spend wisely during festive season </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t let Black Friday lead to a Blacklisting! </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release Stats_September 2022 (002) (2) (002).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit extension marginally slows down </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">September 2022</td>\r\n<td width=\"826\"><a href=\"documents/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t be the next victim of a cyber-scam </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release - Debt counselling Campaign(August)-Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt counselling-a debt relief measure for over-indebted consumers </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">June 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release on credit bureau information Youth - 30 June 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Keep your credit bureau record clean regardless of the rising cost of living </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">May 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release - MSR_May 2022.pdf\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release _Social media advertising Debt Counselling- March 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Misleading advertising on Social Media platforms regarding debt counselling </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release Consumer Rights 2022 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumer rights in the digital world </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release on borrow wisely - 2022 final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumers are encouraged to borrow wisely and start saving </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2021</td>\r\n<td width=\"826\"><a href=\"documents/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Be smart, mind your money, know your rights webinar </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2021</td>\r\n<td width=\"826\"><a href=\"documents/Clarke Gardener.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2021</td>\r\n<td width=\"826\"><a href=\"documents/Media Release Black Friday FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Lit Black Friday Vibes – Don’t burn your budget! </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2021</td>\r\n<td width=\"826\"><a href=\"documents/media release Cards retention.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">It is illegal for a credit provider to take a consumer’s ID or cards when granting credit </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2021</td>\r\n<td width=\"826\"><a href=\"documents/Press release October 2021 -.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Mortgages growth holds steady </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2021</td>\r\n<td width=\"826\"><a href=\"documents/Looting destruction.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Looting mayhem has cost some consumers dearly</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2021</td>\r\n<td width=\"826\"><a href=\"documents/Approved media release Debt counselling2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt counselling offers new lease of life for over-indebted consumers</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">July 2021</td>\r\n<td width=\"826\"><a href=\"documents/Media release Mens vs Finances 2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Men and finances</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">July 2021</td>\r\n<td width=\"826\"><a href=\"documents/press release June 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit extension slows down</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">June 2021</td>\r\n<td width=\"826\"><a href=\"documents/Media release June 2021- Youth and CB.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The importance of knowing your credit status</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">June 2021</td>\r\n<td width=\"826\"><a href=\"documents/Debt Relief - June 2021 (003).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to “Debt Intervention”</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">April 2021</td>\r\n<td width=\"826\"><a href=\"documents/4. Credit Ombud and NCR MoU.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The NCR and the Credit Ombud rowing together in the same boat.</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2021</td>\r\n<td width=\"826\"><a href=\"documents/Consumer Rights - March 2021_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t let bad credit pollute your life</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2021</td>\r\n<td width=\"826\"><a href=\"documents/Borrow Wisely Media Release FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Start the 2021 on a good note, spend wisely borrow wisely!</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">December 2020</td>\r\n<td width=\"826\"><a href=\"documents/Media Release - Spend wisely..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2020 has been difficult for many, spend wisely for a better New Year</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2020</td>\r\n<td width=\"826\"><a href=\"documents/Media Release - Black Friday 2020..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid spending what you do not have on Black Friday!