CISA
1 CPD point
2 modules
NOTE
This course is intended for employees involved in assessing, granting, administering or recovering consumer credit. It can be customised to reflect the organisation’s credit agreements, affordability process, prescribed information, fees and charges, default notices and escalation routes.
It may be useful alongside Consumer Protection Act, POPIA, FICA Awareness, Competition Law and other regulatory awareness courses.
overview
Consumer credit decisions carry regulatory consequences
The National Credit Act regulates the consumer-credit relationship from application to settlement or enforcement, setting rules for when the Act applies, the information consumers must receive, how credit may be granted and administered, and the rights consumers may exercise.
Although legal and compliance teams may oversee the wider framework, much of the practical exposure arises through decisions made by employees who receive applications, assess affordability, communicate terms, apply fees, administer agreements or manage defaults.
This course helps those employees understand where their role intersects with the NCA and when they should consult the organisation’s procedures before acting.
The course
Know when the NCA applies and what the credit process requires
The course explains the purpose, scope and application of the National Credit Act, including the meaning and different types of credit agreements, who qualifies as a credit provider, when registration is required, how juristic persons are treated, and when the Act does or does not apply.
It follows the credit-granting process from the initial application through to termination or payment recovery. Learners consider the information that must be provided, affordability and over-indebtedness, the credit provider’s responsibilities when granting and administering credit, permitted fees and charges, settlement amounts, termination rights, default notices and the steps that may be taken to obtain payment.
Scenario-based examples connect these requirements to the decisions employees may encounter in practice, giving them a clearer basis for recognising when an NCA requirement is involved and when internal guidance is needed.
Credit conduct
NCA risk often starts in the way credit is explained, assessed, recorded or collected.
Regulatory consequences
The National Credit Regulator can act
The National Credit Regulator monitors and enforces the Act by investigating suspected contraventions, issuing compliance notices and referring appropriate matters to the National Consumer Tribunal. The Tribunal can order corrective action, suspend or cancel a registration, and impose significant administrative fines for non-compliance.
Training does not remove this exposure, but it can help employees recognise when their work engages an NCA requirement and when a decision should be checked before the organisation proceeds.
Build NCA awareness around the credit processes your employees touch.
Got questions? Start here.
Does every organisation need the same NCA training?
No. The National Credit Act may affect organisations differently depending on their credit products, customer journey, agreements, fees, collections process and consumer-facing operations. The course can be customised around the parts of the Act that are relevant to the organisation’s business, rather than treating every audience as if the same NCA risks apply.
Can this course be customised to our credit processes?
Yes. The course can be customised around the organisation’s credit products, customer journey, approval process, affordability checks, prescribed information, fees and charges, complaints process, default notices, collections process and escalation channels. This helps employees connect NCA awareness to the processes they are expected to follow at work.
Who should complete this National Credit Act course?
The course is suitable for employees involved in credit applications, affordability assessments, prescribed information, credit agreements, account administration, fees and charges, defaults or payment recovery. Legal, compliance, risk and management employees may also benefit where they oversee these activities or advise the teams responsible for them.
Is this advanced NCA or examination-preparation training?
No. This is a 60-minute practical awareness course. It provides a structured overview of the Act and the credit-granting process, but it is not specialist legal training, regulatory-return training or preparation for a professional examination.
Who should do NCA training?
NCA training is useful for employees involved in granting, marketing, administering, collecting, reporting on, advising on, or communicating about consumer credit. This may include sales, marketing, credit origination, underwriting, approvals, customer service, complaints, collections, finance, accounts, HR, payroll, IT, data, legal, compliance, risk and senior management, depending on the organisation’s credit activities.
Why should organisations provide National Credit Act training?
National Credit Act training helps employees understand how consumer credit rules affect ordinary business activity. NCA exposure can arise when employees advertise credit, explain terms, assess affordability, capture credit data, handle complaints, escalate defaults, manage fees or collect payments. Awareness helps employees recognise where their role may affect consumer-credit compliance.
e-learning library
Related courses
These employee awareness topics may also be relevant to your industry.
Fill in your details below to receive a quote.