South Africa: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

Draft Amendments To The Affordability Assessment Regulations Under The National Credit Act

On 13 August 2025, the Department of Trade, Industry and Competition published the draft National Credit Act Amendment Regulations in the Government Gazette, proposing amendments to various Regulations under the National Credit Act 34 of 2005 (NCA), including Regulations 18,19 and 23A.

South Africa Consumer

WW

Webber Wentzel

Enhancing Consumer Identity Protections: New Amendments To The National Credit Act

The Minister of Trade, Industry and Competition, Mr Mpho Parks Tau, has announced his intention to amend the regulations under the National Credit Act, 2005 (Act No. 34 of 2005).

South Africa Finance

E

ENS

How To Ensure The Lawful Cancellation Of Credit Transactions

The Free State Division of the High Court recently handed down judgment in the case of Mbombi and Another v BMW Financial Services SA (Pty) Ltd...

South Africa Litigation

E

ENS

What Is NCR Credit Registration, And Why Is It Important In South Africa?

The National Credit Regulator (NCR) was established under Section 12 of the National Credit Act, Act 34 of 2005 (NCA) to oversee the South African credit industry.

South Africa Consumer

BI

Barnard Inc.

Beware Of Instant Credit!

South Africa Consumer

SI

SchoemanLaw Inc.

When Does The National Credit Act Apply To A Transaction?

South Africa Consumer

BA

Bentley Attorneys

NCA Section 129(1)(a) Notice – A Practical Perspective On The Interpretative Challenge

South Africa Consumer

BA

Bentley Attorneys

Credit Agreements And Collection Costs: Claiming Legal Fees

South Africa Consumer

Tf

Tabacks

How Instalment Sale Agreements Could Provide A Creative Finance Solution For Deals Banks Turn Away

South Africa Finance

CD

Cliffe Dekker Hofmeyr

Will The Signing Of The National Credit Amendment Bill Into Law Be Somewhat Muted?

South Africa Consumer

Tf

Tabacks

South Africa's Current Financial Regulatory Framework: Can We Bank On It?

South Africa Finance

Tf

Tabacks

South Africa Newsletter - November Edition

Worldwide Strategy

D

Dentons

Implications Of The Consumer Credit Act No. 7 Of 2016 In Swaziland

South Africa Consumer

D

Dentons

The Place For Shadow Banking In The Economy

South Africa Finance

KS

KPMG, South Africa

Tax Focus: August/September 2025

South Africa Tax

SG

SNG Grant Thornton

Taking Off The Shine: Uganda's Education Body Demotes Top Degrees From Kenya And United Kingdom

Worldwide Consumer

E

ENS

The Importance Of DFI Funding To Support Sustainable Agriculture: A Banking Perspective

South Africa Finance

E

ENS

Are On-the-road Fees Permissible As Charges In Credit Agreements?

South Africa Finance

E

ENS

AI In Legal Practice: Opportunities And Risks For Linguistic Inclusion

South Africa Technology

E

ENS

Credit Information Amnesty

At the end of September 2013, after months of debate and consultation, Cabinet announced its approval of the "credit information amnesty" proposals.

South Africa Finance

KS

KPMG, South Africa

What Owning Up To Debt Means

Mr A (debtor) and Mr B (creditor) enter into a credit agreement but Mr A defaults on his payments in terms of the agreement and he receives a letter of demand for immediate payment of the full amount outstanding.

South Africa Consumer

GB

Garlicke & Bousfield Inc.

Codes Of Conduct May Increase Costs

The National Credit Regulator (NCR) has for some time expressed its concerns regarding the method used by credit providers to assess consumers' ability to afford credit (affordability assessments).

South Africa Consumer

RM

Routledge Modise

Garnishee Orders: Continued Abuse And Exploitation

A recent debt summit in Midrand shows that there is still continued widespread abuse and exploitation of garnishee orders especially in impoverished communities.

South Africa Employment

E

ENS

Developments In The Role And Regulation Of Credit Rating Agencies

South Africa Finance

E

ENS

Reviewing The Debt Review Process

South Africa Consumer

RM

Routledge Modise

Cliffe Dekker Reviews the Implications of the National Credit Bill for Grantors of Credit

South Africa Finance

CD

Cliffe Dekker Hofmeyr

The National Credit Bill

South Africa Consumer

WA

Werksmans Attorneys

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