</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2020</td>\r\n<td width=\"826\"><a href=\"documents/press release October 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Covid-19 impact on credit extension</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">September 2020</td>\r\n<td width=\"826\"><a href=\"documents/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">September 2020</td>\r\n<td width=\"826\"><a href=\"documents/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2020</td>\r\n<td width=\"826\"><a href=\"documents/Debt counselling provides hope for those in need.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt counselling provides hope for those in need </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">July 2020</td>\r\n<td width=\"826\"><a href=\"documents/Consumer Options during COVID19.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Managing debt during COVID-19 times </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">April 2020</td>\r\n<td width=\"826\"><a href=\"documents/COVID-19- Credit Life Insurance..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumers advised to use their credit life insurance for relief </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">April 2020</td>\r\n<td width=\"826\"><a href=\"documents/Media Release - Fake CPs and Upfront Payment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Be careful of \"fake\" credit provider scams during the covid-19 pandemic </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2020</td>\r\n<td width=\"826\"><a href=\"documents/COVID-19 Media Release.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid panic buying as it may lead to over-indebtedness </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2020</td>\r\n<td width=\"826\"><a href=\"documents/Consumer Rights - March 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Know your Consumer Rights and be protected </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2020</td>\r\n<td width=\"826\"><a href=\"documents/Shoprite 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Appeal court confirms Shoprite granted credit recklessly to consumers </a>  </td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Asia Lamara.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator: Asia Lamara’s registration as a debt counsellor cancelled </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Borrow Wisely - January 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit is expensive, be a smart consumer and borrow wisely! </a> </td>\r\n</tr>\r\n<tr>\r\n<td>December 2019</td>\r\n<td><a href=\"documents/Spend wisely - December 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Spend wisely this festive season, January is a few weeks away! </a>                                                          </td>\r\n</tr>\r\n<tr>\r\n<td>November 2019</td>\r\n<td><a href=\"documents/Black Friday - November 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t let Black Friday lead to “Blacklisting”! </a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2019</td>\r\n<td><a href=\"documents/CB Compliance Media Release - November 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator: Do not be duped to pay for free services </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2019</td>\r\n<td><a href=\"documents/Press Release October 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Increase in credit extension </a>                                                          </td>\r\n</tr>\r\n<tr>\r\n<td>August 2019</td>\r\n<td><a href=\"documents/Debt Counselling - August.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consider debt counselling to defeat debt</a></td>\r\n</tr>\r\n<tr>\r\n<td>July 2019</td>\r\n<td><a href=\"documents/Media Release July 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The Tribunal rules that child support and foster care grants cannot be used as consumer’s income to apply for credit.</a>                                                          </td>\r\n</tr>\r\n<tr>\r\n<td>July 2019</td>\r\n<td><a href=\"documents/Standard Bank common law set-off judgment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>May 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Card Retention.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers </a></td>\r\n</tr>\r\n<tr>\r\n<td>April 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/VW on the road fees.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful </a></td>\r\n</tr>\r\n<tr>\r\n<td>February 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Eastern cape raid - Feb 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Borrow Wisely 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> If you have to borrow, borrow wisely! </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2019 -</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/NCR issues warning against fake loan scams 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator issues a public warning against fake loan scams </a></td>\r\n</tr>\r\n<tr>\r\n<td>December 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Spend Wisely.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Do not overdo it this festive season – Spend Wisely!</a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media release on decision of the SCA on MFSA application for special leave.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> The Supreme Court of Appeal dismisses the MFSA’s application for special leave to appeal the judgment of the Full Court of the North Gauteng </a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Black Friday - November1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Don’t let Black Friday be the reason for your financial woes! </a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media Release - Debt Counselling.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media Release 17 october.