{"meta":{"key":"c_za--pass-02","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-02","path":"/research/c_za--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":25,"sources":16,"review_status":"source_provenance_and_narrative_duration_addressed_viaP03","review_complete":true,"sha256":"6bd90abe2674bebf175eaefa70fef9e355809d1e169cc18d0ac9745102e16dfe","headings":["Focused finding: 2019 debt-intervention commencement and implementation","Verification window and result","G1 — Enactment, commencement and transitional status","G2 — Enacted operational architecture, with current availability unproved","G3 — The 2025–26 documents are different instrument families","G4 — Immediate claim disposition and publication rule","Source register — C_ZA-P02-S001 through S016","Atomic claim/evidence register — C_ZA-P02-C001 through C025","Enactment-to-operation dependency crosswalk","Targeted P01 old-to-new disposition","Worked status-classification examples","Example 1 — Published Act, no commencement instrument in the evidence file","Example 2 — Hypothetical staged commencement; one section operative, another withheld","Example 3 — An unrelated draft or current guideline is presented as proof","Example 4 — The statutory 48-month rule is mistaken for a 2019–2023 calendar window","Granular coverage ledger","G1 — Enactment, commencement, provenance and currentness","G2 — Statutory service dependencies and actors","G3 — Source-family conflicts","G4 — P01 corrections and publication disposition","Deferred P01 and whole-country subjects — unchanged holds","Search and read audit","Official repositories and actual bounds","Unresolved primary candidates and prioritized retrieval","Researcher self-check and publication controls","Displayed register counts","Evidence-grounded next publishing opportunity"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-02","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["lawsuit"],"subject":["validation-disputes","court-entry-service","policy-history"]},"scope":"Reviewed remaining2019debt-intervention enactment/commencement/operative-dependencies identity question only","pending_corrections":0},"markdown":"# SettleADebt C_ZA PASS-02 — South Africa\n\n## Focused finding: 2019 debt-intervention commencement and implementation\n\nPublication hold remains 2019 source discrepancy identified\n\nThe principal finding is a correction to the 2019 Act’s source record, not a reversal of P01’s cautious conclusion about commencement.\n\nThe official publication in Government Gazette 42653, Government Notice 1086, dated 19 August 2019, expressly withdrew and replaced the earlier publication in Gazette 42649. The replacement records presidential assent on 13 August 2019. P01 source C_ZA-S012 cited the earlier, withdrawn Gazette; the controlling enactment citation must instead be the replacement Gazette. This correction matters for source integrity even where the substantive commencement wording agrees. C_ZA-P02-C001. gov.zagov.za\n\nSection 32 of the replacement Act provides for commencement on a date fixed by presidential proclamation in the Gazette. Neither assent nor publication on 19 August 2019 independently establishes the commencement date. C_ZA-P02-C002. gov.za\n\nThe enacted amendments describe a distinct prospective debt-intervention process involving the National Credit Regulator (NCR) and National Consumer Tribunal. But finding the statutory text, preparatory activity or a later document mentioning debt intervention does not, without the necessary commencement and operational instruments, establish that the 2019 process can presently be offered to consumers. C_ZA-P02-C003 (bounded evidentiary conclusion). gov.za\n\nThe appropriate interim disposition is therefore to retain P01 C032 and C045’s unknown-operative-status/publication hold, while correcting their reliance on the superseded Gazette. The complete instrument-chain findings and limitations follow.\n\n### Verification window and result\n\nFresh public-source checks were conducted 26 October 2026, approximately 17:24–17:28 Pacific daylight time (PDT); 27 October 2026, approximately 00:24–00:28 UTC, corresponding to 02:24–02:28 South African Standard Time (SAST).\n\n| Question | Narrow result |\n| --- | --- |\n| Was Act 7 of 2019 enacted and officially published? | Yes. The replacement Gazette 42653 was freshly read. C001. |\n| Does the Act commence automatically on assent or publication? | No. Section 32 specifies presidential proclamation. C002. |\n| Was a qualifying 2019 Act commencement proclamation established through the research cutoff? | No instrument established in the bounded search. Its operative status remains unresolved, not affirmatively disproved. C003. |\n| Does Proclamation R.10 of 2015 answer that question? | No. It commenced Act 19 of 2014, a different amendment. C004. |\n| Do the identified 2025 draft withdrawal or 2026 NCR guideline commence debt intervention? | No. They concern different instruments and procedures. C019–C021. |\n| Can the 2019 debt-intervention benefits be described as operational today? | Not on the established evidence. Publication remains on hold pending the actual commencement and implementation chain. C023. |\n\n### G1 — Enactment, commencement and transitional status\n\n1. Enactment and source identity. Act 7 of 2019 was assented to on 13 August 2019 and published in replacement Gazette 42653, GoN 1086, on 19 August 2019. The text explicitly replaces Gazette 42649. The earlier Gazette must remain in the history as a withdrawn source, not be cited as the authoritative final promulgated copy. C001. gov.za\n\n2. Commencement trigger. Section 32 does not nominate 