• National Credit Act, 2005 (Act No. 34 of 2005)
  • Notice No. 230 of 2006
  • Act
  • Chapter 1 : Interpretation, Purpose and Application of Act
    • Part A : Interpretation
      • 1. Definitions
      • 2. Interpretation
    • Part B : Purpose and Application
      • 3. Purpose of Act
      • 4. Application of Act
      • 5. Limited application of Act to incidental credit agreements
      • 6. Limited application of Act when consumer is juristic person
      • 7. Threshold determination and industry tiers
    • Part C : Classification and categories of credit agreements
      • 8. Credit agreements
      • 9. Categories of credit agreements
      • 10. Developmental credit agreements
      • 11. Public interest credit agreements
  • Chapter 2 : Consumer Credit Institutions
    • Part A : National Credit Regulator
      • 12. Establishment of National Credit Regulator
      • 13. Development of accessible credit market
      • 14. Registration functions of National Credit Regulator
      • 15. Enforcement functions of National Credit Regulator
      • 15A. Other functions of National Credit Regulator
      • 16. Research and public information
      • 17. Relations with other regulatory authorities
      • 18. Reporting requirements of National Credit Regulator
      • 19. [Repealed] Governance of National Credit Regulator
      • 20. [Repealed] Qualifications for Board membership
      • 21. [Repealed] Conflicting interests of members of Board
      • 22. [Repealed] Resignation, removal from office and vacancies
      • 23. Appointment of Chief Executive Officer
      • 24. Conflicting interests
      • 25. Appointment of inspectors and investigators
    • Part B : National Consumer Tribunal
      • 26. Establishment and constitution of Tribunal
      • 27. Functions of Tribunal
      • 28. Qualifications of members of Tribunal
      • 29. Term of office of members of Tribunal
      • 30. Deputy Chairperson of Tribunal
      • 31. Tribunal proceedings
      • 32. Conflicts and disclosure of interest
      • 33. Acting by member of Tribunal after expiry of term of office
      • 34. Remuneration and benefits
    • Part C : Administrative Matters
      • 35. Finances
      • 36. Reviews and reports to Minister
    • Part D : National and provincial co-operation
      • 37. Co-operative exercise of concurrent jurisdiction
      • 38. Information sharing
  • Chapter 3 : Consumer Credit Industry Regulation
    • Part A : Registration requirements, criteria and procedures
      • 39. Limited application of this Part
      • 40. Registration of credit providers
      • 41. Supplementary registration to provide developmental credit
      • 42. Thresholds applicable to credit providers
      • 43. Registration of credit bureaux
      • 44. Registration of debt counsellors
      • 44A. Registration of payment distribution agents
      • 45. Application for registration
      • 46. Disqualification of natural persons
      • 47. Disqualification of juristic persons and associations
      • 48. Conditions of registration
      • 48A. Code of Conduct
      • 49. Variation of conditions of registration
      • 50. Authority and standard conditions of registration
      • 51. Application, registration and renewal fees
      • 52. Certificate, validity and public notice of registration
      • 53. National record of registrations
    • Part B : Compliance procedures and cancellation of registration
      • 54. Restricted activities by unregistered persons
      • 55. Compliance notices
      • 56. Objection to notices
      • 57. Cancellation of registration
      • 58. Voluntary cancellation of registration
      • 58A. Additional requirements for cancellation
      • 59. Review or appeal of decisions
  • Chapter 4 : Consumer Credit Policy
    • Part A : Consumer Rights
      • 60. Right to apply for credit
      • 61. Protection against discrimination in respect of credit
      • 62. Right to reasons for credit being refused
      • 63. Right to information in official language
      • 64. Right to information in plain and understandable language
      • 65. Right to receive documents
      • 66. Protection of consumer credit rights
    • Part B : Confidentiality, personal information and consumer credit records
      • 67. Conflicting legislation
      • 68. Right to confidential treatment
      • 69. National register of credit agreements
      • 69A. National record of debt intervention
      • 70. Credit bureau information
      • 71. Removal of record of debt adjustment or judgment
      • 71A. Automatic removal of adverse consumer credit information
      • 72. Right to access and challenge credit records and information
      • 73. Verification, review and removal of consumer credit information
    • Part C : Credit marketing practices
      • 74. Negative option marketing and opting out requirements
      • 75. Marketing and sales of credit at home or work
      • 76. Advertising practices
      • 77. Required marketing information
    • Part D : Over-indebtedness and reckless credit
      • 78. Application and interpretation of this Part
      • 79. Over-indebtedness
      • 80. Reckless credit
      • 81. Prevention of reckless credit
      • 82. Assessment mechanisms and procedures
      • 82A. Report and investigation of reckless credit agreement
      • 83. Declaration of reckless credit agreement
      • 84. Effect of suspension of credit agreement
      • 85. Court may declare and relieve over-indebtedness
      • 86. Application for debt review
      • 86A. Application for debt intervention
      • 87. Magistrate’s Court or Tribunal may re-arrange consumer's obligations
      • 87A. Other orders related to debt intervention
      • 88. Effect of debt review or re-arrangement order or agreement
      • 88A. Effect of debt intervention
      • 88B. Application for rehabilitation
  • Chapter 5 : Consumer Credit Agreements
    • Part A : Unlawful agreements and provisions
      • 89. Unlawful credit agreements
      • 90. Unlawful provisions of credit agreement
      • 91. Prohibition of unlawful provisions in credit ...