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> The National Credit Regulator issues a public warning about Charis Financial Services </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2018</td>\r\n<td><a href=\"documents/Press Relese oct 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Credit extension seasonally surges </a></td>\r\n</tr>\r\n<tr>\r\n<td>September 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Debt Counselling - SeptemberMedia Release (00000003).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">If you can no longer afford to pay your debts, debt counselling could be of help</a></td>\r\n</tr>\r\n<tr>\r\n<td>August 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media statement on Full Court judgment against MFSA.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan</a></td>\r\n</tr>\r\n<tr>\r\n<td>August 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/NCR -Lewis Stores_SCA Leave to Appeal.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment</a></td>\r\n</tr>\r\n<tr>\r\n<td>July 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/NCR issues warning against fake loan scams.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">8 NCR issues warning against fake loan scams</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/CCMR CBM Press Release June 2018_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">J Credit extension slows down </a></td>\r\n</tr>\r\n<tr>\r\n<td>April 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Consumer credit health improves.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumer credit health improves </a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Consumerrights.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Know your rights - Do not to pay any upfront fees when applying for loans </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Borrow Wisely.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Avoid over-indebtedness and borrow wisely </a></td>\r\n</tr>\r\n<tr>\r\n<td>Novemeber 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Black Friday and Festive spending.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Don’t shop till you drop on Black Friday - Spend Wisely </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/media Release VWFS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements </a></td>\r\n</tr>\r\n<tr>\r\n<td>September 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/SHOPRITE MEDIA RELEASE.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Tribunal finds Shoprite guilty of reckless lending </a></td>\r\n</tr>\r\n<tr>\r\n<td>August 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/CCMR  CBM Press Release March 2017_20170807.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Credit extension slows down </a></td>\r\n</tr>\r\n<tr>\r\n<td>July 2017</td>\r\n<td><a href=\"documents/Foschini.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2017</td>\r\n<td><a href=\"documents/Recession may affect consumers badly _ June 2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Recession may affect consumers badly</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2017</td>\r\n<td><a href=\"documents/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> NCR appeals NCT Judgment in favour of Lewis Stores</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2017</td>\r\n<td><a href=\"documents/Mr Price media statement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>May 2017</td>\r\n<td><a href=\"documents/Medial Release on Allied Capital LM  15 May 2017.pdf\"> Tribunal declares Allied Capital (Pty) Ltd’s “pawn your car and still drive it” scheme unlawful and orders return of consumers’ cars</a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2017</td>\r\n<td><a href=\"documents/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights</a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2017</td>\r\n<td><a href=\"documents/Theunissen release.pdf\">National Credit Regulator raids Nian Shun Trading in Theunissen</a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2017</td>\r\n<td><a href=\"documents/MEDIA_RELEASE_unregistered_entities.pdf\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers</a></td>\r\n</tr>\r\n<tr>\r\n<td>February 2017</td>\r\n<td><a href=\"documents/MEDIA RELEASE -Eagle Cahs Loans.pdf\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>February 2017</td>\r\n<td><a href=\"documents/Final Credit Life Insurance Regulations.pdf\"> Final Credit Life Insurance Regulations</a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2017</td>\r\n<td><a href=\"documents/Media release on set-off.pdf\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court</a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2017</td>\r\n<td><a href=\"documents/Media Release - January 2017.pdf\">Borrow responsibly with the future in mind</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2019-08-06 08:17:21',915,'','2023-10-16 15:41:07',915,0,'0000-00-00 00:00:00','2019-08-06 08:17:21','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',97,1,'','',1,36930,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(71,201,'Campaigns','campaigns','<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table width=\"100%\" cellspacing=\"10\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h3>Debt Counselling</h3>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\"><img src=\"images/campaign images/Social-Media-Post-1.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td align=\"center\"><img src=\"images/campaign images/Social-Media-Post-2.jpg\" alt=\"\" width=\"200\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table width=\"100%\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td align=\"center\"><img src=\"images/campaign images/NCR Social-Media-Post-3.