(620,45,1,'','2020-10-01 15:14:36',915,7390,'9457305c05c7d6ef83dca3d8ef72732988fb48c9','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:14:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:12:24\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(621,45,1,'','2020-10-01 15:19:35',915,8482,'0deccef22755fed46298431f4adf987780aff773','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:19:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:14:36\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(622,45,1,'','2020-10-01 15:26:03',915,9566,'a2eeccf2d177f139528ef922ff6aff824feeb5db','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:26:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:19:35\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(623,101,1,'','2020-10-01 15:28:19',915,1806,'02a53f03717c144b9dbdc58c822c3c9d9347cf6e','{\"id\":101,\"asset_id\":241,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2020-10-01 15:28:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:28:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-01 15:28:19\",\"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),(624,101,1,'','2020-10-01 15:29:06',915,2894,'68f9d938b2cb07616d7434b64fb5711fd698cdd2','{\"id\":101,\"asset_id\":\"241\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-rcb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2020-10-01 15:28:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:29:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:28:50\",\"publish_up\":\"2020-10-01 15:28:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(625,52,1,'','2020-10-01 15:34:51',915,2509,'29a2601a427c3e823234244a393088cace16f477','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:34:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:31:20\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(626,52,1,'','2020-10-01 15:35:40',915,2486,'74666fe56224f88b79d39efff076e7fb547b7853','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:35:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:34:51\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"37\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(627,52,1,'','2020-10-01 15:36:33',915,2493,'4f9869833b889ccffa88dcf31d66145ef4ed6e32','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:36:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:35:40\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(628,45,1,'','2020-10-01 15:38:16',915,9566,'fbaf0f109906e2a4f5a0bfa3041bbbcf68831f62','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:38:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:38:02\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":23,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(629,45,1,'','2020-10-02 07:50:10',915,9523,'4a5bc46a7398f2a534ea2b27acde4dfc35d58298','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 07:50:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 07:48:47\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(630,45,1,'','2020-10-02 07:51:09',915,9707,'7351f6b3e5324a4877c4657582ecaefca2487274','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<li>An overview of the company\\u2019s strategy and processes around data, including data sources, loading and storage of data, processes with data suppliers and data sources.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 07:51:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 07:50:10\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"62\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(631,10,5,'','2020-10-02 08:19:27',915,606,'2b9271d3d9dbe14b6abac0c8219547ef3b56447f','{\"id\":10,\"asset_id\":\"89\",\"parent_id\":\"1\",\"lft\":\"15\",\"rgt\":\"16\",\"level\":\"1\",\"path\":\"compliance\",\"extension\":\"com_content\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:19:19\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:14:31\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 08:19:27\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(632,39,5,'','2020-10-02 08:20:03',915,587,'8adee5bf7db099a5400afa296859b7b7505ae717','{\"id\":39,\"asset_id\":242,\"parent_id\":\"1\",\"lft\":\"73\",\"rgt\":74,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"credit-bureau-compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-10-02 08:20:03\",\"modified_user_id\":null,\"modified_time\":\"2020-10-02 08:20:03\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(633,62,1,'','2020-10-02 08:20:17',915,3793,'9accc69620a8ca4af3184822f561dbbbca9aa93b','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Credit Bureau Compliance<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"39\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:20:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:20:07\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(634,7,1,'','2020-10-02 08:33:57',915,5923,'32a32a9b1ccfc8482709d6eaffcbf7eb6257ad2a','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:33:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:22:07\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"139\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(635,7,1,'','2020-10-02 08:42:14',915,6063,'19054b1fe0be370070754abf48c52723f076204f','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a>\\r\\n<ul>\\r\\n<li><a href=\\\"#\\\">Language Policy<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a>\\r\\n<ul>\\r\\n<li><a href=\\\"#\\\">Language Policy<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:42:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:33:57\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"140\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(636,49,1,'','2020-10-02 11:04:31',915,2923,'2a87fd2db21339b88afeb14ac016992612bf03b8','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:04:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:01:58\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"75\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(637,49,1,'','2020-10-02 11:06:42',915,2923,'d92b178b07bdadee75ff2865f155f6952b8c4d52','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:06:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:04:31\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(638,49,1,'','2020-10-02 11:07:43',915,2919,'64a5080f0e264462efdcccbc585721eb778e1a3e','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:07:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:06:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"78\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(639,50,1,'','2020-10-02 11:20:01',915,2760,'2048be789a16f987d042e41370ca7a9f86a560f6','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/REGISTRANT INFORMATION UPDATE FORM DC (2).docx\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:20:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:17:32\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"45\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(640,54,1,'','2020-10-02 11:26:05',915,2712,'c84f101fb71ca19333f404c7bf24db14d1545645','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form CB.