    • Part B : Disclosure, form and effect of credit agreements
      • 92. Pre-agreement disclosure
      • 93. Form of credit agreements
      • 94. Liability for lost or stolen cards or other identification devices
      • 95. Changes, deferrals and waivers
      • 96. Address for notice
      • 97. Consumer must disclose location of goods
      • 98. Agreement attaches to substituted goods
      • 99. Obligations of pawn brokers
    • Part C : Consumer’s liability, interest, charges and fees
      • 100. Prohibited charges
      • 101. Cost of credit
      • 102. Fees or charges
      • 103. Interest
      • 104. Changes to interest, credit fees or charges
      • 105. Maximum rates of interest, fees and charges
      • 106. Credit insurance
    • Part D : Statements of account
      • 107. Limited application of this Part
      • 108. Statement of account
      • 109. Form and content of statement of account
      • 110. Statement of amount owing and related matters
      • 111. Disputed entries in accounts
      • 112. Dating and adjustment of debits and credits in accounts
      • 113. Statement of settlement amount
      • 114. Tribunal may order statement to be provided
      • 115. Disputes concerning statements
    • Part E : Alteration of credit agreement
      • 116. Alteration of original or amended agreement document
      • 117. Changes by agreement
      • 118. Reductions to credit limit under credit facility
      • 119. Increases in credit limit under credit facility
      • 120. Unilateral changes by credit provider
    • Part F : Rescission and termination of credit agreements
      • 121. Consumer's right to rescind credit agreement
      • 122. When consumer may terminate agreement
      • 123. Termination of agreement by credit provider
  • Chapter 6 : Collection, Repayment, Surrender and Debt Enforcement
    • Part A : Collection and repayment practices
      • 124. Charges to other accounts
      • 125. Consumer's or guarantor's right to settle agreement
      • 126. Early payments and crediting of payments
      • 126A. Restrictions on certain practices relating to ...
      • 126B. Application of prescription on debt 
    • Part B : Surrender of goods
      • 127. Surrender of goods
      • 128. Compensation for consumer
    • Part C : Debt enforcement by repossession or judgment
      • 129. Required procedures before debt enforcement
      • 130. Debt procedures in a Court
      • 131. Repossession of goods
      • 132. Compensation for credit provider
      • 133. Prohibited collection and enforcement practices
  • Chapter 7 : Dispute Settlement other than debt enforcement
    • Part A : Alternative dispute resolution
      • 134. Alternative dispute resolution
      • 134A. Registration and accreditation of alternative ...
