<p> </p>
<!--<p style="font-weight: bold;">December 2016</p>
<p><a href="documents/Circulars/1388AD NCR CIRCULAR 25 OF 2016.pdf">Circular No. 25/December 2016 - The cost of credit for short-term loans as a result of the MFSA High Court decision</a></p>-->
<p style="font-weight: bold;">Frebruary 2019</p>
<p><a href="documents/Circulars/NCR Circular 12 - February 2019.pdf">Circular 12 of 2019 - Re-seller Credit Bureau Circular on Additional Form 43 Requirements</a></p>
<p style="font-weight: bold;">November 2018</p>
<p><a href="documents/Circulars/NCR CIRCULAR 11 OF 2018.pdf">Circular 11 of 2018 - Fraud or Unethical Behaviour</a></p>
<p style="font-weight: bold;">October 2018</p>
<p><a href="documents/Circulars/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf">Circular 06 of 2018 - Request for written comments - reckless lending fee category</a></p>
<p style="font-weight: bold;">September 2018</p>
<p><a href="documents/Circulars/NCR Circular 05 September 2018.pdf">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline</a></p>
<p style="font-weight: bold;">August 2018</p>
<p><a href="documents/Circulars/NCR Circular 04 of August 2018.pdf">Circular 04 of August 2018 - Suspension Indicator on Debt Help System</a></p>
<p style="font-weight: bold;">April 2018</p>
<p><a href="documents/Circulars/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf">Circular 3 of 2018 - NCR New Enhanced Debt Help System</a></p>
<p style="font-weight: bold;">February 2018</p>
<p><a href="documents/Circulars/Circular New Debt Counsellor Fees 1.pdf">Circular no 01 of 2018 -new debt counsellor fees</a></p>
<p style="font-weight: bold;">September 2017</p>
<p><a href="documents/Circulars/NCR CIRCULAR 14 OF 2017.pdf">Circular no 14 of 2017 – consumer transfer notice of the lapsed and voluntary de-registered debt counsellors</a></p>
<p style="font-weight: bold;">August 2017</p>
<p><a href="documents/Circulars/Circular 12 of 2017- Proposed DC fee structure.pdf">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure</a></p>
<p style="font-weight: bold;">August 2017</p>
<p><a href="documents/Circulars/DHS Automated transfers circular .pdf">Circular 11 of 2017 - dhs new functionalities</a></p>
<p style="font-weight: bold;">August 2017</p>
<p><a href="documents/Circulars/NCR CIRCULAR 9 OF 2017.pdf">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348</a></p>
<p><a href="documents/Circulars/Updated Lapsed Report.xlsx">Updated Lapsed Report</a></p>
<p style="font-weight: bold;">April 2017</p>
<p><a href="documents/Circulars/CIRCULAR 8  CONTACT DETAILS.pdf">Circular 8 of 2017 – NCR contact details</a></p>
<p style="font-weight: bold;">March 2017</p>
<p><a href="documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf">Circular 7 of 2017 - debt counselling call centres</a></p>
<p style="font-weight: bold;">March 2017</p>
<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>
<p style="font-weight: bold;">March 2017</p>
<p><a href="documents/Circulars/Circular No5 .pdf">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></p>
<p style="font-weight: bold;">March 2017</p>
<p><a href="documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf">Circular 4 of 2017 – NCR’s banking details have not changed</a></p>
<p style="font-weight: bold;">February 2017</p>
<p><a href="documents/Circulars/Circular 03 of 2017- DC fees review.pdf">Circular 3 of 2017 – review of debt counselling fees</a></p>
<p style="font-weight: bold;">February 2017</p>
<p><a href="documents/Circulars/Annual Renewal of Registrations.pdf">Circular 2 of 2017 – annual renewal of registration</a></p>
<p style="font-weight: bold;">January 2017</p>
<p><a href="documents/Circulars/Circular 1 of 2017-DCRS.pdf">Circular 1 of 2017 – debt counselling rules system</a></p>
<p style="font-weight: bold;">November 2016</p>
<p><a href="documents/Circulars/1349AD NCR CIRCULAR 24 OF 2016.pdf">Circular No. 24/November 2016 replaces Circular No. 2/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines – Guidelines No. 003/2009 and 001/2014.</a></p>
<p style="font-weight: bold;">October 2016</p>
<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>
<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>
<p style="font-weight: bold;">September 2016</p>
<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>
<p><a href="documents/Circulars/September_2016/Circular No19 Employed Debt Counsellors.pdf">Circular 19 of 2016: Employed Debt Counsellors</a></p>
<p><strong>July 2016</strong></p>
<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>
<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>
<p><strong style="line-height: 15.8079996109009px;">June 2016</strong></p>
<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>
<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>
<p>C<a title="Circular No. 8 of 2016 : The review of limitations on fees and interest
rates 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>
<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>
<p><strong style="line-height: 15.8079996109009px;">May 2016</strong></p>
<p><a title="Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus " href="documents/Circulars/1060AD NCR Circular 9 Rev 2 (2).pdf" target="_blank" rel="noopener noreferrer">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus </a></p>
<p><strong style="line-height: 15.8079996109009px;">March 2016</strong></p>