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:26:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:24:11\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"39\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(641,54,1,'','2020-10-02 11:27:16',915,2722,'793ba6077ef859d57f854ee1d03deec1015f9fb0','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Registrant Info Update Form CB.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:27:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:26:05\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(642,25,5,'','2020-10-02 11:30:14',915,610,'ed6d3ddbbc7851307e46313f8558d359ab5089ad','{\"id\":25,\"asset_id\":\"149\",\"parent_id\":\"13\",\"lft\":\"24\",\"rgt\":\"25\",\"level\":\"2\",\"path\":\"registrations\\/pda\",\"extension\":\"com_content\",\"title\":\"Payment Distribution Agents\",\"alias\":\"pda\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:30:09\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:01:22\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 11:30:14\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(643,53,1,'','2020-10-02 11:33:03',915,3112,'f39047c4332d2bc56e30a3b7789bb455ddfb9ce6','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Annexure Confirmation of payment of fees - PDA.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Annexure confirmation of payment of fees \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Registrant Info Update Form PDA.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Information update form \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:33:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:30:29\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(644,24,5,'','2020-10-02 11:38:47',915,620,'d0f95945012212f9de6c9b6ade52721ff2cab289','{\"id\":24,\"asset_id\":\"147\",\"parent_id\":\"13\",\"lft\":\"22\",\"rgt\":\"23\",\"level\":\"2\",\"path\":\"registrations\\/adr\",\"extension\":\"com_content\",\"title\":\"Alternative Dispute Resolution Agents\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:38:38\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 11:38:47\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(645,40,1,'','2020-10-02 11:39:36',915,9765,'d2f186b7d0681d6773278cf793c87857768fe6a6','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:39:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:39:14\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(646,40,1,'','2020-10-02 11:39:47',915,9765,'4014c1d5f47b072ce09b6950d88753959b66411f','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an Alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:39:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:39:41\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(647,51,1,'','2020-10-02 11:45:54',915,2630,'c32ec9087e09970fa5ab8521326ea715a90ccc52','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adrAdditional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:45:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:42:17\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(648,51,1,'','2020-10-02 11:46:41',915,2632,'7d6d84c925680ce4a81f895c041605f33d5fe7ec','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:46:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:45:54\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(649,7,1,'','2020-10-05 08:38:19',915,5981,'944170210667d73bcab15a4cdbfbd5f85a297469','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Language Policy Review\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-05 08:38:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-05 08:35:40\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"146\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(650,7,1,'','2020-10-06 09:06:41',915,5998,'a880ce7accf9b5680852ac8124a55ecdd630bcc7','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Language Policy Review\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/1st year review language policy.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-06 09:06:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-06 09:05:13\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"149\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(656,102,1,'','2020-10-09 07:56:04',915,4661,'73ef9e62871f77ab5108ae5a90e79684ee374b31','{\"id\":102,\"asset_id\":244,\"title\":\"Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-release-consumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>Date: 13 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR). The Webinar will take place on Thursday, 17 September 2020 at 14:00.<\\/p>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>She adds that the dialogue will amongst others; explain consumer rights and complaints processes, responsible credit lending, borrowing and spending, price hikes, amendments of the Competition Act and collusive conduct; including the process to report inflated prices.<\\/p>\\r\\n<p>\\u201cThe importance of educating consumers about their rights during the COVID-19 pandemic is critical, as some of the businesses may see an opening to exploit consumers and for unfair competition and practices to thrive amongst others. We want to educate consumers about responsible borrowing and spending, create awareness about the responsible lending by credit providers, update them on the cases under investigation for unfair business trading and create awareness on the steps and processes to follow in reporting price colluding,\\u201d says Gina.<\\/p>\\r\\n<p>Importantly, Gina says the dialogue will afford the panelists an opportunity to share with the audience the various support services, programmes, processes and recourses available to consumers and businesses during the COVID-19 pandemic, and further impress upon the need to keep a healthy credit life during these times.