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.
Tag
#NCA
11 articles
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 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.
Credit Assessment 10 min read
Over-Indebtedness Assessment in South Africa | SA Guide
Learn how to assess over-indebtedness under the NCA in South Africa, including the legal definition, required data points, and practical review steps.
Credit Assessment 10 min read
Surplus Income Calculation | Affordability Guide
Step-by-step surplus income calculation for affordability assessments in South Africa. Worked example in Rands for credit providers, brokers, and counsellors.
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.