      • 134B. Deregistration of alternative dispute resolution agents
      • 135. Dispute resolution may result in consent order
    • Part B : Initiating complaints or applications
      • 136. Initiating a complaint to National Credit Regulator
      • 137. Initiating applications to Tribunal
      • 138. Consent orders
    • Part C : Informal resolution or investigation of complaints
      • 139. Investigation by National Credit Regulator
      • 140. Outcome of complaint
      • 141. Referral to Tribunal
      • 141A. Extended application of this Part
    • Part D : Tribunal consideration of complaints, applications and referrals
      • 142. Hearings before Tribunal
      • 143. Right to participate in hearing
      • 144. Powers of member presiding at hearing
      • 145. Rules of procedure
      • 146. Witnesses
      • 147. Costs
      • 148. Appeals and reviews
    • Part E : Tribunal orders
      • 149. Interim relief
      • 150. Orders of Tribunal
      • 151. Administrative fines
      • 152. Status and enforcement of orders
  • Chapter 8 : Enforcement of Act
    • Part A : Searches
      • 153. Authority to enter and search under warrant
      • 154. Powers to enter and search
      • 155. Conduct of entry and search
    • Part B : Offences
      • 156. Breach of confidence
      • 157. Hindering administration of Act
      • 157A. Offences related to debt intervention
      • 157B. Offences related to credit agreements generally
      • 157C. Offences related to registration
      • 157D. Offence by non-natural person
      • 158. Failure to attend when summoned
      • 159. Failure to answer fully or truthfully
      • 160. Offences relating to regulator and Tribunal
      • 161. Penalties
      • 162. Magistrate's Court jurisdiction to impose penalties
    • Part C : Miscellaneous matters
      • 163. Agents
      • 164. Civil actions and jurisdiction
      • 165. Variation of order
      • 166. Limitations of bringing action
      • 167. Standard of proof
      • 168. Serving documents
      • 169. Proof of facts
      • 170. Credit provider to keep records
  • Chapter 9 : General Provisions
    • 171. Regulations
    • 172. Conflicting legislation, consequential amendments, repeal of laws and transitio
    • 173. Short title and commencement
  • Schedules
    • Schedule 1 : Rules concerning conflicting legislation
    • Schedule 2 : Amendment of laws
    • Schedule 3 : Transitional provisions
• Regulations
  • National Credit Regulations, 2006
    • Notice No. R. 489 of 2006
    • Chapter 1 : Interpretation and Application of Act
      • 1. Definitions
      • 2. Application of Act
      • 3. Extension of prescribed time periods
    • Chapter 2 : Registration Requirements, Criteria and Procedures
      • Part A : Registration requirements for all registrants
        • 4. Application for registration
        • 5. Disqualification of natural persons from registration
        • 6. Conditions of registration
        • 7. Review of conditions of registration
        • 8. Certificate of registration
      • Part B : Cancellation of registration
        • 9. Voluntary cancellation of registration
      • Part C : Debt Counsellor
        • 10. Further criteria for registration as a debt counsellor
        • 10A. Payment distribution agent
        • 10B. Alternative disputes resolution agent
        • 11. Receiving of funds by a debt counsellor
      • Part D : Compliance procedures
        • 12. Appointment of inspectors and investigators
        • 13. Notice to unregistered persons who are conducting registered activities
        • 14. Compliance notice to registrants
        • 15. Objection to notices
        • 16. Administrative fines
    • Chapter 3 : Consumer Credit Policy
      • Part A : Credit Information
        • 17. Retention periods for credit bureau information
        • 18. Maintenance and retention of consumer credit information by credit bureaux
        • 19. Submission of consumer credit information to credit bureau
      • Part B : Consumer rights
        • 20. Right to access and challenge credit records and information
      • Part C : Credit marketing practices
        • 21. Required content for advertising practices
        • 22. Required format for advertising practices
      • Part D : Over-indebtedness, reckless lending and debt counselling
        • 23. Reckless lending
        • 23A. Criteria to conduct affordability assessment application
        • 24. Application for debt review
        • 25. Letter of rejection
        • 26. Debt restructuring by court order
        • 27. Clearance Certificate
