Credit Bureau Reports 12 min read
Multi-Bureau Credit Pulls in South Africa | Why It Matters
See why pulling multiple bureau reports improves risk visibility in South Africa, reduces blind spots, and supports more reliable lending decisions.
Tag
#compliance
20 articles
Compliance 19 min read
Audit Trail Requirements for SA Credit Assessments
Learn what audit trail requirements apply to credit assessments in South Africa under the NCA. Understand what regulators expect and how to maintain compliance.
Compliance 23 min read
CBA Code of Conduct for Credit Data Users | SA Guide
Understand the Credit Bureau Association Code of Conduct and what it means for credit professionals who access and use bureau data in South Africa.
Compliance 13 min read
POPIA Consent for Credit Checks | Requirements Guide
POPIA consent requirements for credit checks in South Africa. What valid consent means, what forms must contain, duration, and record-keeping obligations.
Compliance 17 min read
National Credit Act Compliance Guide | South Africa
Practical NCA compliance guide for South African credit providers, brokers, and debt counsellors covering obligations, controls, and record standards.
Compliance 19 min read
Record-Keeping Requirements Under the National Credit Act
Understand NCA record-keeping requirements for South African credit providers and debt counsellors, including what to retain, for how long, and why.
Compliance 12 min read
NCA Section 81 Affordability Requirements | Practical Guide
Guide to NCA Section 81 affordability assessment obligations for South African credit providers. Required steps, documentation standards, and compliance gaps.
Compliance 11 min read
NCR Audit Checklist for Debt Counsellors | Be Audit-Ready
Practical NCR audit checklist for South African debt counsellors. Covers registration, case files, trust accounts, POPIA, and the most common audit findings.
Compliance 13 min read
NCR Registration Requirements in South Africa | Guide
Learn NCR registration requirements for debt counsellors and credit providers in South Africa, from application steps to ongoing compliance obligations.
Compliance 24 min read
POPIA Compliance for Credit Data | South Africa Guide
A practical guide to POPIA compliance when handling credit bureau data in South Africa. Understand your obligations as a responsible party or operator.
Compliance 12 min read
Prescribed Debt in South Africa | Professional Guide
Understand prescribed debt in South Africa: the 3-year rule, Prescription Act, NCA Section 126B, bureau reporting, and what it means for credit professionals.
Compliance 17 min read
Reckless Lending Under the NCA | SA Compliance Guide
Understand reckless lending rules under South Africa's NCA and what credit providers must do during affordability checks to avoid compliance breaches.
Credit Assessment 16 min read
Affordability Assessment in South Africa | NCA Guide
Understand NCA affordability assessment requirements in South Africa, including Sections 81 and 82, required inputs, and controls for audit-ready decisions.
Debt Counselling 8 min read
Debt Counselling Software in South Africa | SA Guide
All-in-one debt counselling software for South African firms to analyse bureau reports, maintain NCR-compliant records, and improve decision consistency.
Debt Counselling 11 min read
Debt Counsellor Caseload Management | Scale Your Practice
Guide to debt counsellor caseload management in South Africa. Scale your practice with centralised data, standardised workflows, and NCR-ready records.
Debt Counselling 11 min read
Debt Review Process in South Africa | Step-by-Step Guide
Follow the debt review process under the NCA from intake to consent order, with key documentation requirements for South African debt counsellors.
Debt Counselling 12 min read
Form 17.2 for Debt Counselling in South Africa | Guide
Professional guide to Form 17.2 in South African debt counselling, including required proposal content and links to Form 16, 17.1, and 17.3.
Credit Providers 9 min read
Automating Credit Assessments for Micro-Lenders in SA
Practical guide for NCR-registered micro-lenders automating credit assessments with structured bureau data, affordability logic, and compliance controls.
Credit Providers 9 min read
Micro-Lender Regulatory Requirements | South Africa
Micro-lender regulatory requirements in South Africa. NCR registration, NCA affordability, interest and fee caps, reckless lending, and practical compliance.
Workflow 11 min read
Credit Assessment Templates and Checklists | South Africa
Practical credit assessment templates and checklists for South African credit professionals. Bureau review, affordability, verification, and compliance.