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.
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.
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.
NCA affordability assessment requirements for SA credit professionals. Sections 81 & 82, income, obligations, compliance risks, and how structured bureau data supports faster, auditable assessments.
How to assess over-indebtedness under the NCA for South African credit professionals. Legal definition (s79), data needs, and practical assessment for lenders and debt counsellors.
Step-by-step surplus income calculation for affordability assessments in South Africa. Worked example in Rands for credit providers, brokers, and counsellors.
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.