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td align=\"center\"><img src=\"images/campaign images/NCR Social-Media-Post-4.jpg\" alt=\"\" width=\"200\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table width=\"100%\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td><img src=\"images/campaign images/NCR-Social-02.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td><img src=\"images/campaign images/NCR-Social-03.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td><img src=\"images/campaign images/NCR-Social-04.jpg\" alt=\"\" width=\"200\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"4\" align=\"center\">\r\n<h5>Debt Counselling Campaign </h5>\r\n</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb010.jpg\" alt=\"\" width=\"110\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb011.jpg\" alt=\"\" width=\"110\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb012.jpg\" alt=\"\" width=\"110\" height=\"143\" /> </td>\r\n<td> <img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb013.jpg\" alt=\"\" width=\"110\" height=\"143\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td>Youth Month<br /> Campaign</td>\r\n<td>Debt Counselling<br /> Campaign</td>\r\n<td>Spend Wisely<br /> Campaign</td>\r\n<td>World Cup<br /> Campaign</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/campaign images/Youth Month Camp/youth_camp_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - Aug2009/debt_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Spend Wisely Camp/Tighten_your_belt_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/World Cup Camp - june2010/world_cup_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td colspan=\"2\">\r\n<h5>Women\'s Month Campaign</h5>\r\n</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/campaign images/Women\'s Month Camp/5_tips2010_07_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Women\'s Month Camp/5_tips2010_08_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h5>Savings Month Campaign - Starting saving today Campaign</h5>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\"><img src=\"images/campaign images/SASI/sasi_thumb_04.jpg\" alt=\"\" width=\"240\" height=\"63\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h5>Consumer Rights</h5>\r\n<img src=\"images/website banner consumer rights.jpg\" width=\"70%\" /></td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" valign=\"top\">\r\n<ul>\r\n<li><a href=\"images/NCR TV Ad final.mp4\">click here to hear the Radio advert</a></li>\r\n</ul>\r\n</td>\r\n<td valign=\"top\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\">\r\n<ul>\r\n<li type=\"\"><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - English (35sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Ndebele (46sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Sepedi (45sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Sepedi</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - South Sotho (48sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Setswana (48sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Siswati (50sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Siswati</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Venda (47sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Xhosa (49sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Zulu (49sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></li>\r\n</ul>\r\n</td>\r\n<td> </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h5>Money Smart Week South Africa.</h5>\r\n<img src=\"images/facebook cover.jpg\" width=\"100%\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellpadding=\"10\" align=\"center\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_2.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_1.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_3.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_4.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h3>Be Credit Smart</h3>\r\n</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Billboard3.png\" width=\"250\" /></td>\r\n<td><img src=\"images/Billboard2.png\" width=\"250\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Billboard_be_credit_smart.jpg\" width=\"250\" /></td>\r\n<td><img src=\"images/Billboard_know_your_rights.jpg\" width=\"250\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Billboard_hard_times.jpg\" width=\"250\" /></td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td>\r\n<p><img src=\"images/campaign images/NCR1-960x300.png\" /> <br /><img src=\"images/campaign images/NCR2-960x300.png\" /><br /> <img src=\"images/campaign images/NCR3-960x300.png\" /></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><img src=\"images/campaign images/NCR4-960x300.png\" /><br /> <img src=\"images/campaign images/NCR5-960x300.png\" /></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--<hr />\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Orange300x250.gif\" width=\"250\" /></td>\r\n<td><img src=\"images/Orange300x250_1.gif\" width=\"250\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<p align=\"center\"><img src=\"images/NCR2.gif\" /></p>\r\n<p align=\"center\"><img src=\"images/Orange728x90.gif\" height=\"51\" /></p>--><hr />\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"4\" align=\"center\">\r\n<h5>Consumer Month Campaign </h5>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/2010_01_tips_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/5_tips2010_03_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/5_tips2010_04_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/5_tips2010_02_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"4\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td