20 articles
Why South African credit professionals should pull from multiple credit bureaux. Understand data gaps, compliance benefits, and how multi-bureau analysis improves decisions.
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.
A comprehensive guide to NCA compliance for credit providers, debt counsellors, and credit brokers in South Africa. Understand your obligations and how to meet them.
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.
NCA affordability assessment requirements for SA credit professionals. Sections 81 & 82, income, obligations, compliance risks, and how structured bureau data supports faster, auditable assessments.
All-in-one debt counselling software for South African firms. Analyse credit reports from Experian and Datanamix, ensure NCR compliance, and make better decisions.
Guide to debt counsellor caseload management in South Africa. Scale your practice with centralised data, standardised workflows, and NCR-ready records.
A step-by-step guide to the debt review process under the NCA for licensed debt counsellors in South Africa. From intake to consent order, documentation requirements, and building a repeatable workflow.
A professional guide to Form 17.2 and the debt counselling documentation chain in South Africa. Learn what the proposal must contain, how it fits with Form 16, 17.1, and 17.3, and how to strengthen your documentation workflow.
A practical guide for NCR-registered micro-lenders on automating credit assessment workflows: bureau data structuring, affordability calculations, audit trails, and NCA compliance.
Micro-lender regulatory requirements in South Africa. NCR registration, NCA affordability, interest and fee caps, reckless lending, and practical compliance.
Practical credit assessment templates and checklists for South African credit professionals. Bureau review, affordability, verification, and compliance.