Annexure A
    2.3.1
    Annexure A
    p. 16

    DC should conduct an assessment in accordance

      The DC should conduct an assessment in accordance with the Affordability Assessment Guidelines to determine if the consumer is over-indebted and to determine the amount available to repay debt.

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Cross-reference: the assessment methodology is set in Annexure B (sections 4 to 6) and is the same methodology Finwise calculates against during proposal generation.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure A — Debt Review Process & Conduct Provisions, clause 2.3.1: DC should conduct an assessment in accordance. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 16.

    Related clauses

    2
    Annexure A
    Improved debt review process rules
    2.1
    Annexure A
    Form 17
    2.2
    Annexure A
    Credit Provider Information Stage
    2.2.1
    Annexure A
    Within 5 business days of receiving Form
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    2.3 Affordability Assessment
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    2.3.2 If no COB
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    Based on NCR Guideline 001/2015, p. 16. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.