Annexure A
    3
    Annexure A
    p. 21

    Conduct provisions

    This clause is a parent heading. Its detail is set out across the 5 sub-clauses below:

    3.1
    The task team
    3.2
    With a view to improving
    3.3
    Suggested conduct of debt counselors
    3.4
    Suggested conduct by Credit Providers
    3.5
    Suggested conduct by payment distribution

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Section 3 sets the conduct expectations for the three parties that touch every file: the debt counsellor, the credit provider and the Payment Distribution Agent. Each party has separate, enforceable obligations under NCA s 86 and Regulation 24.

    Legal context

    Statutory basis: National Credit Act s 86 read with the National Credit Regulations and the NCR Code of Conduct for Debt Counsellors (2011).

    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: Conduct provisions. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 21.

    Related clauses

    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
    3.2.1
    Annexure A
    Upon the effectiveness and credibility of the debt counseling
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    2.5.6 The Credit Provider
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    3.1 The task team
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    Based on NCR Guideline 001/2015, p. 21. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.