19 August 2019 or another self-executing date. It requires a date set by the President through a Gazette proclamation. That presidential instrument, its exact coverage and its stated operative date are separate evidence requirements. C002. gov.za\n\n3. Bounded 2026 check. Searches directed at official government, Presidency/Gazette, dtic, NCR, NCT and Government Printing Works sources did not yield a verified proclamation commencing Act 7 of 2019. The government’s Act landing page repeats the statutory proclamation mechanism, but does not itself identify an operative proclamation. The Government Printing Works archive pages were accessible as search-entry pages, without a complete searchable result set in the retrieved text. This supports “not established in this research”, not “no proclamation exists” or “the Act has never commenced.” C003. South African GovernmentGPW\n\n4. An important false positive was resolved. Proclamation R.10 of 2015, published in Gazette 38557 on 13 March 2015, says that the National Credit Amendment Act 19 of 2014 commences upon that proclamation’s publication. It invokes §39 of the 2014 Act. Its title is similar, but it predates and does not commence Act 7 of 2019. C004. gov.za\n\n5. Historical implementation evidence. The NCR’s 2022/23–2024/25 Annual Performance Plan described implementation of the 2019 measure as still being prepared. An NCT revised draft 2024/25 plan used prospective language about the Act extending the Tribunal’s functions once enforced. These are dated institutional statements, not commencement instruments, and they cannot conclusively determine status on 27 October 2026. C005. thedtic.gov.zathedtic.gov.za\n\n6. Transition. Section 31 would apply the amendment to certain earlier credit agreements within the principal Act’s Chapter 1 scope, excluding amending clauses 19, 25 and 26. The enacted section calls it the “National Credit Amendment Act, 2018” while §32 names the 2019 Act. This apparent drafting-year inconsistency is preserved verbatim as a source-text issue; no retrospective application is asserted without identifying commencement and the proper treatment of that inconsistency. C006. gov.za\n\n7. Later changes. No later, verified amendment, repeal, commencement modification or ministerial threshold-adjustment instrument specifically governing these 2019 debt-intervention provisions was established during the bounded search. The dtic-hosted consolidation labels them pending, but expressly dates its update to withdrawn Gazette 42649 in 2019; it is historical secondary compilation evidence, not a verified consolidation to October 2026. C018. thedtic.gov.za\n\n### G2 — Enacted operational architecture, with current availability unproved\n\nThe following describes what the 2019 enactment would establish if and to the extent the relevant provisions are brought into operation. These are not advertised current entitlement rules.\n\nApplicant and agreement perimeter. The proposed inserted definition in §1 identifies a natural person or natural persons sharing a joint estate, restricted to stated unsecured credit categories, over-indebted and neither sequestrated nor under an administration order. The enacted income criterion is no income or a preceding-six-month average gross income not exceeding R7,500 per month, subject to an authorized change mechanism. The enacted §86A(1) total-unsecured-debt figure is R50,000, also subject to its specified adjustment mechanism. Developmental credit under §10 and agreements already taken to the §130 enforcement stage are excluded in the specified circumstances, with an express §85(c) qualification for the latter. These are 2019 text figures, not verified current operating limits. C007–C008. gov.zagov.za\n\nWho could act. Proposed §15A gives assistance functions to the NCR. Its CEO or authorized employee could appoint suitable NCR or other state employees as debt-intervention officers, issuing the prescribed certificate. Such an officer would be deemed registered as a debt counsellor under §44 only for the stated §15A(1) services. That limited statutory deeming provision neither makes an unrelated commercial negotiator an NCR debt-intervention officer nor proves the necessary appointments and certificates were issued. C009. gov.zagov.za\n\nWho receives, evaluates and recommends. Under proposed §86A:\n\n- The applicant would apply to the NCR in the prescribed manner and form; the NCR would assess using specified §86 procedures, engage the identified credit providers and provide financial-literacy counselling/access to training. C010.\n- Depending on its reasoned assessment, the NCR would reject; recommend consideration of a voluntary arrangement for a nonqualifying applicant in difficulty; refer apparent reckless, unlawful or prohibited-conduct agreements; recommend Tribunal rearrangement if qualifying obligations could be rearranged within five years or a longer prescribed period; or recommend the separate §87A Tribunal route where income and assets were insufficient for such rearrangement. C011.