Annexure A
    3.4.2
    Annexure A
    p. 22

    Credit Providers

      Credit Providers should implement formal policies on compliance with debt review provisions in the Act as well as any process and/or debt restructuring rules adopted under a section 48 code to combat over-indebtedness.

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Aligns with NCA s 109 (statement of account) and the standardised Certificate of Balance format prescribed in Annexure E Form COB.

    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 3.4.2: Credit Providers. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 22.

    Related clauses

    3
    Annexure A
    Conduct provisions
    3.1
    Annexure A
    The task team
    3.1.1
    Annexure A
    With the parties, identified a number of areas in which
    3.2
    Annexure A
    With a view to improving
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    3.4.3 Credit Providers
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    Based on NCR Guideline 001/2015, p. 22. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.