(1337,135,1,'','2023-01-19 06:48:16',915,7009,'5aafb18a1f746e32c62c731a2e3fb01bd8fe1cbf','{\"id\":135,\"asset_id\":293,\"title\":\"Borrow Wisely. T\\u2019s and C\\u2019s apply!\",\"alias\":\"borrow-wisely-t-s-and-c-s-apply\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2023<\\/strong><\\/p>\\r\\n<p>\\u201cExcessive spending during festive season, places pressure on household disposable income, making the new year not so prosperous. The sad reality is that not everyone is beginning the new season debt free. Some are already in a state of financial distress after acquiring more debt pre- or\\/during the festive season. For them to meet basic necessities they had to borrow money to stay afloat. And if indeed borrowing is the only solution suitable to your personal circumstances, borrow wisely and responsibly!\\u201d said Ms Kweyama, Manager: Education and Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Ms Kweyama added that borrowing wisely and responsibly mean consumers should ensure that they only borrow what they need and can afford to pay back in full, and within the stipulated timeframe. Although the National Credit Act (NCA) dictates that credit providers must conduct an affordability assessment to determine if a consumer qualifies for credit, a responsible and honest consumer must fully and truthfully disclose information on all his\\/ her financial obligations, in particular income and expenditure to enable the credit provider to conduct accurate affordability assessment.<\\/p>\\r\\n<p>She warned, \\u201cUnfortunately in many instances when consumers realise that when they honestly disclose their expenses, they would not be eligible for credit, they tend to understate their expenditure and overstate their income in order to qualify. As a result, they<\\/p>\\r\\n<p>find themselves in huge amounts of debt \\u2013 which they are unlikely to repay at all or repay on time\\u201d.<\\/p>\\r\\n<p>Another popular method of accessing short term credit quickly is pawning valuable items like furniture, jewellery, vehicles, etc. in exchange for cash. The pawnbrokers hold assets as security and in most cases, consumers are given a short-term to repay the loan in full. However, should one default on the repayment, pawnbrokers can sell their assets to recoup the money loaned to them. Before signing on the dotted line, ensure that you understand the terms and conditions of a pawn transaction, because very often the interest rates charged are quite high and most pawnbrokers do not disclose fees like storage, insurance, etc. upfront.<\\/p>\\r\\n<p>Desperation also compels some consumers to seek credit from loan sharks or \\u201cmashonisa\\u201d- despite many warnings about their unlawful practices. Most \\u201cmashonisas\\u201d, like some pawnbrokers, are not registered with the NCR. Their modus operandi include retaining consumers\\u2019 bank cards, pin codes and identity cards to collect on the loans. Remember, it is illegal for a \\u201cmashonisa\\u201d or pawnbroker to retain your personal documents. Report this to the South African Police Services and the NCR.<\\/p>\\r\\n<p>Important considerations before applying for credit:<\\/p>\\r\\n<ul>\\r\\n<li>Take an amount of credit that you need and you can afford to repay;<\\/li>\\r\\n<li>If you can, pay cash rather than take credit;<\\/li>\\r\\n<li>Borrow only from registered credit providers;<\\/li>\\r\\n<li>Understand the terms and conditions of a credit agreement;<\\/li>\\r\\n<li>Never leave your bank\\/SASSA card, pin code, identity document with a credit provider; and<\\/li>\\r\\n<li>If you need a loan, do not pay any upfront<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u201cBorrowing and pawning are expensive and consumers should be careful not to take more than they can afford to pay back as this can often lead to serious financial woes. \\u201cAlways<\\/p>\\r\\n<p>keep in mind that when interest rates are increased by the South African Reserve Bank , this is passed on to consumers by credit providers and increases your monthly instalments\\u201d concludes Kweyama.<\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About<\\/strong> <strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>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 style=\\\"text-align: center;\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Winnie Rabathata 064 752 392 or Didi Sebothoma 0647523910<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> or <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-01-19 06:48:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-19 06:48:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-01-19 06:48:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1340,71,1,'','2023-01-27 11:55:55',915,13684,'ba3d9e976e45165f267e8659b7b5ef85d2e9e380','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<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\\u00a0<\\/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\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<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 | August<\\/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\\u00a0- 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>\\u00a0<\\/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>\\u00a0<\\/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 - 5 Tips | February<\\/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>Consumer Month Campaign - 5 Tips | February<\\/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 \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-27 11:55:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-27 11:55:06\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":101,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12649\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1341,71,1,'','2023-01-27 11:56:58',915,13653,'d323d2e072c3ddf810000c9dfbf620356ed1ce8e','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<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\\u00a0<\\/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\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<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\\u00a0- 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>\\u00a0<\\/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>\\u00a0<\\/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 - 4 Tips<\\/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>Consumer Month Campaign - 4 Tips<\\/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 \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-27 11:56:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-27 11:55:55\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":102,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12650\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1344,39,1,'','2023-02-06 08:38:34',915,1942,'d8c4bdfc7d9dcc13a326591dc41e7b2a2716b1f3','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/Certificate - National Credit Regulator (NCR) BE12429-R1-190123.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-02-06 08:38:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-02-06 08:36:45\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13126\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1345,71,1,'','2023-02-06 15:31:35',915,13624,'b3bd379c257df7dd46680c84a14035245a30d424','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<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\\u00a0<\\/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\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<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\\u00a0- 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>\\u00a0<\\/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>\\u00a0<\\/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\\u00a0<\\/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>\\u00a0<\\/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 \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-02-06 15:31:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-02-06 15:30:55\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":103,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12738\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1359,42,1,'','2023-03-03 13:58:36',915,8419,'ce3b04fbea922c9363468345953a427a5438f1b2','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The 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\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/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>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 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). \\u00a0 <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=\\\"500\\\">\\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\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/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\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 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\\u2018s 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 \\u2013<\\/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\\u00a0<\\/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>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy 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 (\\u201cCV\\u201d) 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.