\n- The enacted text also provides for creditor representations, rules around termination before Tribunal filing, and the court’s potential resumption order. Those procedural predicates are not a present creditor-cooperation or protection promise. C012. gov.zagov.zagov.za\n\nThe unusually important sunset condition. Proposed §86A(12)(a) makes the §86A(6)(e) referral power, specifically, effective for 48 months from when that subsection becomes operational. A ministerial review report is required within 36 months after that operational trigger. These periods do not start merely because the statute was published in August 2019. Without the subsection’s proved operational date, neither the start nor the possible expiration of this branch can be assigned a calendar date. C013. gov.za\n\nWho determines relief. Proposed §87(1A) assigns specified rearrangement determinations to the National Consumer Tribunal on an NCR recommendation. Proposed §87A separately permits a qualifying case to be rejected or to receive a discretionary suspension, initially up to 12 months with one further 12-month extension under stated conditions and financial-literacy participation. Subsequent NCR reassessments and the Tribunal’s further assessment precede any potential order extinguishing qualifying amounts. This is not an automatic two-year payment holiday or debt write-off. C014. gov.zagov.zagov.zagov.za\n\nLinked record, effect and rehabilitation provisions. Proposed §§69A, 70–71A, 88A–88B and relevant Tribunal-jurisdiction amendments create recordkeeping, notification, credit-information, credit-restriction, enforcement-effect and potential rehabilitation mechanisms. They depend on the enacted statutory predicates and, in numerous places, prescribed forms or processes. Merely having an existing NCR system or a debt counsellor’s clearance certificate does not prove this separate 2019 system is operative. C015–C016. gov.zagov.za\n\nAdditional regulations and threshold notices. Proposed §171(1)(bA) and (bB) contemplate ministerial regulations for financial-literacy participation and specified interest/charge-order treatment. Proposed §171(2A) separately permits income and unsecured-debt amount adjustments by Gazette notice with the specified consideration, consultation, tabling and approval requirements; §171(2A)(e) constrains adjustment of the time-limited §86A(6)(e) branch. No completed current chain of those applicable rules, notices, forms, appointments and commencement instruments was verified. C017. gov.zagov.zagov.za\n\nExisting debt review is a different pathway. The 2005 NCA’s §86 provides for an application to a debt counsellor, assessment and the specified route to the Magistrate’s Court under §87. The proposed §86A applies through the NCR, with designated Tribunal and court branches. A voluntary private workout, ordinary debt review and 2019 debt intervention should never be labelled as though they confer the same statutory status. Full current debt-review procedures remain P01-deferred. C022. justice.gov.zajustice.gov.zagov.za\n\n### G3 — The 2025–26 documents are different instrument families\n\n- August 2025 draft: Government Gazette 53154, Regulation Gazette 11867, GoN R.6510, 13 August 2025 publishes proposed National Credit Regulations amendments. Fresh visual inspection of all four PDF pages identifies changes addressing credit-information and credit assessment/reporting, including corporate/SME and educational-information issues. It does not purport to proclaim Act 7 of 2019’s §32 commencement or prescribe a §86A debt-intervention application system. It was a draft, not binding final rules. C019. \n\n- Withdrawal: The dtic’s 12 November 2025 parliamentary briefing, expressly marked as discussing withdrawn draft regulations, says the August draft was withdrawn in its entirety following objections. It explains that the educational-institution rule cited in the controversy was not itself newly inserted by that draft; the proposed change concerned expansion of credit-information treatment, notably for juristic persons and SMEs. The separate 12 September 2025 ministerial statement was supplied as a P01 source and is visible in official search, but fresh direct-page retrieval failed; this finding independently rests on the freshly opened parliamentary briefing. Withdrawal of this draft does not withdraw the 2019 Act or every other NCA rule. C020. thedtic.gov.zathedtic.gov.za\n\n- February 2026 NCR Guideline 001/2026: This concerns debt counsellors’ Form 19 clearance-certificate filing through the CBA debt-counselling platform, citing the existing NCA §71(4) clearance context. Its scope is neither presidential commencement of the 2019 Act nor an §86A implementation instrument. The guideline’s own rescission of previous clearance-filing guidance must not be enlarged into repeal or commencement of primary legislation. C021. ncr.org.zancr.org.za\n\n### G4 — Immediate claim disposition and publication rule\n\nP01’s core safeguards survive: C032 and C045 remain correctly cautious, subject to the critical replacement of withdrawn source S012 with authoritative Gazette 42653. C038 continues to separate existing §§86–87 debt review and private negotiation from the contingent §86A scheme. C033 remains limited to the specific August 2025 credit-information draft withdrawal. C023–C024.\n\nPermissible publication language:\n\nSouth Africa enacted debt-intervention amendments in the National Credit Amendment Act 7 of 2019. The Act requires commencement by presidential proclamation. Our official-source verification through 27 October 2026 did not establish the relevant proclamation or a complete current implementation chain, so we cannot confirm that the new statutory process is operational. Existing debt review under the National Credit Act is a distinct process.\n\nWithhold: “Applications are open”; “eligible if income is below R7,500”; “up to R50,000 will be written off”; “all unsecured debts can be suspended for two years”; “the 2019 scheme never commenced”; “it expired in 2023”; or “an NCR debt counsellor automatically acts as a debt-intervention officer.”\n\nThese assertions require different missing primary instruments or applicant-specific predicates. Neither the statutory text nor an inconclusive search supports them. C003, C007–C017, C023.