<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>
<p><strong style="line-height: 15.8079996109009px;">February 2016</strong></p>
<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>
<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>
<p><a title="Circular No. 2/ February 2016" href="documents/Circulars/152AD NCR Circular2 297x210 Rev2.pdf" target="_blank" rel="noopener noreferrer">Circular No. 2/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003/2009</a></p>
<p><strong style="line-height: 15.8079996109009px;">January 2016</strong></p>
<p><a title="Circular No. 3 of 2016: Annual Renewal of Registration" href="documents/Circulars/154AD NCR Circular 3 of 2016 .pdf" target="_blank" rel="noopener noreferrer">Circular No. 3 of 2016: Annual Renewal of Registration</a> </p>
<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>
<p><strong style="line-height: 15.8079996109009px;">November 2015</strong></p>
<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>
<p><strong style="line-height: 15.8079996109009px;">September 2015</strong></p>
<ul>
<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>
<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>
<li><a href="documents/pages/circulars/Sep15/DC_Information_Update_Form.pdf" target="_blank" rel="noopener noreferrer">Debt Counsellor information update form</a></li>
</ul>
<p><strong style="line-height: 15.8079996109009px;">August 2015</strong></p>
<ul>
<li><a href="documents/pages/circulars/Aug2015/Return Of Funds - Circular 13-2015.pdf" target="_blank" rel="noopener noreferrer">Circular No 13 of 2015: Return of unallocated funds from Credit Providers' suspense accounts</a> </li>
</ul>
<p><strong style="line-height: 15.8079996109009px;">July 2015</strong></p>
<ul>
<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>
</ul>
<p><strong style="line-height: 15.8079996109009px;">February 2015</strong></p>
<ul>
<li><a href="documents/pages/circulars/feb2015/Transfer%20Notice.pdf" target="_blank" rel="noopener noreferrer">Circular No 07 of 2015: Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36</a></li>
<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>
<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>
<li><a href="documents/pages/circulars/feb2015/Withdrawal from debt review guidelines.pdf" target="_blank" rel="noopener noreferrer">Circular No 002 of 2015: Withdrawal Guidelines</a> </li>
</ul>
<p><strong style="line-height: 15.8079996109009px;">January 2015</strong></p>
<ul>
<li><a href="documents/pages/circulars/jan2015/Circ 04-Jan15 - Proposed process for end balance differences.pdf" target="_blank" rel="noopener noreferrer">Circular No 04 of 2015:  Proposed Process for End Balance Differences</a></li>
<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>
<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>
<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>
</ul>
<p><strong style="line-height: 15.8079996109009px;">December 2014</strong></p>
<ul>
<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>
<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>
<li><a href="documents/pages/circulars/dec2014/Circular 15 - DCRS.PDF">Circular No 15 of 2014: Debt Counselling Rules System</a></li>
<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>
</ul>
<p><strong style="line-height: 15.8079996109009px;">November 2014</strong></p>
<ul>
<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>
</ul>
<p><strong style="line-height: 15.8079996109009px;">October 2014</strong></p>
<ul>
<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>
</ul>
<p><strong>September 2014</strong></p>
<ul>
<li><strong><a href="documents/pages/circulars/sep2014/Circular Lapse of Reg.pdf" target="_blank" rel="noopener noreferrer">Circular No.11 of 2014 : Lapse Of Registration</a></strong></li>
</ul>
<p><strong>June 2014</strong></p>
<ul>
<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>
</ul>
<p><strong>May 2014</strong></p>
<ul>
<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>
<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>
<li><a href="documents/pages/circulars/may2014/Final Monitoring Tool.pdf" target="_blank" rel="noopener noreferrer">Final Monitoring Tool</a></li>
</ul>
<p><strong>April 2014</strong></p>
<ul>
<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>
<li><a href="documents/pages/circulars/april2014/MONITORING_TOOL_2014.pdf" target="_blank" rel="noopener noreferrer">Monitoring Tool</a></li>
</ul>
<p style="font-size: 12.16px; line-height: 15.808px;"><strong>March 2014</strong></p>
<ul>
<li><a href="documents/Circulars/FAQ.pdf" target="_blank" rel="noopener noreferrer">FAQ</a></li>
</ul>
<p><strong>February 2014</strong></p>
<ul>
<li><a href="documents/pages/circulars/feb2014/Feb2014-Updates Credit Forum .pdf" target="_blank" rel="noopener noreferrer">Updates credit forum</a></li>
</ul>
<p><strong>January 2014</strong></p>
<ul>
<li><a href="documents/pages/circulars/jan2014/Registration Renewal Fees Circular.pdf" target="_blank" rel="noopener noreferrer">Registration Renewal Fees Circular</a></li>
</ul>
<p><strong>November 2013</strong></p>
<ul>
<li><a href="documents/pages/circulars/nov2013/No12-Nov-Finsense.pdf" target="_blank" rel="noopener noreferrer">Finsense</a></li>
</ul>
<p><strong>April 2013</strong> </p>
<ul>
<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>
<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>
</ul>