Registration as a Debt Counsellor
The Act makes provision for the registration of debt counsellors which have complied with all
the provisions of the Act and satisfied the training requirements of the NCR.
Debt counsellors will conduct independent enquiries into consumers’ financial circumstances
and make recommendations to the courts concerning debt restructuring and suspension of
reckless credit agreements.
Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of
the National Credit Amendment Act, 19 of 2014:
1. Applicant must be 18 years or older
2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the
South African Qualifications Authority in terms of regulation 10 (a) (i).
3. Must successfully complete a debt counselling course approved by the National
Credit Regulator
4. Must have a minimum of two years full time working experience in any of the
following fields;
• Consumer Protection;
• Complaints Resolution;
• Consumer Advisory Services;
• Legal or Paralegal Services;
• Accounting or financial services;
• Education or training of individuals;
• Counselling of individuals;
General Business Environment.
5. Must not be subject to an administration order as contemplated in section 74 of the
Magistrate‘s court Act 32 of 1944
6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of
the National Credit Act.
7. Must not be engaged in, employed by or acting as an agent for a person that is
engaged in –
• Debt collection;
• The operation of a credit bureau;
• Credit provision.
8. The person must demonstrate ability to manage his / her own finances at the time of
applying for registration as well as providing counselling or transfer of skills.
Documents and information required for the application for registration as a Debt
Counsellor in terms of Section 44 of the National Credit Amendment Act, 19 of 2014:
Please note that your application will not be processed and/or considered without the
following:
1. Completed and signed application form (Form 4).
2. A certified copy of your identity or passport document. If non south African Citizen,
please provide a certified copy of valid work permit
3. A certified copy of your Matric Certificate or equivalent NQF Level 4 qualification
issued by the South African Qualifications Authority (“SAQA”). If it is a foreign
qualification, please provide an evaluation certificate issued by the South African
Qualifications Authority (“SAQA”).
4. A certified copy of your debt counselling certificate issued by an NCR (National Credit
Regulator) accredited training service provider.
5. Proof of registration with the South African Revenue Services (SARS).
6. A copy of your Curriculum Vitae (“CV”) detailing your academic qualifications, full
names of previous and current employers, dates of employment, responsibilities and
experience obtained during each period of employment.
7. A Criminal Clearance Certificate issued by the South African Police Services (SAPS)
or other Service Provider listed in the annexure attached hereto marked A. The
clearance certificate must not be older than six (6) months.
8. Proof of payment of the registration fees:
• Non-refundable application fee of R550;
• Initial registration fee R500;
• Branch fee of R250 per location or premises at or from which the applicant
conducts registered activities.
9. A letter from the bank confirming your banking details or a copy of a cancelled blank
cheque or a stamped bank statement.
Your application will not be considered if you have not completed the debt counselling
course provided by an NCR (National Credit Regulator) accredited training service provider
For further information regarding the application process, please contact the
Registrations Department at telephone number 011 554 2700 or email
registrations@ncr.org.za
