National Credit Regulator report
Official source
Source domain: ncr.org.za
Collected on 28 June 2026
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Guidelines for the submission of complaints relating to disputed customer credit information
This guideline provides detailed instructions on how consumers and other parties can formally submit complaints about incorrect or disputed credit information held by credit bureaus.
- Who it is for
- consumers, credit providers, credit bureaus
- How to act on it
- Download or view the guideline from the NCR website
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Guidelines for the submission of complaints relating to disputed customer credit information
Guideline on how to update codes when DHS goes live
This guideline provides instructions for updating reference codes in systems when the Department of Home Affairs (DHS) digital system becomes operational, ensuring accurate consumer identification in credit processes.
- Who it is for
- credit providers, credit bureaus, IT system administrators
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on how to update codes when DHS goes live
Guidelines for the form and content of statements of account
This guideline sets out the required format and content for credit statements of account, ensuring clarity and consistency for consumers across all credit providers.
- Who it is for
- credit providers, financial institutions
- How to act on it
- Download or view the guideline from the NCR website
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Guidelines for the form and content of statements of account
Guideline for the implementation of Sections 69(2), 70(1), 70(2), and 71(5) of the act, read together with Regulation 19(13), in respect of consumers who are under debt review
This guideline explains how specific sections of the National Credit Act and related regulation must be applied when consumers are undergoing debt review, including notification and record-keeping obligations.
- Who it is for
- debt counsellors, credit providers, credit bureaus
- How to act on it
- Download or view the guideline from the NCR website
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Guideline for the implementation of Sections 69(2), 70(1), 70(2), and 71(5) of the act, read together with Regulation 19(13), in respect of consumers who are under debt review
Guideline on consumers right to receive reasons for being refused credit
This guideline ensures that consumers have the right to receive clear, understandable reasons when their credit applications are denied, supporting transparency and accountability.
- Who it is for
- consumers, credit providers
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on consumers right to receive reasons for being refused credit
Guideline on the filing of Clearance Certificates (Form 19) via the CBA debt counselling platform
This guideline outlines the process for submitting Clearance Certificates (Form 19) through the CBA debt counselling platform, enabling efficient processing of debt review cases.
- Who it is for
- debt counsellors, credit providers, debt review applicants
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on the filing of Clearance Certificates (Form 19) via the CBA debt counselling platform
Guideline on compulsory requirements for Debt Counsellors to update their contact information with the NCR
This guideline details the mandatory steps debt counsellors must take to ensure their contact details are current in the NCR’s system for effective communication and registration purposes.
- Who it is for
- registered debt counsellors
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on compulsory requirements for Debt Counsellors to update their contact information with the NCR
Guideline 2 2024 march fee guideline
This guideline provides additional fee-related information for specific NCR-regulated activities, effective from March 2024.
- Who it is for
- regulated entities, registrants, service providers
- How to act on it
- Download or view the guideline from the NCR website
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Guideline 2 2024 march fee guideline
Guideline: application of regulation 3(1) of the final Credit Life Insurance Regulations, 2017 read with section 106 of the National Credit Act 34
This guideline clarifies how credit life insurance regulations apply in practice, particularly in relation to consumer protection and disclosure obligations under the National Credit Act.
- Who it is for
- credit providers, insurers, debt counsellors
- How to act on it
- Download or view the guideline from the NCR website
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Guideline: application of regulation 3(1) of the final Credit Life Insurance Regulations, 2017 read with section 106 of the National Credit Act 34
Guideline on: Access to credit bureau information in respect of deceased consumers
This guideline explains how authorised persons may access credit bureau information for deceased consumers, ensuring compliance with privacy and legal requirements during estate administration.
- Who it is for
- credit bureaus, executors, estate administrators, legal representatives
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on: Access to credit bureau information in respect of deceased consumers
Guideline on credible evidence for disputed credit bureau information
This guideline sets out what constitutes credible evidence that can be used by consumers or credit providers to challenge inaccurate or disputed information held by credit bureaus.
- Who it is for
- consumers, credit providers, credit bureaus
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on credible evidence for disputed credit bureau information
Guideline 1 2024 march fee guideline
This guideline outlines the fee structure and adjustments for certain services regulated by the NCR, effective as of March 2024.
- Who it is for
- regulated entities, registrants, service providers
- How to act on it
- Download or view the guideline from the NCR website
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Guideline 1 2024 march fee guideline
Guideline on the application of the credit life insurance regulations
This guideline clarifies how credit life insurance regulations should be applied in practice, including disclosure, consent, and claims handling requirements.
- Who it is for
- credit providers, insurers, debt counsellors
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on the application of the credit life insurance regulations
Guideline on credit provider debit order and payroll deduction cancellations when consumers apply for debt counselling
This guideline outlines the procedures credit providers must follow to cancel debit orders and payroll deductions when a consumer applies for debt counselling, protecting consumers from further financial strain.
- Who it is for
- credit providers, debt counsellors
- How to act on it
- Download or view the guideline from the NCR website
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Guideline on credit provider debit order and payroll deduction cancellations when consumers apply for debt counselling
Guidelines for debt counsellors on the submission of forms 41 and 42
This guideline details the correct procedures and requirements for debt counsellors when submitting Forms 41 and 42 to the NCR, ensuring compliance and timely processing.
- Who it is for
- debt counsellors
- How to act on it
- Download or view the guideline from the NCR website
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Guidelines for debt counsellors on the submission of forms 41 and 42
Facts
Reference
https://www.ncr.org.za/index.php/publications/guidelines
Key Takeaways
- organization: National Credit Regulator (NCR)
- section: Publications > Guidelines
- titles: Guideline on: Access to credit bureau information in respect of deceased consumers
- titles: Guideline on how to update codes when DHS goes live
- titles: Guideline: application of regulation 3(1) of the final Credit Life Insurance Regulations, 2017 read with section 106 of the National Credit Act 34
- titles: Guideline on the filing of (incomplete text)