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Please click the link below to join the webinar:<br \\/> <a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti<br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 07:56:04\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 07:56:04\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 07:56:04\",\"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),(657,103,1,'','2020-10-09 08:00:18',915,3784,'a4e9f3eb4a13c2408549668ebc5242e4d0111cc5','{\"id\":103,\"asset_id\":245,\"title\":\"Media advisory cosumer rights webinar -  Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-advisory-cosumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>DATE: 16 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR).<\\/p>\\r\\n<p><strong>Members of the media are invited to the webinar as follows:<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Date:<\\/td>\\r\\n<td>Thursday, 17 September 2020<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Time:<\\/td>\\r\\n<td>14H00<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Venue:<\\/td>\\r\\n<td>GCIS Video link:<a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti <br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:00:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:00:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:00:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(658,104,1,'','2020-10-09 08:01:30',915,8076,'2e0277029f8b16c4f67d4be5de61ff507bcd795b','{\"id\":104,\"asset_id\":246,\"title\":\"Covid-19 impact on credit extension\",\"alias\":\"covid-19-impact-on-credit-extension\",\"introtext\":\"<p style=\\\"text-align: right;\\\"><strong>October 2020<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from March 2020 to June 2020. The total value of new credit granted decreased by 56.72% quarter-on-quarter from R126.35 billion to R54.68 billion. The number of credit agreements entered into decreased by 47.73% quarter-on-quarter from 3.93 million to 2.05 million.<\\/p>\\r\\n<p>The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2020:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R25.95 billion (66.65%) quarter-on-quarter and by R27.20 billion (67.69%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R18.57 billion (47.51%) quarter-on-quarter, and by R20.69 billion (50.22%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R9.71billion (50.53%) quarter-on-quarter and by R11.60 billion (54.97%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R15.10 billion (59.64%) quarter-on-quarter and by R18.42 billion (64.32%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2020 was R1.96 trillion, representing a decrease of 0.94% quarter-on-quarter and an increase of 3.09% year-on-year. The trends for outstanding balances for the quarter ended June 2020 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book decreased by R4.26 billion (0.43%) for the quarter ended June 2020 and increased by R25.90 billion (2.70%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book decreased by R4.51 billion (1.01%) for the quarter ended June 2020 and increased by R7.63 billion (1.75%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book decreased by R6.96 billion (2.64%) for the quarter ended June 2020 and increased by R7.42 billion (2.97%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.97 billion (1.33%) for the quarter ended June 2020 and increased by R15.24 billion (7.41%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.96 million credit-active consumers, which showed a decrease of 3.69% when compared to the 27.99 million in the previous quarter. Consumers classified in good standing decreased by 559,318 to 16.96 million consumers. This amounts to 62.90% of the total number of credit-active consumers, a decrease of 3.19% quarter-on-quarter and 3.65% year-on-year. The number of credit active accounts decreased from 85.99 million to 85.23 million in the quarter ended June 2020. The number of impaired accounts has increased from 19.88 million (23.12%) to 20.66 million (24.24%) in June 2020, an increase of 779,707 quarter-on-quarter and 506,836 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers decreased from 240,688 to 217,743. A total of 199,977 (91.84%) credit reports were issued free of charge, and the balance of 17,766 (8.16%) were issued at a cost. There were 29,017 disputes lodged on information held on consumer credit records for the quarter ended June 2020, a decrease of 26.67% quarter-on-quarter and 21.66% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR advises consumers battling to keep up with their payments to contact their credit providers first to negotiate for lower instalments or some kind of relief to assist them with their debts. If this fails, consumers are further advised to approach registered debt counsellors for assistance. Motshegare further advised that consumers who have credit life insurance should make a claim against their credit life insurance. Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers can contact the NCR on 0860 627 627 \\/ www.ncr.org.za for additional information.<\\/p>\\r\\n<p><strong>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2020 and June 2020 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2019 and June 2020 quarters.<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p>About The National Credit Regulator<br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Media Office:\\u00a0<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;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">064 752 3926<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:01:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:01:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:01:30\",\"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),(660,105,1,'','2020-10-09 08:13:21',915,1756,'0266be80fcd0f0e4cc2a79491e0c815cde782619','{\"id\":105,\"asset_id\":247,\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:13:21\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:13:21\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(661,105,1,'','2020-10-09 08:14:03',915,1851,'27945c638867ecc9a9b821b3d67eca243cb06b5b','{\"id\":105,\"asset_id\":\"247\",\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:14:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 08:13:21\",\"publish_up\":\"2020-10-09 08:13:21\",\"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\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(662,105,1,'','2020-10-09 08:15:24',915,1851,'8e5ceefec55cb1cdd4728f84d36c48b70073b43d','{\"id\":105,\"asset_id\":\"247\",\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:15:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 08:15:19\",\"publish_up\":\"2020-10-09 08:13:21\",\"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\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(665,15,5,'','2020-10-09 11:31:58',915,644,'3130657e549efb8bb36409ecc3356b02f047dd27','{\"id\":15,\"asset_id\":\"100\",\"parent_id\":\"1\",\"lft\":\"37\",\"rgt\":\"38\",\"level\":\"1\",\"path\":\"education-and-communications\",\"extension\":\"com_content\",\"title\":\"Education and Communication\",\"alias\":\"education-and-communications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 11:31:54\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:29:30\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-09 11:31:58\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(673,77,1,'','2020-10-12 13:34:11',915,3339,'9f32d9de69186e1bd3939fd402ce176a841f8f11','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>\\u00a0<\\/h5>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:32:13\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);

INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1152,25,1,'','2022-04-08 15:04:58',915,28459,'b599878dae0ef2b55e4054471d614abbf8ed7d20','{\"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 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;\\\">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\":\"2022-04-08 15:04:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-04-08 15:01:46\",\"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\":54,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17567\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1212,128,1,'','2022-07-01 14:42:22',915,15687,'ae1b8890247eabdbb3e88adb603c6151d2e05bef','{\"id\":128,\"asset_id\":285,\"title\":\"Keep your credit bureau record clean regardless of the rising cost of living\",\"alias\":\"keep-your-credit-bureau-record-clean-regardless-of-the-rising-cost-of-living\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2022<\\/strong><\\/p>\\r\\n<p>Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full in order to maintain a good credit bureau record. The youth are also encouraged to regularly check their credit bureau reports. Checking credit bureau reports enables consumers to spot any incorrect information and\\/or fraudulent transactions, thus providing them with an opportunity to remedy the situation. Ms. Poppy Kweyama, Manager: Education and Communication Department at the NCR, said knowing what is contained in one\\u2019s credit report gives consumers an opportunity to improve their credit reports.<\\/p>\\r\\n<p>All consumer credit information held by credit bureaus must be accurate. Incorrect credit information can adversely affect a consumer\\u2019s chances of acquiring credit or a job where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. \\u201cHence, it is very important to dispute incorrect information before it affects you adversely,\\u201d she advised.<\\/p>\\r\\n<p>In terms of the National Credit Act, every consumer has a right to challenge the accuracy of their information held by the credit bureaus free of charge. If a consumer has challenged the accuracy of the information, credit bureaus must take reasonable steps to seek evidence in support of the challenged information.\\u00a0 Credit bureaus have 20 business days to do that. \\u201cShould the credit provider and\\/or service provider fail to prove the listing within the 20 business days, then the credit bureau must remove the disputed information from the consumer\\u2019s credit profile\\u201d, said Ms. Kweyama. <br \\/> It is very important for consumers to know that inaccurate credit information will stay on the consumer\\u2019s credit profile, until rectified or until its retention period finishes. A retention period relates to the length of time that a credit bureau can retain consumer\\u2019s information on their credit report. However, consumers should not waste time disputing accurate credit information, knowing very well that they skipped payments or short paid the account.<\\/p>\\r\\n<p>Consumers are entitled to one free credit report once a year as per the National Credit Act, advised Ms. Kweyama. The National Credit Regulator would like to see more consumers requesting their credit reports from credit bureaus because currently the numbers of those requesting their credit reports are low. According to the Credit Bureau Monitor from the NCR, as at the end of December 2021, credit bureaus held records of 26, 38 million credit active consumers. Out of this total, only 648\\u00a0280 credit reports were issued. From this total, 35\\u00a0919 consumers lodged disputes in respect of the accuracy of information held by the credit bureaus. More disputes were resolved in favour of the complainants.<\\/p>\\r\\n<p>In order to clarify a lingering perception out there, credit bureaus do not decide whether or not to extend credit to consumers. \\u00a0Credit bureaus are organisations that specialise in creating consumer credit profiles based on information received from a person who supplies goods, services or utilities to consumers, whether for cash or on credit, an organ of state, court, judicial officer and a person providing long term or short term insurance. They keep valuable information about consumers\\u2019 recent and past accounts, payment history, defaults, judgments, trace alerts, collections and enquiries. \\u00a0<\\/p>\\r\\n<p>Often consumers ask how long their information will be reflected at the credit bureaus. It is important to note that in terms of the National Credit Act, there are different retention periods for consumer credit information held by the credit bureaus. Below is a table on the different retention periods:\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<table border=\\\"1\\\" width=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"127\\\">\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"383\\\">\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"198\\\">\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Details and results of complaints<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Number and nature of complaints lodged and whether a complaint was rejected; no information will be displayed on complaints that were upheld<br \\/> Note: WinCredit does not display this information<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity\\/person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Factual information pertaining to the payment profile of the consumer<br \\/> Note: WinCredit does not display this information<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Adverse classification