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Tabacks
A recent judgment in the Western Cape High Court deals with the limitation on collection costs that a debtor can be charged in terms of a credit agreement under the National Credit Act.
Cliffe Dekker Hofmeyr
The present economy is challenging due to a multitude of macro and micro economic factors at an international and local level. In an article published by Business Tech on 3 July 2019
Tabacks
What are we to expect from the Amendments to the National Credit Act 34 of 2005, will this negatively impact the banking industry and how will government look to implement the Amendments?
Tabacks
This has now become increasingly apparent but 10 years ago this was not the case.
Dentons
Dentons would like to thank Henwood & Company in Swaziland for this month's contribution to the Africa section of the Dentons South Africa Newsletter.This article provides an overview of the implications...
KPMG, South Africa
A shadow bank is a non-bank entity that provides lending services similar to a traditional bank but does so outside the traditional regulatory environment.
KPMG, South Africa
At the end of September 2013, after months of debate and consultation, Cabinet announced its approval of the "credit information amnesty" proposals.
Garlicke & Bousfield Inc.
Mr A (debtor) and Mr B (creditor) enter into a credit agreement but Mr A defaults on his payments in terms of the agreement and he receives a letter of demand for immediate payment of the full amount outstanding.
Routledge Modise
The National Credit Regulator (NCR) has for some time expressed its concerns regarding the method used by credit providers to assess consumers' ability to afford credit (affordability assessments).
ENSafrica
A recent debt summit in Midrand shows that there is still continued widespread abuse and exploitation of garnishee orders especially in impoverished communities.
ENSafrica
The global financial crisis has brought about a shift in the regulation of credit rating agencies. In a step towards conforming with international efforts to regulate these bodies, South African legislators are seeking to introduce new law in the form of the current Credit Ratings Services Bill (published under Gazette No. 35022 of 7 February 2012) (the "Bill").
Routledge Modise
During 2010 the National Credit Regulator together with various stakeholders in the credit industry, appointed a task team particularly to investigate the debt review process and to consider and formulate proposals to address problems identified in the debt counselling process pursuant to that investigation.
Cliffe Dekker Hofmeyr
Following in the footsteps of the Competition Act, the National Credit Bill is a new piece of legislation that aims to set up a similar regulatory framework and infrastructure to regulate the granting of credit to consumers.
Werksmans Attorneys
The National Credit Bill, which proposes a number of significant and far reaching changes to our consumer credit laws, is expected to become an Act by the end of this year.
Dentons
South Africa's diverse economy, strategic role in Africa and political history create a unique business and regulatory environment.
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