11 articles
Learn what audit trail requirements apply to credit assessments in South Africa under the NCA. Understand what regulators expect and how to maintain compliance.
Understand the Credit Bureau Association Code of Conduct and what it means for credit professionals who access and use bureau data in South Africa.
POPIA consent requirements for credit checks in South Africa. What valid consent means, what forms must contain, duration, and record-keeping obligations.
Understand NCA record-keeping requirements for credit providers and debt counsellors in South Africa. Learn what records to keep, for how long, and how to stay compliant.
Guide to NCA Section 81 affordability assessment obligations for South African credit providers. Required steps, documentation standards, and compliance gaps.
Understand NCR registration requirements for debt counsellors and credit providers in South Africa. A practical guide to the application process and ongoing obligations.
Practical NCR audit checklist for South African debt counsellors. Covers registration, case files, trust accounts, POPIA, and the most common audit findings.
A practical guide to POPIA compliance when handling credit bureau data in South Africa. Understand your obligations as a responsible party or operator.
Understand reckless lending provisions under South Africa's National Credit Act. Learn what credit providers must do to avoid reckless credit and meet NCA obligations.
Understand prescribed debt in South Africa: the 3-year rule, Prescription Act, NCA Section 126B, bureau reporting, and what it means for credit professionals.