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What is the National Credit Regulator (NCR)?
The National Credit Regulator is the regulator for the National Credit Act (NCA), and in short, regulates the South African credit industry.
The NCR is tasked to:
  • Ensure the enforcement of the National Credit Act (NCA).
  • Register industry participants – this includes debt counsellors, creditors, payment distribution agencies and the credit bureaus.
  • Ensure that the debt counsellors, creditors, payment distribution agencies and credit bureaus comply with the National Credit Act (NCA).
  • Investigate complaints against debt counsellors, creditors and credit bureaus.
Debt Counselling / Debt Review and the National Credit Regulator (NCR)
All debt counsellors are required to be registered with the National Credit Regulator (NCR). This ensures that the consumer rights - in terms of the National Credit Act (NCA) - of the individual undergoing Debt Review / Debt Counselling is protected.
These requirements include:
  • Registering with the NCR.
  • Complying with the National Credit Act (NCA).
  • Adhere to a regulated fee structure.
  • Practice an ethical code of conduct.
It is therefore essential that South Africans check whether a debt counsellor is registered with the National Credit Regulator (NCR) - before signing up with their program.
DebtSafe's debt counsellors are indeed registered with the National Credit Regulator (NCR). Our Managing Director's NCR registration number is NCRDC1078.
You can check the registration on the NCR's website here NCR http://www.ncr.org.za/ or call them on 0860 627 627.