Consumer Credit Regulation in South Africa
Print ISBN: 9780702195518
Print ISBN: 9780702195518
Product Details:
Author(s):
Year Published:
2012
Edition
1st Edition
Type:
Print | Soft Cover
Language:
English
About this publication
Consumer Credit Regulation in South Africa deals with the South African law concerning consumer credit. As the National Credit Act is not the only statute that governs consumer credit agreements, other legislation that either governs or influences consumer credit agreements is also considered, particularly the Alienation of Land Act 68 of 1981 and the Consumer Protection Act 68 of 2008. Part A of the book provides a complete discussion of the National Credit Act, and Part B considers the interplay between the National Credit Act, the Alienation of Land Act and the Consumer Protection Act. A supplementary CD comprising relevant legislation and regulations, and the guidelines of the National Credit Regulator, is included.
Content
Table of statutes
Table of cases
Decisions of the National Consumer Tribunal
Introduction, implementation, objectives and interpretation of the National Credit Act
Application and scope of the National Credit Act
Regulatory consumer credit institutions
Regulation of the consumer credit industry
Basic consumer credit rights
Consumers’ personal and credit information
Credit marketing and advertising practices
Consumer credit agreements
Interest rates and other costs of credit
Statements of account
Collection and repayment practices, restrictions on certain practices and a special process to surrender movable goods
Reckless lending and over-indebtedness
Legal debt enforcement by repossession or judgment and the institution of insolvency proceedings
Dispute resolution other than debt enforcement
Enforcement of the Act
Miscellaneous matters
Regulations
Conflicting legislation, amendments of legislation and the repeal of laws
Transitional provisions and arrangements
The interplay between the National Credit Act and the Alienation of Land Act 68 of 1981
The interplay between the National Credit Act and the Consumer Protection Act 68 of 2008
Index
Supplementary CD
Interest / Benefit to
Legal practitioners
Judicial officers
Academics
Credit providers – particularly banks and other financial institutions