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National Credit Act Compliance and Responsible Lending

Credit providers, retailers offering accounts and microlenders operate under strict responsible lending obligations. This course unpacks the National Credit Act and comparable regional credit legislation, covering affordability assessment, disclosure, reckless lending and debt collection limits. Delegates learn to keep credit agreements compliant and to prepare for regulator engagement while protecting the business from disputes.

What you will be able to do

  • Explain the credit legislation framework and who it applies to.
  • Conduct affordability assessments that avoid reckless lending.
  • Draft compliant credit agreements and pre agreement disclosures.
  • Apply interest, fee and cost of credit caps correctly.
  • Manage lawful debt collection and enforcement steps.
  • Prepare for credit regulator audits and complaint handling.

Course outline

  1. 01Credit Legislation Scope and Registration
  2. 02Affordability Assessment and Reckless Lending
  3. 03Credit Agreement Drafting and Disclosure
  4. 04Interest, Fees and Cost of Credit Limits
  5. 05Debt Collection and Enforcement Boundaries
  6. 06Debt Review and Restructuring Obligations
  7. 07Regulator Engagement and Complaint Handling

Who should attend

This programme is aimed at credit managers, compliance officers, collections staff and legal advisors at banks, retailers, microlenders and other credit providers.

Dates, venues and fees

DatesVenueDaysFeeCalendar
17 to 19 Aug 2026Kampala3US$1,500
24 to 26 Aug 2026Dar es Salaam3US$1,500
31 Aug to 2 Sep 2026Pretoria3R13,000
7 to 9 Sep 2026Cape Town3R13,000
21 to 23 Sep 2026Online3US$900
28 to 30 Sep 2026Mozambique3US$1,500
5 to 7 Oct 2026Cairo3US$1,500
12 to 14 Oct 2026Accra3US$1,500
19 to 21 Oct 2026Lusaka3US$1,500
26 to 28 Oct 2026Kigali3US$1,500
2 to 4 Nov 2026Nairobi3US$1,500
9 to 11 Nov 2026Durban3R13,000
16 to 18 Nov 2026Johannesburg3R13,000
30 Nov to 2 Dec 2026Mauritius3US$1,500
7 to 9 Dec 2026Dubai3US$1,500
14 to 16 Dec 2026Lagos3US$1,500
21 to 23 Dec 2026Harare3US$1,500

Fees are per delegate. South African venues are priced in rand; other locations and online in US dollars. Fees exclude 15% VAT where applicable. Group bookings of three or more delegates from the same organisation qualify for a reduced rate; contact us for a quotation.

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