colspan=\"4\">\r\n<h5> </h5>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-1_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-2_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-3_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-4_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />','',1,20,'2019-09-04 14:50:40',915,'','2023-02-06 15:31:35',915,915,'2023-02-06 15:31:35','2019-09-04 14:50:40','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',103,1,'','',1,16557,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(72,206,'Disclaimer','disclaimer','<p><strong>Purpose</strong></p>\r\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions. </p>\r\n<p><strong>Privacy policy for all visitors</strong></p>\r\n<p>When visiting our website, our system automatically collects and stores the following information:</p>\r\n<ul>\r\n<li>The internet protocol (IP) address</li>\r\n<li>The pages visited</li>\r\n<li>The operating system used</li>\r\n<li>The date, time and length of visit</li>\r\n<li>The type of browser used, such as Netscape or Internet Explorer</li>\r\n</ul>\r\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.</p>\r\n<p> <strong>How this information is used</strong></p>\r\n<p>This information is used to enable The NCR to:</p>\r\n<ul>\r\n<li>Provide for our subscribers\' preferences</li>\r\n<li>Improve current services provided by us.</li>\r\n</ul>\r\n<p><strong>Security used to protect Information</strong></p>\r\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.</p>\r\n<p><strong>Access to the Information</strong></p>\r\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:</p>\r\n<ul>\r\n<li>When given permission by the subscriber to do so</li>\r\n<li>To enforce agreements with customers and visitors</li>\r\n<li>To protect the rights, property or safety of The NCR, its users or others</li>\r\n<li>When required to do so by law</li>\r\n</ul>\r\n<p><strong>Changes to the Privacy Policy</strong></p>\r\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.</p>\r\n<p><strong> Consumer Concerns</strong></p>\r\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at  info@ncr.org.za</p>','',1,36,'2020-02-24 09:25:48',915,'','2020-03-17 12:59:58',915,0,'0000-00-00 00:00:00','2020-02-24 09:25:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',3,0,'','',1,9298,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(73,210,'media Release','media-release','<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Shoprite 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Appeal court confirms Shoprite granted credit recklessly to consumers </a>  </td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Asia Lamara.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator: Asia Lamara’s registration as a debt counsellor cancelled </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td>December 2019</td>\r\n<td>                                                              </td>\r\n</tr>\r\n</tbody>\r\n</table>','',-2,2,'2020-02-24 14:40:54',915,'','2020-02-24 14:40:54',0,0,'0000-00-00 00:00:00','2020-02-24 14:40:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,0,'','',1,116,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(74,212,'Webinars','webinars','<table border=\"0\" width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><strong> NCR Educational webinar</strong></td>\r\n<td><strong>NCR Task team agreements</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR Webinars.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/NCR Webinars WEB 2.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR DHS transfers webinars</strong></td>\r\n<td><strong>NCR DC Bonds</strong> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR WEBINAR WEB 3.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/DC BONDS.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>NCR DC Complaince</strong></td>\r\n<td><strong>DC Advertising practices</strong> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR Webinar - DC Complaince.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/DC ADVERTISING PRACTICES.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>NCR: Consumer Education Debt Counselling webinar</strong></td>\r\n<td> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/Debt Counselling Consumer Education Webinar.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2020-03-23 09:58:22',915,'','2022-08-26 13:51:42',915,915,'2023-11-21 15:42:24','2020-03-23 09:58:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',6,0,'','',1,15901,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(75,213,'Know your Consumer Rights and be protected','know-your-consumer-rights-and-be-protected','<p align=\"right\"><strong>March 2020</strong></p>\r\n<p>March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide. The National Credit Regulator (NCR) is one of the consumer protection agencies, which celebrates WCRD and has also adopted the month of March as a consumer rights month. During the month of March, the NCR, intensifies its educational initiatives to advocate key consumer rights and responsibilities and to encourage the credit industry players to comply with the National Credit Act (NCA), says Adv. Kedilatile Legodi, Acting Manager: Education and Communication.</p>\r\n<p>The NCR in collaboration with other members of the Consumer Protection Forum (CPF) (CPF is a government voluntary association of consumer protection bodies), will partake in the WCRD celebration on Friday, 13th March 2020 at the East London International Convention Centre in the Eastern Cape under the theme “Fighting Consumer Exploitation.”