\n\n## Source register — C_ZA-P02-S001 through S016\n\nThe registers below distinguish three evidence classes:\n\n- Fresh body read: the relevant statute, PDF pages or official institutional document were opened during P02.\n- Dated P01 attribution / fresh discovery only: the earlier researcher described access, but the relevant body was not successfully reopened in P02.\n- Catalog or failed-access boundary: identifies a search location or failed candidate; not affirmative proof that an instrument does not exist.\n\nPDF page indices are zero-based. “Printed page” refers to numbering visible on the Gazette/document, where established. All listed fresh P02 checks occurred 26 October 2026 PDT / 27 October 2026 UTC; access times were not recorded separately for every retrieval. The verified time checks bracketed the work at approximately 17:24–17:28 PDT / 00:24–00:28 UTC, with retrieval continuing afterward. This is a research-access window, not a source’s legal effective date.\n\n| Source ID | Issuer, full title and complete direct URL | Exact relevant pinpoint; printed page vs. PDF index | Status, scope, access and actual reading limit |\n| --- | --- | --- | --- |\n| C_ZA-P02-S001 | Presidency / Government Gazette, National Credit Amendment Act 7 of 2019, GG 42653, GoN 1086, 19 Aug 2019. [https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf](https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf?utm_source=chatgpt.com) | PDF P1 / GG p2: assent and replacement notice. P3–5 / GG pp4–6: definitions. P5,7 / GG pp6,8: §15A. P13–17 / GG pp14–18: §§85–86A. P17–23 / GG pp18–24: §§87–87A. P23–27 / GG pp24–28: §§88A–88B. P31 / GG p32: §137. P37–41 / GG pp38–42: §171, §§31–32. | Fresh body read 26 Oct PDT / 27 Oct UTC. Final published 2019 replacement enactment; 44 PDF pages. Enacted statute, but commencement by proclamation unverified. Relevant English body and selected adjacent qualifications read; not a full current consolidated-law or amendment-citator audit. gov.za |\n| C_ZA-P02-S002 | Presidency / Government Gazette, earlier National Credit Amendment Act 7 of 2019, GG 42649, GoN 1081, 19 Aug 2019. [https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf](https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf?utm_source=chatgpt.com) | PDF P0 / GG p2: apparent assent 27 June 2017. PDF P40 / GG p42: §§31–32. Replacement established by S001 P1/GG p2. | Fresh historical body read, 26 Oct PDT / 27 Oct UTC; 42 PDF pages. Withdrawn/replaced by S001. Used only to document the P01 source discrepancy and historical wording, never as the controlling final 2019 publication. gov.za |\n| C_ZA-P02-S003 | South African Government, National Credit Amendment Act 7 of 2019 (English / isiZulu), legislative record. [https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019](https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019?utm_source=chatgpt.com) | HTML: Act attachment 42653 and “Commencement” field. PDF index inapplicable. | Fresh HTML body read, 26 Oct PDT / 27 Oct UTC. Official legislative metadata pointing to S001. Repeats the §32 mechanism, not an identified proclamation or independently determined effective date. South African Government |\n| C_ZA-P02-S004 | President / Government Gazette, Commencement of the National Credit Amendment, 2014 (Act 19 of 2014), Proclamation R.10 of 2015, GG 38557, 13 Mar 2015. [https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf](https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf?utm_source=chatgpt.com) | Entire single-page proclamation: PDF P0 / GG p3; heading, reference to 2014 Act §39, commencement on proclamation publication. | Fresh complete body read and page image inspected, 26 Oct PDT / 27 Oct UTC. Operative for Act 19 of 2014, not Act 7 of 2019. Similar-name commencement-search false positive resolved. gov.za |\n| C_ZA-P02-S005 | Parliament / Department of Justice official hosted copy, National Credit Act 34 of 2005, GG 28619, 15 Mar 2006. [https://www.justice.gov.za/mc/vnbp/act2005-034.pdf](https://www.justice.gov.za/mc/vnbp/act2005-034.pdf?utm_source=chatgpt.com) | §86 begins PDF P59 / GG p118 and continues P60–61 / GG pp120–122. §87 PDF P61 / GG p122. | Fresh body read 26 Oct PDT / 27 Oct UTC; 116 PDF pages. Primary original NCA text used only to distinguish the §86 debt-counsellor and §87 court pathway. Original enactment alone does not recertify every subsequent amendment or procedural rule as at 2026. justice.gov.zajustice.gov.za |\n| C_ZA-P02-S006 | dtic-hosted compilation, National Credit Act No. 34 of 2005. [https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com) | PDF P0, update statement and “pending amendment” list; P8–9 proposed §1 definitions; P59–60 proposed §87; additional pending labels throughout. No original Gazette printed pages. | Fresh body read, 26 Oct PDT / 27 Oct UTC; 112 pages. Compilation says updated to GG 42649 (2019) and labels Act 7/2019 amendments pending; therefore it is historically dated and references the subsequently withdrawn Gazette. Its notes are not a 2026 official commencement certificate or authenticated current consolidation. thedtic.gov.zathedtic.gov.za |\n| C_ZA-P02-S007 | National Credit Regulator / dtic, Annual Performance Plan 2022/23–2024/25 and Strategic Plan 2022–27. [https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf](https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf?utm_source=chatgpt.com) | PDF P0 cover; PDF P9 official sign-off; PDF P11 / printed NCR p10, Part A, “Updates to relevant legislative and policy mandates.” | Fresh body read, 26 Oct PDT / 27 Oct UTC; 80 