    • Chapter 4 : Consumer Credit Agreements
      • Part A : Pre-agreement disclosure
        • 28. Pre-agreement statement and quotation for small agreements
        • 29. Pre-agreement statement and quotation for intermediate or large agreements
      • Part B : Form of credit agreements
        • 30. Prescribed form for small agreements
        • 31. Requirements for intermediate or large agreements
        • 32. Unlawful provisions of a credit agreement
        • 33. Credit Insurance
        • 34. Disclosure of location of goods
        • 35. Statement of account
        • 36. Changes to interest
        • 37. Consumer's right to rescind a credit agreement
        • 38. Charges to other accounts
    • Chapter 5 : Interest and Fees
      • Part A : Interpretation
        • 39. Definitions
      • Part B : General Stipulations
        • 40. Interest calculation
        • 41. Dates upon which fees become due and payable
      • Part C : Interest applicable to different products
        • 42. Maximum prescribed interest and initiation fees
        • 43. Supplementary conditions on the application of the maximum initiation fee
        • 44. Maximum service fee
        • 45. Periodic review of limitations on fees and interest rata
      • Part D : Other fees, costs and charges
        • 46. Default Administration Charges
        • 47. Collection Costs
        • 48. Other Charges
    • Chapter 5 : Requirements and standards for training for registrants
    • Chapter 6 : Dispute Resolution
      • 49. Failed alternative dispute resolution
      • 50. Initiating a complaint to the National Credit Regulator
      • 51. Initiating applications to Tribunal
      • 52. Notice of non-referral
      • 53. Application for referral to a different consumer court or the Tribunal
      • 54. Referral to the Tribunal
    • Chapter 6 : Non-compliance in terms of these Regulations
    • Chapter 7 : Record Keeping and Registers
      • Part A : Record-keeping
        • 55. Records of registered activities to be retained by registrants
        • 56. Time for keeping records of credit applications and agreements by credit provide
      • Part B : Registers
        • 57. National record of registration
        • 58. Register of marketing options
        • 59. Register of Agents
        • 60. Other Registers to be kept by Registrants
        • 61. Identity card of agents
    • Chapter 8 : Compliance and Reporting
      • Part A : Registered credit providers’ compliance reports
        • 62. Statutory Reporting
        • 63. Compliance Report
        • 64. Statistical Return
        • 65. Annual Financial Statements
        • 66. Annual Financial and Operational Return
        • 67. Responsibility for Assurance Engagement
        • 68. Assurance Engagement
      • Part B : Debt counsellor compliance reports
        • 69. Annual compliance report and statistical return by debt counsellor
      • Part C : Credit bureau compliance reports
        • 70. Annual compliance report by credit bureau
        • 71. Quarterly synoptic report by credit bureau
      • Part D : Insurers’ Periodic Synoptic Report
        • 72. Submission of periodic synoptic report by insurer
    • Chapter 9 : Transitional Provisions
      • 73. General preservation of regulations, rights, duties, notices and other instructions
    • Chapter 10 : Prescribed Forms
      • 74. Forms
      • 75. Use of Forms
      • 76. Electronic submission of Forms
    • Schedules
      • Schedule 1 : Prescribed forms
        • NCR Form 1
        • NCR Form 2
          • NCR Form 2 (Page 1)
          • NCR Form 2 (Page 2)
          • NCR Form 2 (Page 3)
          • NCR Form 2 (Page 4)
          • NCR Form 2 (Page 5)
          • NCR Form 2 (Page 6)
          • NCR Form 2 (Page 7)
        • NCR Form 3
          • NCR Form 3 (Page 1)
          • NCR Form 3 (Page 2)
          • NCR Form 3 (Page 3)
        • NCR Form 4 
          • NCR Form 4 (Page 1) 
          • NCR Form 4 (Page 2) 
          • NCR Form 4 (Page 3) 
          • NCR Form 4 (Page 4) 
          • NCR Form 4 (Page 5) 
        • NCR Form 5
          • NCR Form 5 (Page 1)
          • NCR Form 5 (Page 2)
          • NCR Form 5 (Page 3)
          • NCR Form 5 (Page 4)
          • NCR Form 5 (Page 5)
          • NCR Form 5 (Page 6)
          • NCR Form 5 (Page 7)
        • NCR Form 6
        • NCR Form 7
        • NCR Form 8
        • NCR Form 9
        • NCR Form 10
        • NCR Form 11
        • NCR Form 12
        • NCR Form 13
        • NCR Form 14
          • NCR Form 14 (Page 1)
          • NCR Form 14 (Page 2)
        • NCR Form 15
        • NCR Form 16
          • NCR Form 16 (Page 1)