</p>\r\n<p>This main event will be preceded by a build-up of various events comprising multiple stakeholders. These events will include both compliance monitoring and consumer education and awareness interventions in the Amathole District. In addition to these, the NCR will participate in a number of provincial interactive programmes and undertake awareness programmes using various mediums.</p>\r\n<p>This year, the NCR continues to encourage consumers to know their credit rights to make informed credit decisions and speak up when there is a need to do so. Adv. Legodi believes that consumers can only exercise their rights and responsibilities if they are aware of such.</p>\r\n<p>The National Credit Act provides for key consumer rights as listed below:</p>\r\n<ul>\r\n<li>Right to apply for credit –This application must be made in good faith with truthful disclosure of all information by the consumer. If the application is declined by the credit provider, a consumer has a right to receive reasons why the credit application has been declined;</li>\r\n<li>Right to disclosure of information – A credit provider must provide a consumer with a pre-agreement statement and quotation before he/she can accept and sign the credit agreement;</li>\r\n<li>Right to receive documents in official language – A consumer has the right to receive any document that is required in terms of the NCA in an official language that the consumer reads or understands, to the extent that is reasonable, having regard to usage, practicality, expense, regional circumstances and the balance of the needs and preferences of the population ordinarily served by the person required to deliver that document;</li>\r\n<li>Right to receive information in plain and understandable language –A credit provider must give the consumer documents that are in plain, simple and understandable language. This means that the contents, meaning and importance of the document must be easy to understand;</li>\r\n<li>Right to confidential treatment of personal information – This means that the credit provider may only use your information for the purpose for which it was given;</li>\r\n<li>Right to access and challenge information held at the credit bureau – A Consumer has a right to receive one free credit report once a year from a credit bureau and to challenge any incorrect information;</li>\r\n<li>Right to get assistance when over-indebted – A consumer has a right to be assisted when struggling to pay debts.</li>\r\n</ul>\r\n<p>When a need to apply for credit arises, consumers are reminded to only use credit providers registered with the NCR and should never leave their bank cards, SASSA cards, identity documents and bank PIN numbers with credit providers. If consumers fall victim to such a practice, they should approach their local police station to open a case as this is a criminal offence in terms of the NCA. They should also report such cases to the NCR on 0860 627 627 or <a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a>, adds Legodi.</p>\r\n<p>As the NCR continues to raise awareness and educate consumers of their rights and responsibilities, consumers are encouraged to know these rights, use them and be protected, concludes Legodi.</p>\r\n<p align=\"center\"><strong>Ends</strong> </p>\r\n<hr />\r\n<p align=\"center\"><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Ntombizodwa Mahlangu<br /> (011)  554-2612<br /> E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a> <br /> Website: www.ncr.org.za</p>','',1,8,'2020-03-24 14:06:50',915,'','2020-03-24 14:06:50',0,0,'0000-00-00 00:00:00','2020-03-24 14:06:50','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',1,40,'','',1,3992,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(76,214,'Avoid panic buying as it may lead to over-indebtedness','avoid-panic-buying-as-it-may-lead-to-over-indebtedness','<p align=\"right\"><strong>March 2020</strong></p>\r\n<p>Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads. The National Credit Regulator (NCR) is encouraging consumers to exercise caution and restraint when spending in this difficult period, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>Consumers are urged to make responsible financial decisions. Buying under panic and anxiety has the potential for consumers to buy things they do not need and cannot afford. For some consumers to acquire these items, they resort to using credit and this could be detrimental to their overall financial health. It is important for consumers to remember that credit comes at a cost and that the credit acquired has to be repaid, advises Motshegare.</p>\r\n<p>Ms Motshegare further advises consumers who may be feeling financially distressed due to the impact of this pandemic to be proactive in addressing their finances and debt. Consumers are advised not to ignore their debts, but to contact their credit providers. Consumers can approach a debt counsellor for further assistance if over-indebted.</p>\r\n<p>In light of the recent decrease of the interest rate, consumers should not increase their spending but rather use this opportunity to decrease their current debt and save for emergencies, concludes Motshegare.</p>\r\n<p align=\"center\"><strong>ENDS</strong> <br />                                                                                                                            </p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Ntombizodwa Mahlangu<br /> (011) 554-2624 / 064 752 3926<br /> E-mail: <a href=\"mailto:nmahlangu@ncr.org.za\">nmahlangu@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2020-03-24 14:13:36',915,'','2020-03-24 14:13:39',915,0,'0000-00-00 00:00:00','2020-03-24 14:13:36','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"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\":\"\"}',2,39,'','',1,6404,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),