pages. Institutional historical report says implementation was being prepared in the 2022 planning context. Official planning evidence, not a proclamation, final 2026 status statement or application notice. thedtic.gov.za |\n| C_ZA-P02-S008 | National Consumer Tribunal / dtic, Revised Draft Annual Performance Plan 2024/25. [https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf](https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf?utm_source=chatgpt.com) | PDF P0 expressly “REVISED DRAFT”; PDF P12 / printed plan p17, legislative mandate section, prospective phrase about Act 7 of 2019 once enforced. | Fresh body read, 26 Oct PDT / 27 Oct UTC; 76 pages. A draft institutional planning document. It supplies contextual evidence of contemplated extension of NCT functions at that planning date; neither approved final status nor legal commencement. thedtic.gov.zathedtic.gov.za |\n| C_ZA-P02-S009 | Minister / Government Gazette, National Credit Act: Regulations: Amendment, GG 53154, Regulation Gazette 11867, GoN R.6510, 13 Aug 2025. [https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf](https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf?utm_source=chatgpt.com) | Scanned PDF P0–3, corresponding to displayed GG pp3–6; P0 notice and purpose, P1–3 proposed amendments to existing regulations and credit-information-related material. | Fresh visual body inspection of all four PDF pages, 26 Oct PDT / 27 Oct UTC. A consultation draft associated with credit-information/SME issues. Later withdrawal documented by S011; not a §32 presidential proclamation or adopted §86A implementation rule. Machine-readable extraction unreliable, so identification is based on pages actually inspected.  |\n| C_ZA-P02-S010 | Department of Trade, Industry and Competition, Minister Tau Withdraws the National Credit Act Amendment Regulations, 12 Sep 2025. [https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/](https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/?utm_source=chatgpt.com) | HTML statement, opening paragraph reporting withdrawal of the 13 Aug 2025 draft and discussion of educational-institution credit information; no PDF index. | Dated P01 attribution says full HTML body opened 26 Oct 2026. P02 fresh direct fetch failed; official search displayed title/date/statement text, but that discovery is not counted as a fresh full-body read. The actual withdrawal finding is independently supported by freshly read S011. thedtic.gov.za |\n| C_ZA-P02-S011 | Department of Trade, Industry and Competition, Briefing to Portfolio Committee on Small Business Development: Areas of Policy Overlaps, 12 Nov 2025. [https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf](https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf?utm_source=chatgpt.com) | PDF P0, dated cover; P1, agenda describes withdrawn draft; P4–7, especially P6–7 / presentation slides 7–8, SME reporting context and withdrawal explanation. | Fresh body read, 26 Oct PDT / 27 Oct UTC; 14 pages. Official explanatory briefing supports the status and precise subject of the August 2025 draft only. It is not a statute, withdrawal Gazette instrument for all laws, or §32 commencement instrument. thedtic.gov.zathedtic.gov.za |\n| C_ZA-P02-S012 | National Credit Regulator, Guideline on the Filing of Clearance Certificates (Form 19) via the CBA Debt Counselling Platform, Guideline 001/2026, February 2026. [https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf](https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf?utm_source=chatgpt.com) | PDF P0 cover; P1 / guideline printed p1, background citing §71(4), purpose; P2–3 / printed pp2–3, platform process and limitations. | Fresh body read, 26 Oct PDT / 27 Oct UTC; 4 pages. Current-looking agency guidance for existing debt-review clearance, not statutory §86A debt intervention; guidance status and its effects outside source identity are deferred. ncr.org.za |\n| C_ZA-P02-S013 | South African Government, Notices catalogue, title-sorted candidate index. [https://www.gov.za/documents/notices?order=title&page=1095&sort=asc](https://www.gov.za/documents/notices?order=title&page=1095&sort=asc&utm_source=chatgpt.com) | Requested HTML catalogue page, no statutory section/PDF index. Related official search result surfaced a 2015 “National Credit Amendment Act: Commencement” listing; full candidate body subsequently opened as S004. | Direct fetch failed (timeout) during P02; official indexed search result used only for discovery. Not a complete 2019–2026 proclamation inventory. The relevant discovered 2015 candidate was independently resolved by S004. South African Government |\n| C_ZA-P02-S014 | Government Printing Works, Government Gazettes archive 2025–2028. [https://www.gpwonline.co.za/government-gazettes-4/](https://www.gpwonline.co.za/government-gazettes-4/?utm_source=chatgpt.com) | HTML archive landing; 2025–2028 label and “Search documents” interface. No proclamation paragraph/PDF index surfaced. | Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery interface only: retrieved text did not expose a complete query-result register or relevant PDF. Does not establish absence of any 2025–26 commencement Gazette. GPW |\n| C_ZA-P02-S015 | Government Printing Works, Government Gazettes archive 2021–2024. [https://www.gpwonline.co.za/government-gazettes-3/](https://www.gpwonline.co.za/government-gazettes-3/?utm_source=chatgpt.com) | HTML archive landing, 2021–2024 label and search interface; no Gazette body/PDF index. | Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery-only; all underlying Gazette issues were not enumerated or individually examined. GPW |\n| C_ZA-P02-S016 | Government Printing Works, Government Gazettes archive 2016–2020. [https://www.gpwonline.co.za/government-gazettes-2/](https://www.gpwonline.co.za/government-gazettes-2/?utm_source=chatgpt.com) | HTML archive landing, 2016–2020 label and search interface; no Gazette body/PDF index. | Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery-only; no comprehensive search of individual 2019–2020 Gazette issues is claimed. GPW |\n\nSource-identity reconciliation with P01: P01 S012 → P02 S002 is the withdrawn 42649 PDF, with controlling replacement P02 S001. P01 S011 → P02 S003 is the government legislative landing record, although the URLs are different versions of the Act listing. P01 S031 → P02 S009; S036 → P02 S010; S021 → P02 S011; and S037 → P02 S012. P01 source IDs remain historically preserved.