POPIA, CPA, NCA, NCR & FICA — What Credit Teams Must Know
Approx. 45 min webinar · Credit Thursdays · Watch on YouTube
This webinar walks you through the five rules that shape every credit decision you make — POPIA, the CPA, the NCA, the NCR and FICA — in plain English, with no reading of legislation.
Whether you’re a credit controller, a financial manager, or anyone who extends trade credit, this session gives you what you actually need: what each rule is, why it exists, and what you need to do differently to stay compliant.
Please note: this is general guidance, not legal advice — where a decision turns on the law, confirm it with a qualified attorney.
What you will learn
| ✓ What each of the five rules is — and how they differ | ✓ Why a standard 30-day account is a “credit agreement” in law |
| ✓ The R0 registration threshold — and why “too small” is dead | ✓ What reckless lending is — and how to assess affordability |
| ✓ The R1m (NCA) vs R2m (CPA) protection lines | ✓ POPIA’s 8 conditions and how to handle data lawfully |
| ✓ What FICA’s KYC means at onboarding — and the greylist backdrop | ✓ A practical compliance checklist for the credit office |
Watch the Webinar — POPIA, CPA, NCA, NCR & FICA
Webinar Recording
Who This Webinar Is For
Credit Controllers & Managers Opening accounts, granting credit and chasing overdue payments. | Financial Managers & CFOs Responsible for compliance, bad debt and audit readiness. |
Sales & Onboarding Teams Collecting customer documents and getting T&Cs and surety signed. | New Trade Shield Users Anyone who wants to understand how compliance shapes credit decisions. |
Topics Covered in This Session
Why credit teams can’t ignore this
How collecting data, granting credit and signing T&Cs put all five rules on your desk every single day.
Five names, one job: protecting trust
The 30-second version of NCA, NCR, CPA, POPIA and FICA — the rule book, referee, fair play, data care and the bouncer at the door.
The National Credit Act (NCA)
Responsible lending, the R0 registration threshold, incidental credit agreements, and assessing affordability before you grant.
The National Credit Regulator (NCR)
The referee: who polices the credit industry, what they can investigate, and the penalties for getting it wrong.
The Consumer Protection Act (CPA)
Fair terms, plain language, the R2m line, the cooling-off period, and why surety must be a separate document.
POPIA — protecting personal information
The 8 conditions for lawful processing, having a lawful basis, the R10m fine, and what to do if a breach happens.
FICA — know who you’re dealing with
KYC at onboarding, beneficial ownership, the 2022 expansion to credit providers, and South Africa’s greylisting.
Your credit team compliance checklist
Everything pulled together into a practical to-do list across all five frameworks.
ⓘ Tip: The single most important onboarding habit is the “one front door” rule — FICA (know who they are), the NCA (check they can afford it and register if you must) and POPIA (handle the data lawfully) all meet at account opening. Get onboarding right and you’ve covered a huge chunk of all five.
Download the Presentation Slides
POPIA, CPA, NCA, NCR & FICA — Webinar Slide Deck
TradeShield_POPIA_CPA_NCA_NCR_FICA.pptx · 27 slides · 772 KB
The slide deck covers all the frameworks from the webinar — a handy reference to keep alongside the recording.
| ✓ NCA: R0 threshold & affordability | ✓ CPA: plain language & the R2m line |
| ✓ POPIA: the 8 conditions & breaches | ✓ FICA: KYC & beneficial ownership |
| ✓ NCA vs CPA at a glance | ✓ The full compliance checklist |
Related Resources
| › Watch on YouTube — Full Webinar | › Training Videos & Webinars — All Sessions |
| › Trade Shield Knowledge Centre — Home | › Contact Support — support@tradeshield.ai |
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