of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Classification related to enforcement action taken by a credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>1 year or within the prescribed period in section 71A<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Adverse classification of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Subjective classification of consumer behaviour<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>1 year or within the prescribed period in section 71A<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Debt restructuring<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per section 86 of the Act, an order given by the court or tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Civil court judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Civil court judgments including default judgments<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>The earlier of 5 years or until the judgment is rescinded by a court or abandoned by the credit provider in terms of section 86 of Magistrates\\u2019 Court Act 32 of 1944 or within the period prescribed in section 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Maintenance judgments in terms of the Maintenance Act<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Until the judgment is rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Sequestration<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years or until rehabilitation order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Administration order<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years or until order is rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Liquidation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>\\u2013<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Removed - delete<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Other information<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>\\u2013<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Removed - delete<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In conclusion, Ms. Kweyama advised the youth about the importance of maintaining a good \\/ healthy credit report as this shows credit \\/ service providers that you are making payments as per your credit agreements, depicting you as trustworthy for prospective credit\\/ service providers and employers.<\\/p>\\r\\n<p><strong>Below are c<\\/strong><strong>redit bureau and other important contact details:<\\/strong><\\/p>\\r\\n<table border=\\\"1\\\" width=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\"><br \\/> <strong>Experian<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>(011)\\u00a0799-3400\\/ 0861\\u00a0105 665<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0861 886 466<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0860 937 000<br \\/> (011) 645-9100<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>Consumer Profile Bureau \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>(010)\\u00a0590-9505\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" valign=\\\"top\\\" width=\\\"690\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0861 662 837<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>National Credit Regulator<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p>www.ncr.org.za<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p>info@ncr.org.za<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong> \\u00a0\\u00a0\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-07-01 14:42:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-01 14:42:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-07-01 14:42:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1214,48,1,'','2022-07-01 15:30:55',915,32153,'abc268b91388dd9c2ff59935e6066079f88d7539','{\"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 2021<\\/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\":\"2022-07-01 15:30:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-01 15:28:35\",\"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\":50,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"162744\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1215,48,1,'','2022-07-01 15:33:49',915,32149,'7813fbe10d914915829061d969f4d37b3b559c6a','{\"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 - 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\":\"2022-07-01 15:33:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-01 15:32:29\",\"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\":52,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"162746\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1224,24,1,'','2022-07-08 11:55:24',915,37918,'593e45a5df452f9fe14cc0d7b71d38691b62314f','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<p>Information consent and indemnity form - Black Industrialist and Exporters Awards the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws. download<\\/p>\\r\\n<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:55:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:52:32\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":77,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47102\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1225,24,1,'','2022-07-08 11:55:44',915,37628,'73b728d1a34d2c8c6fe4147a7d9c4abdb2c7aea5','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:55:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:55:24\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":78,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47103\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1226,24,1,'','2022-07-08 11:58:16',915,38566,'23e85aff0a2165f13a6b89edf8820b840041ac8b','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:58:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:55:44\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":79,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1227,24,1,'','2022-07-08 11:58:56',915,38572,'66cabdbd7efa30b9a245f5110e50c5d4e58309b2','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:58:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:58:16\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":80,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1228,24,1,'','2022-07-08 12:00:25',915,39729,'1fb0c207c7d55723e11d2050ef8c3212d9d7c3d9','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:00:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:58:56\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":81,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47108\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),