\n\n## Atomic claim/evidence register — C_ZA-P02-C001 through C025\n\n“Enacted conditional” means the words appear in Act 7 of 2019, not that the new duty, permission or consumer protection has been proved operative.\n\n| Claim ID | Exact bounded proposition | Source ID and pinpoint | Actor, trigger, required act/consequence, exceptions and evidentiary limit |\n| --- | --- | --- | --- |\n| C_ZA-P02-C001 | GG 42653 / GoN 1086 (19 Aug 2019) expressly withdrew and replaced GG 42649; replacement Act 7 of 2019 records assent 13 Aug 2019. | S001 PDF P1/GG p2; S002 PDF P0/GG p2. | National enactment/source identity. The replaced Gazette is historical evidence, not final authority. Assent and gazetting are not §32 commencement. |\n| C_ZA-P02-C002 | Act 7/2019 §32 requires presidential proclamation in the Gazette fixing the date on which the Act operates. | S001 §32, P41/GG p42; S003 HTML commencement field. | President; national commencement. A valid relevant proclamation and its scope/date must be read; no date may be inferred from the Act’s publication. |\n| C_ZA-P02-C003 | A proclamation commencing Act 7/2019 was not established by the bounded official search to the stated October 2026 cutoff. | S003 commencement metadata; S013 failed catalogue; S014–S016 archive landing bounds; audit below. | Research finding about available evidence, not a legal finding of nonexistence/noncommencement. Search did not enumerate all Gazettes; retrieve operative instrument or authoritative current register before concluding status. |\n| C_ZA-P02-C004 | Proclamation R.10/2015, GG 38557, addresses Act 19 of 2014 under its §39, not Act 7/2019. | S004, complete P0/GG p3. | President; 2014 amendment, operative on publication of that proclamation. Identical generic title creates false-positive risk; its 2015 date and explicit 2014 citation rule it out for 2019. |\n| C_ZA-P02-C005 | NCR reported preparation for 2019 debt intervention in 2022 planning; NCT’s draft 2024/25 plan described effects once enforced. | S007 P11/printed p10; S008 P0 draft label, P12/printed p17. | NCR/NCT institutional planning, dated statements only. No operative amendment date, prescribed process or 2026 status certification follows. |\n| C_ZA-P02-C006 | Act §31 contemplates application to earlier principal-Act-covered credit agreements, except amending clauses 19, 25, 26, and uses “2018” in its internal Act-name reference. | S001 §31, P41/GG p42. | Credit agreement/Chapter 1 nexus plus commencement. Textual year mismatch must be flagged; no automatic retrospective legal effect or final interpretation claimed. |\n| C_ZA-P02-C007 | Enacted proposed §1 applicant class: natural person or joint-estate persons; specified unsecured-only consumer credit; average gross income ≤ R7,500/month over six preceding months or no income; over-indebted; not sequestrated or subject to an administration order. | S001 Act §1(b), P3/GG p4; adjustment reference §171(2A)(a), P39–41/GG pp40–42. | Applicant and covered agreements at application date; 2019 enacted conditional text, not verified current qualifying criteria. Exact debt and joint-estate classification remain fact-sensitive. |\n| C_ZA-P02-C008 | Proposed §86A(1) sets total unsecured debt ≤ R50,000 or prescribed adjusted amount; §86A(2) excludes §10 developmental credit and, subject to §85(c), agreements where §130 enforcement steps had begun at application. | S001 §86A(1)–(2), P13, P15/GG pp14,16; §85(c), P13. | Affected credit agreements; 2019 conditional text. Later threshold adjustment and commencement unknown. Not a current offer or all-debt eligibility rule. |\n| C_ZA-P02-C009 | Proposed §15A makes the NCR responsible for stated assistance; its CEO/authorized employee may appoint suitable NCR/state employees as officers and issue prescribed certificates, deeming §44 registration only for §15A(1) services. | S001 §15A(1)–(2), P5, P7/GG pp6,8. | NCR and appointed individual; conditional officer appointment, certificate and scope. No private actor, corporate employee or ordinary debt counsellor gains this capacity automatically. Actual appointments/forms unverified. |\n| C_ZA-P02-C010 | Under proposed §86A, an applicant addresses the NCR in prescribed form; NCR uses §86(4),(6), financial-literacy counselling/training and identified participants’ duties. | S001 §86A(1),(3)–(5), P13, P15/GG pp14,16. | NCR/qualifying applicant/credit providers; enacted dependency on operative section and actual prescribed procedure. No public application service verified. |\n| C_ZA-P02-C011 | Proposed §86A(6)(a)–(e) distinguishes rejection, voluntary-arrangement recommendation, prohibited-credit referral, Tribunal restructuring recommendation within five years or prescribed longer period, and §87A referral for insufficient income/assets. | S001 §86A(6)–(8), P15–17/GG pp16–18. | NCR evaluates then recommends/refers; Tribunal/court