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued 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\\u00a0banking 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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-03-03 13:58:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-03-03 13:56:17\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5082\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1360,42,1,'','2023-03-03 13:58:57',915,8419,'d20692e07561e6d315cebccdbe556e420e6eeffe','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The 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\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/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>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 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). \\u00a0 <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\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/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\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 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\\u2018s 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 \\u2013<\\/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\\u00a0<\\/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>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy 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 (\\u201cCV\\u201d) 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.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued 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\\u00a0banking 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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-03-03 13:58:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-03-03 13:58:36\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5082\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1378,25,1,'','2023-04-21 12:20:06',915,28977,'4ae9ea2a6136d6b25d2162c0fd586ae763808812','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/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;\\\">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 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\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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\\u00a0\\\" 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\\u00a0<\\/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.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ 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>\\u00a0<\\/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>\\u00a0<\\/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:\\u00a0Transfer 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>\\u00a0<\\/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: \\u00a0Proposed 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\\u00a02014<\\/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\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/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\\u00a02014<\\/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\\u00a02014<\\/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>\\u00a0<\\/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> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:20:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:08:34\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":58,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"42843\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1379,25,1,'','2023-04-21 12:23:31',915,28751,'47cd7abd6458054ba3fad5ffa8a2ee9510f353a2','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/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;\\\">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\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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\\u00a0\\\" 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\\u00a0<\\/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.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ 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>\\u00a0<\\/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>\\u00a0<\\/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:\\u00a0Transfer 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>\\u00a0<\\/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: \\u00a0Proposed 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\\u00a02014<\\/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\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/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\\u00a02014<\\/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\\u00a02014<\\/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>\\u00a0<\\/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> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:23:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:21:39\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":59,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"42849\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1380,70,1,'','2023-04-21 12:24:05',915,24053,'f7016036d7824bae95102a5063c72df6d5ca3fe4','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\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\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/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> \\u00a0<\\/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\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/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> \\u00a0<\\/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\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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 \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/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\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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 \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/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> \\u00a0<\\/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\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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> \\u00a0<\\/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\\u2019s 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>\\u00a0<\\/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>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/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\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/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>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/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\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/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 \\u2013 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\\u2019s 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\\u2019t 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\\u2019t 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\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:24:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:23:54\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":86,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26761\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1381,48,1,'','2023-04-21 12:28:39',915,34788,'30aeffbfab2eb465164c78c5c7d7c99b623cf312','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<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 - 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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02015<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02015<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02014<\\/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\\\">\\u00a0<\\/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>\\u00a0<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\\\">\\u00a0<\\/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\\u00a0Quarter | 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\\\">\\u00a0<\\/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\\u00a0Quarter | 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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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.\\u00a0<\\/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\\\">\\u00a0<\\/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 \\u00a0consumer 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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:28:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:25:04\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":59,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"261860\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1382,46,1,'','2023-04-21 12:32:14',915,66477,'1bc4a2a5d1dd0e67f336f76602b14ebee0fe4c92','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/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>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/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>\\u00a0<\\/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;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/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;\\\">\\u00a0<\\/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;\\\">\\u00a0<\\/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;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<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 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 Q4 2022.pdf\\\">The information re\\u001f 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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02015<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | June\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02014<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\" \\/>\\u00a02014 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>\\u00a0<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\\\" \\/>\\u00a02009 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\\\" \\/>\\u00a02008 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>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:32:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:29:59\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":75,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196460\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1383,46,1,'','2023-04-21 