NCA Compliance Toolkit 2026 — Credit Law for Practitioners: 15-Chapter Guide, Flash Cards & 50-Question Self-Assessment
Most NCA training in circulation still teaches the pre-2016 Act. If your team believes there's a "100-agreement registration threshold" or quotes "repo × 2.2" interest caps, they're working from a decade-old statute.
The NCA Compliance Toolkit teaches consumer credit law as it stands today — including the numbers that changed and the numbers most material gets wrong.
What's inside — one interactive file, three tools:
📘 Fifteen chapters, from fundamentals to practitioner depth:
- The regulatory architecture, the nil registration threshold in force since 11 November 2016 (every credit provider must register — no book-size exception), and what unlawful agreements cost after Opperman
- The three agreement types, size thresholds (R15,000 / R250,000), and the R1 million juristic-person rule — correctly contrasted with the CPA's R2 million
- Reckless lending under s80: the three grounds, the burden of proof, and why recklessness is judged at origination
- Credit bureau retention done right: the Regulation 17 table — 1 year after settlement for paid adverse listings, 5 years for judgments, 2 for enquiries — and the "five years for everything" myth dismantled
- Debt review end to end: the 5-day notifications, the 30-business-day determination, PDAs, the clearance certificate, and the no-exit-after-order rule
- The practitioner chapters competitors don't attempt: affordability assessment under regulation 23A (validation steps, the expense norms table, the misstatement defence), cost of credit with the current post-2016 caps (unsecured repo + 21%, mortgages repo + 12%) and correct VAT treatment of fees, the in duplum rule with its unsettled edges honestly flagged, s129/s130 enforcement, credit life insurance caps and the substitution right, and prescribed debt under s126B
- Identity-fraud protection as it really works in South Africa: SAFPS Protective Registration — not the mythical "credit freeze right"
- The 2025 draft regulations, honestly labelled as proposals not yet in force
🃏 40 Flash Cards and 📝 a 50-question scenario self-assessment — timed (75 min, 70% benchmark) or practice mode with instant explanations, per-topic results, unlimited retakes.
Who it's for: Credit providers and their front-line staff, debt counsellors and candidates in NCR-recognised training, collections and recoveries teams, attorneys and paralegals, retailers offering credit — and every business that just discovered the nil threshold means they must register.
Sovereignty by Char (Pty) Ltd is an independent publisher, not affiliated with the NCR or NCT. Education, not legal advice — the disclaimers inside state exactly what this is.