separately decides where designated. Voluntary consent is not compulsory creditor agreement; no automatic debt reduction. |\n| C_ZA-P02-C012 | Proposed §86A(9) allows affected creditor representations on the §86A(6)(e) referral; §§86A(10)–(11) describe qualified creditor termination/resumption branches. | S001 §86A(9)–(11), P17/GG p18. | Listed credit provider, NCR, Tribunal/court; conditions include the prescribed notice/period and whether matter already filed at Tribunal. No existing protection or calendar deadline inferred. |\n| C_ZA-P02-C013 | Proposed §86A(12) makes subsection (6)(e) effective for 48 months from its own operational start and calls for ministerial review report by 36 months after that start. | S001 §86A(12)(a)–(b), P17/GG p18. | Subsection-specific commencement trigger. No operative trigger date established; cannot date sunset from 2019 publication or assert currently open/expired. |\n| C_ZA-P02-C014 | Proposed §§87(1A) and 87A place specified decisions with NCT; §87A(2) permits conditional 12-month full/partial suspension and one additional 12-month period, with required financial literacy; §87A(5)–(8) controls reassessment and potential extinguishment. | S001 §87(1A), P17–19/GG pp18–20; §87A(1)–(9), P19–23/GG pp20–24. | NCT on NCR referral, with evidence/consideration/order required. Relief is discretionary and conditional, and potential extinguishment is not automatic. Operative status unknown. |\n| C_ZA-P02-C015 | Proposed §§88A–88B govern debt-intervention-related credit effects and rehabilitation; §69A establishes a proposed NCR record. | S001 §69A, P7/GG p8; §§88A–88B, P23–27/GG pp24–28. | NCR, affected consumer/credit providers, Tribunal; formal application/order and prescribed notifications/rehabilitation predicates. Do not equate clearance under existing debt review with this regime. |\n| C_ZA-P02-C016 | Proposed credit-information changes §§70–71A and jurisdiction/referral changes §§137(1A),142(3)(fA) form supporting architecture. | S001 P7–10/GG pp8–11; §§137(1A),142(3)(fA), P31/GG p32. | NCR/credit bureaux/NCT; prescribed filing/recording and hearing roles. Implementation rules, systems, forms and operative status not verified. |\n| C_ZA-P02-C017 | Proposed §171(1)(bA),(bB) requires specified financial-literacy and interest/charge-order regulations; §171(2A)(a)–(e) provides constrained threshold-adjustment/review/approval steps. | S001 §171, P37, P39–41/GG pp38,40–42. | Minister, Finance Minister consultation where stated, National Assembly and Gazette notices where required. Mandatory acts in the text are contingent on commencement; no finalized 2026 implementing/adjustment notice established. |\n| C_ZA-P02-C018 | No later amendment/repeal or operative adjustment governing these 2019 debt-intervention provisions was verified; the dtic-hosted compilation is dated to 2019 GG 42649 and labels 2019 changes pending. | S006 P0, P8–9, P59–60; S001 source replacement; targeted audit. | Bounded currentness limitation, not confirmation of unchanged law or universal 2026 noncommencement. Consolidation provenance is stale relative to withdrawn source. |\n| C_ZA-P02-C019 | August 2025 GoN R.6510 / GG 53154 was a draft NCA regulations amendment addressing credit-information matters, not a presidential Act 7/2019 commencement proclamation or §86A forms instrument. | S009 scanned P0–3/GG pp3–6; S011 P5–7. | Ministerial consultation draft; no operative debt-intervention capacity or commencement follows from publication. |\n| C_ZA-P02-C020 | The specific August 2025 draft was withdrawn in full according to dtic’s 12 Nov 2025 briefing; its scope involved credit information, educational-institution concerns and SMEs. | S011 P1, P6–7/briefing slides 7–8; S010 P01-attributed statement and fresh discovery only. | dtic explanatory/withdrawal status; not repeal of Act 7/2019, not withdrawal of every draft or regulation, and not a private statutory remedy created by the briefing. |\n| C_ZA-P02-C021 | NCR Guideline 001/2026 deals with filing debt-review Form 19 clearance certificates via the CBA platform under existing §71(4); it does not implement or commence §86A. | S012 P0–2, guideline pp1–2. | NCR guidance for participating debt counsellors and credit-bureau process. Changes to its own guidance must not be treated as changing Act §32. Other guideline compliance questions deferred. |\n| C_ZA-P02-C022 | Original NCA §86 uses a debt counsellor for debt review; §87 provides identified Magistrate’s Court orders. Proposed 2019 §86A instead uses the NCR and its new Tribunal/court branches. | S005 §§86–87, PDF P59–61/GG pp118–122; S001 §86A, P13–17/GG pp14–18. | Different statutory routes. Existing debt review does not become §86A intervention merely through rebranding; original-Act text alone does not settle every 2026 debt-review procedural detail. |\n| C_ZA-P02-C023 | Evidence is insufficient to advertise the 2019 intervention as an operating application, guaranteed suspension, eligibility approval or extinguishment benefit, or conclusively to say it never commenced. | S001 §32, §86A, §§87–87A; S003; S013–S016 search bounds; C003. | Research/publishing inference: require actual operative proclamation, any stages/exclusions, implementation instruments and individual predicates before representing the service or benefit as available. |\n| C_ZA-P02-C024 | P01 C032/C045 retain their bounded unknown-status/publication holds but must cite replacement S001 instead of withdrawn P01 S012; C033/C038 remain separate-subject distinctions. | S001 P1 and §32 P41; S002 P0; S004; S005 §§86–87; S009–S012. | Provenance correction and limited claim reconciliation only. Supplied