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MicroFinance South Africa

Credit Matters

These industry bodies focus on ensuring that the credit industry operates in a responsible and transparent manner, protecting the interests of consumers and promoting financial stability in the country. 

The National Credit Act (NCA) is the primary legislation governing the credit industry in South Africa. 

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National Credit Regulator (NCR)

The NCR is responsible for enforcing the National Credit Act, which regulates the credit industry and aims to promote responsible lending practices.


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Financial Sector Conduct Authority (FSCA)

The FSCA was established to be the dedicated market conduct regulator in South Africa's Twin Peaks regulatory model implemented via the Financial Sector Regulation Act. Their mandate includes all financial institutions that provide a financial product and/or a financial service as defined in the Financial Sector Regulation Act.

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The National Consumer Tribunal (NCT)

The role of the Tribunal is to adjudicate on: Applications made in terms of the National Credit Act 34 of 2005 by consumers, credit providers, credit bureaux, debt counsellors and the National Credit Regulator.


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