          • NCR Form 16 (Page 2)
          • NCR Form 16 (Page 3)
        • NCR Form 17.1
        • NCR Form 17.2
        • NCR Form 18
        • NCR Form 19
        • NCR Form 20
        • NCR Form 20.1
          • NCR Form 20.1 (Page 1)
          • NCR Form 20.1 (Page 2)
        • NCR Form 20.2 
          • NCR Form 20.2 (Page 1) 
          • NCR Form 20.2 (Page 2) 
        • NCR Form 21
        • NCR Form 22
        • NCR Form 23
        • NCR Form 24
        • NCR Form 25
        • NCR Form 26
        • NCR Form 27
        • NCR Form 28
        • NCR Form 29
        • NCR Form 30
        • NCR Form 31
        • NCR Form 32
        • NCR Form 33
        • NCR Form 34
        • NCR Form 34.1
        • NCR Form 35
        • NCR Form 36
        • NCR Form 37
        • NCR Form 38
        • NCR Form 39
          • NCR Form 39 (Page 1)
          • NCR Form 39 (Page 2)
          • NCR Form 39 (Page 3)
          • NCR Form 39 (Page 4)
          • NCR Form 39 (Page 5)
          • NCR Form 39 (Page 6)
          • NCR Form 39 (Page 7)
          • NCR Form 39 (Page 8)
          • NCR Form 39 (Page 9)
          • NCR Form 39 (Page 10)
          • NCR Form 39 (Page 11)
          • NCR Form 39 (Page 12)
          • NCR Form 39 (Page 13)
          • NCR Form 39 (Page 14)
        • NCR Form 40
          • NCR Form 40 (Page 1)
          • NCR Form 40 (Page 2)
          • NCR Form 40 (Page 3)
          • NCR Form 40 (Page 4)
        • NCR Form 41 
        • NCR Form 42 
          • NCR Form 42 (Page 1)
          • NCR Form 42 (Page 2)
          • NCR Form 42 (Page 3)
          • NCR Form 42 (Page 4)
          • NCR Form 42 (Page 5)
        • NCR Form 43
          • NCR Form 43 (Page 1)
          • NCR Form 43 (Page 2)
          • NCR Form 43 (Page 3)
          • NCR Form 43 (Page 4)
          • NCR Form 43 (Page 5)
          • NCR Form 43 (Page 6)
        • NCR Form 44
          • NCR Form 44 (Page 1)
          • NCR Form 44 (Page 2)
          • NCR Form 44 (Page 3)
        • NCR Form 45
        • NCR Form 46
        • NCR Form 47
      • Schedule 2 : Prescribed Fees
        • Prescribed Fees
        • Payment Distribution Fees
        • Alternative Dispute Resolution Fees
      • Annexure A : Forms
        • Declaration of Consumer's Necessary Expense Questionnaire
        • National Credit Regulator
  • Free Credit Records Regulations, 2006
    • Notice No. R.949 of 2006
    • Time-Frame and Schedule prescribed in terms of section 73(1)(b)
    • 1. Definitions
    • 2. Application fee prescribed in terms of section 51(1)(a)
    • 3. Initial registration fee prescribed in terms of section 51(1)(b)
    • 4. Annual registration renewal fee prescribed in terms of section 51(1)(c)
  • Consumer Credit Information Regulations, 2006
    • Notice No. R.1209 of 2006
    • Schedules
      • Schedule 1
      • Schedule 2
  • Debt Counselling Regulations, 2012
    • Notice No. R. 362 of 2012
    • 1. Definitions
    • 2. Application by a debt counsellor for orders contemplated in section 86(7)(c) of the Act
    • 3. Application by a debt counsellor for confirmation of a consent order contemplated in section 86(8)(a), read with section 138 of the Act
    • 4. Application by a consumer in terms of sections 86(9) and 86(7)(c) of the Act
    • 5. Short title and commencement
  • Removal of Adverse Consumer Credit Information and Information Relating to Paid Up Judgements
    • Notice No. R. 144 of 2014
    • 1. Definitions
    • 2. Requirements, processes and timeframes for Credit Bureaus
    • 3. Submission and utilisation of adverse consumer credit information by Credit Providers
    • 4. Reporting and Monitoring
    • 5. Consumer duties and obligations
    • 6. Information and Complaints
    • 7. Non-adherence
    • 8. Title and effective date
• Notices
  • Determination of Thresholds
    • Notice 713 of 2006
  • Determination of a Threshold for Credit Provider Registration
    • Notice No. 513 of 2016
  • Guideline for the Submission of Credit Information in terms of Regulation 19(13) of the National Credit Act, 34 of 2005, as amended
    • Notice No. 873 of 2017
    • 1. Definitions pursuant to Regulation 19(13)
    • 2. Reporting of credit information by credit providers
    • 3. The form and manner of reporting credit information
    • 4. Timeframes for reporting credit information
    • 5. Guideline 4(1) to 4(5)
    • 6. Effective date
    • Annexure
      • Annexure A : Data Format prescribed by the National Credit Regulator
• Rules
  • Regulations for matters relating to the functions of the Tribunal and Rules for the conduct of matters before the National Consumer Tribunal, 2007