12:32:48',915,66477,'78cd2d72b35cc3e8b30c51204935eaf967a3757e','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/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>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/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>\\u00a0<\\/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;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/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;\\\">\\u00a0<\\/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;\\\">\\u00a0<\\/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;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<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 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 - Fourth Quarter | December 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\">The information re\\u001f 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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02015<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | June\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02014<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\" \\/>\\u00a02014 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>\\u00a0<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\\\" \\/>\\u00a02009 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\\\" \\/>\\u00a02008 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>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:32:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:32:14\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":76,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196461\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1384,46,1,'','2023-04-21 12:34:11',915,66477,'4db06d1db75a7fb32805201901dac390661443f7','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/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>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/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>\\u00a0<\\/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;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/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;\\\">\\u00a0<\\/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;\\\">\\u00a0<\\/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;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<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 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\\u001f 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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02015<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02015<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | December\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | September\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | June\\u00a02014<\\/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\\\">\\u00a0<\\/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\\u00a0Quarter | March\\u00a02014<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\">\\u00a0<\\/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\\\" \\/>\\u00a02014 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>\\u00a0<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\\\" \\/>\\u00a02009 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\\\" \\/>\\u00a02008 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>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:32:48\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":77,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196462\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1387,25,1,'','2023-04-24 14:54:48',915,28975,'aedc91da4731febe69a1f3e655eef717ff824649','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/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;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">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\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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\\u00a0\\\" 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\\u00a0<\\/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.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ 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>\\u00a0<\\/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>\\u00a0<\\/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:\\u00a0Transfer 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>\\u00a0<\\/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: \\u00a0Proposed 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\\u00a02014<\\/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\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/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\\u00a02014<\\/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\\u00a02014<\\/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>\\u00a0<\\/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> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-24 14:54:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-24 14:52:46\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":60,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"43282\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1393,42,1,'','2023-05-09 12:48:33',915,8220,'d098e78aae6f49f019152cbd138b3df754e38f4a','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The 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\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/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>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 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). \\u00a0 <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\\\">\\u00a0charlotte.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\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 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\\u2018s 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 \\u2013<\\/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\\u00a0<\\/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>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy 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 (\\u201cCV\\u201d) 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.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued 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\\u00a0banking 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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-05-09 12:48:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-05-09 12:47:33\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5299\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1394,30,1,'','2023-05-09 14:28:49',915,9555,'312456031094f0508598de04aa7b39eb1beb313a','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<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\\u00a0<\\/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\\u00a0<\\/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\\u2019S 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\\u00a0<\\/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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-05-09 14:28:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-05-09 14:26:42\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"22576\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1396,25,1,'','2023-05-18 09:29:19',915,29301,'bf450475dcede8d78d408ad1e00a4fb056c5877b','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/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;\\\">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\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 NCR\\u2019s 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 \\u2013 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 \\u2013 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 \\u2013 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 \\u2013 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\\u00a0\\\" 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\\u00a0<\\/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.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ 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>\\u00a0<\\/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>\\u00a0<\\/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:\\u00a0Transfer 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>\\u00a0<\\/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: \\u00a0Proposed 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\\u00a02014<\\/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\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/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\\u00a02014<\\/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\\u00a02014<\\/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>\\u00a0<\\/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> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-05-18 09:29:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-05-18 09:21:26\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 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00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1401,136,1,'','2023-06-06 15:22:43',915,1950,'541caa4a5831d97fb9a0624c791c78dfad13afca','{\"id\":136,\"asset_id\":\"294\",\"title\":\"article\",\"alias\":\"article\",\"introtext\":\"<p><a href=\\\"documents\\/230525%20article%20no%204%20Registration%20of%20Credit%20providers%20rmcp%20pcc53.pdf\\\">Credit providers: register with the financial intelligence centre<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2023-06-06 15:16:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-06-06 15:22:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-06-06 15:21:46\",\"publish_up\":\"2023-06-06 15:16:16\",\"publish_down\":\"0000-00-00 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