National Credit Act, 2005

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To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information.


Last update: July 2010

Copyright: This Act reproduced under Government Printers Copyright Authority 10154 dated 20 March 1996

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Latest Developments:


The Act has been updated by as Amendment to the Regulations – Notice No. R. 604, printed in Government Gazette No. 30713.


The National Credit Act No. 34 of 2005 as published in Government Gazette No. 28619 dated 15 March 2006 is now added, as well as :

National Credit Regulations, 2006 (GG 28864) dated 31 May 2006;

Notice No. 713 of 2006 – Determination of Thresholds- (GG 28893) dated 1 June 2006;

Regulations relating to Free Credit Records (GG 29245) dated 21 September 2006;

Regulations relating to consumer credit information (GG 29442) dated 30 November 2006; and

Rules for the conduct of matters before the National Consumer Tribunal (GG 30225) dated 28 August 2007.