    • Notice No. 789 of 2007
    • Part A : Interpretation and definitions
      • 1. Definitions
    • Part B : Access to and Functions of the Tribunal
      • 2. Office hours and address of the Tribunal
      • 3. Powers of the Tribunal
    • Part C : Applications
      • 4. Proceedings before the Tribunal
      • 4A. Representative or class proceedings
      • 5. Fees
      • 6. Notification of parties and service of application documents
      • 7. Filing an application
      • 8. Incomplete applications
      • 9. Deemed applications
      • 10. Applications in respect of matters not provided for in the rules
      • 11. lnterventions by notice
      • 12. lnterventions by application
      • 13. Opposing an application or referral
      • 14. Reply by Applicant
      • 15. Amendment of documents
      • 16. Joinder or substitution of parties
      • 16A. Consolidation of matters
    • Part D : Hearings
      • 17. Pre-hearing procedures
      • 17A. Summoning of witnesses
      • 17B. Expert witnesses
      • 18. Set downs and postponements
      • 19. Withdrawal of matters
      • 20. Consent orders
      • 21. Hearings
      • 22. Settlement conference
      • 23. Record of hearing
      • 24. Non-appearance
      • 24A. Variation or rescission of Tribunal orders
      • 25. Orders and awards of the Tribunal
      • 26. Appeals
      • 27. Decisions of the Appeal panel
      • 28. Rules relating to court orders and court notices
      • 29. Certificate of prohibited or required conduct
    • Part E : General Rules
      • 30. Service and proof of service of documents
      • 31. Delivery of documents
      • 32. Confidential information
      • 33. Representation of parties
      • 34. Condonation of late filing and non-compliance with rules
      • 35. Payments and remittances
      • 36. Access to Tribunal records
      • 37. Powers of the Chairperson to deviate from certain rules
      • 38. Forms
      • 39. Short title
    • Schedule 1
      • Prescribed forms in the conduct of matters before the National Consumer Tribunal and Tables 1 and 2
        • Part 1 : Applications that may be made directly to the Tribunal
          • Form TI.55(6)
          • Form TI.57(1)
          • Form TI.59(1)
          • Form TI.63(5)
          • Form TI.71(3)
          • Form TI.99(2)
          • Form TI.114(1)
          • Form TI.115(1)
          • Form TI.128(1)
          • Form TI.138(1)
          • Form TI.142(3)(f)
          • Form TI.148(1)
          • Form TI.165
          • Form TI.164(3)(b)
          • Form TI.60(3) & 101 CPA
          • Form TI.80(5) CPA
          • Form TI.100(6) CPA
          • Form TI.102(3)(b) CPA
        • Part 2 : Matters originating as complaints 
          • Form TI.73(2)(b) CPA
          • Form TI.73(3) & 75(1)(b) & (2) CPA
        • Part 3 : Disputes between consumers and credit  providers referred to the Tribunal upon failure of ADR
          • Form TI.137(3) 
        • Part 4 : Interim relief in respect of a complaint referral
          • Form TI.149(1)
        • Part 5 : Procedural matters
          • Form TI.r4
          • Form TI.R4A CPA
          • Form TI.r11
          • Form TI.r12
          • Form TI.r15
          • Form TI.144
          • Form TI.r25(2)
          • Form TI.r30A
          • Form TI.r30
          • Form TI.r34
          • Form TI.r35
        • Part 6 : Appeals and variation orders
          • Form TI.148(1)
          • Form TI.165
        • Part 7 : Distribution orders
          • Form TI.127(6)
        • Part 8 : Notice issued by the Tribunal in terms of Section 164(3)(b)
          • Form TI.164(3)
      • Tables
        • Table 1A
        • Table 1B
        • Table 2
          • Part 1A : Applications directly to the Tribunal
          • Part 1B : Applications directly to the Tribunal in terms of the CPA
          • Part 2A : Complaint referrals (matters originating as complaints to the Regulator)
          • Part 2B : Complaint referrals (matters originating as complaints to the Commission) in terms of the CPA
          • Part 3 : Disputes between consumers and credit providers referred after failure of ADR
          • Part 4A : Interim relief in respect of a complaint referral
          • Part 4B : Interim relief in respect of a complaint referral in terms of the CPA
          • Part 5 : Procedural matters
          • Part 6 : Appeals and variation orders
          • Part 7 : Distribution order in respect of remittances
        • Table 3 : Oaths and affirmations
• Proclamations
  • Commencement of the National Credit Amendment Act, 2014 (Act No. 19 of 2014)
    • Notice No. R.10 of 2015