Annexure B
    7.3.7
    Annexure B
    p. 44

    Gambling

      Gambling.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Recurring gambling spend on bank statements is treated under the addictive-behaviour protocol in paragraph 11. The debt counsellor refers the consumer to the National Responsible Gambling Programme as part of the file record.

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

    Cite this clause

    National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 7.3.7: Gambling. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 44.

    Related clauses

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    Annexure B
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    Debt Counsellors could ask the following questions
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    Annexure B
    Groceries (food, toiletries, cleaning materials) - groceries
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    Based on NCR Guideline 001/2015, p. 44. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.