P01 claims are historical records, not freshly re-reviewed P01 source bodies beyond the P02 records listed. No whole-country acceptance. |\n| C_ZA-P02-C025 | Proposed §85(c) lets a court considering an apparently qualifying consumer ask whether the consumer wishes to participate, then refer to NCR or, if sufficiently informed, consider a specified order. | S001 Act §11 inserting NCA §85(c), PDF P13/GG p14. | Court acting within an actual case; applicant choice, qualification and adequate information matter. This is a separate conditional court gateway, not a general private adviser’s power or evidence of present operation. |\n\n## Enactment-to-operation dependency crosswalk\n\nEvery row distinguishes enacted statutory design from proved present operation. Where “missing” appears, it describes this research record, not necessarily the legal system.\n\n| Link | What the 2019 text or official record establishes | What must additionally be proved for operational use | P02 status and claims |\n| --- | --- | --- | --- |\n| 1. Correct enacted publication | S001 replaces S002; assent 13 Aug and Gazette 19 Aug 2019. | Use final Gazette 42653; retain withdrawn 42649 in provenance only. | Answered — C001. |\n| 2. Act-level commencement | §32 requires presidential proclamation fixing operation. | Actual signed/published qualifying presidential proclamation with provision coverage and effective wording. | Statutory trigger answered; instrument unresolved — C002–C003. |\n| 3. Possible commencement staging | Act §32 supplies mechanism, without any P02-verified staging instrument. | For any candidate proclamation, read whether all or only identified sections operate, any exclusion, future date or further condition. | Unresolved — C003. No staged 2019 proclamation was located. |\n| 4. Similar-name proclamation | R.10/2015 explicitly concerns Act 19/2014, §39. | No additional proof needed to exclude it as Act 7/2019 commencement. | Answered — C004. |\n| 5. Pre-commencement transition | §31 addresses earlier agreements except clauses 19,25,26, subject to Chapter 1. | Relevant commencement plus reconciliation of “2018” wording, actual agreement scope and later changes. | Partial — C006. |\n| 6. Applicant definitions | §1: natural person/joint estate, unsecured scope, income, over-indebtedness and status exclusions. | Commencement, any lawful threshold notices, actual applicant facts. | Enacted conditional; operational status unresolved — C007. |\n| 7. Amount and agreement exclusions | §86A(1) R50,000; §86A(2) exclusions and §85(c) qualification. | Commencement, valid adjustment, debt classification and enforcement-stage facts. | Enacted conditional; operational status unresolved — C008. |\n| 8. NCR assistance function | §15A assigns assistance to NCR. | Relevant section operative, institutional capacity and actual prescribed process. | Partial — C009. |\n| 9. Individual officer capacity | §15A(2) permits limited NCR/state-employee appointment and certificate. | Valid appointment/delegation, prescribed certificate and scope; not an ordinary private licence. | Partial — C009. No specific appointments checked. |\n| 10. Court gateway | §85(c) adds conditional judicial referral/order branch. | Operative provision, court case, consent/qualification/information, proper proceeding. | Partial — C025. |\n| 11. NCR application receipt | §86A(1),(3) calls for prescribed submission and assessment. | Operative §86A and actual final forms/method/receiving capacity. | Unresolved operation — C010. |\n| 12. Financial-literacy support | §§15A,86A(5) require assistance/training; §171 requires associated rules. | Actual commenced provisions, applicable finalized rules and delivery mechanisms. | Unresolved operation — C010,C017. |\n| 13. Rejection/voluntary proposal | §86A(6)(a),(b), (7),(8) addresses nonqualification, voluntary routes, court leave. | Actual assessment, application, creditor agreement/Tribunal steps where relevant. | Conditional only — C011. |\n| 14. Tribunal restructuring referral | §86A(6)(d), §87(1A) and §137(1A) confer NCR recommendation/Tribunal determination roles. | All necessary operative sections, Tribunal rules, prescribed forms and hearing. | Conditional only — C011,C014,C016. |\n| 15. §87A relief referral | §86A(6)(e) and §87A provide the suspension/possible extinguishment pathway. | Commencement of subsection (6)(e) specifically, implementing rules, NCR referral and Tribunal adjudication. | Unresolved operation — C011,C013,C014. |\n| 16. Special 48-month period | §86A(12)(a) measures 48 months from (6)(e)’s operational start. | Exact valid operational date and any later lawful amendment; compute from verified trigger. | Trigger rule answered; calendar status unresolved — C013. |\n| 17. 36-month ministerial review | §86A(12)(b) requires impact report within 36 months of the same trigger. | Operational date, actual report/tabling evidence. | Conditional; report not verified — C013. |\n| 18. Suspension and reassessment | §87A(2),(5) assigns Tribunal order and NCR later reassessments. | Operative law, actual order, correct notices, financial facts and review activity. | Conditional only — C014. |\n| 19. Potential extinguishment | §87A(5)–(9) requires reassessment, referral, statutory factors and Tribunal order. | Every predicate and lawful order; no automatic write-off. | Conditional only — C014,C023. |\n| 20. Credit limitations/rehabilitation | §§88A–88B impose conditional consequences and rehabilitation application structure. | Law operative, correct decisions, required forms/orders and facts. | Conditional only — C015. |\n| 21. NCR record and credit bureaux | §§69A,70–71A create records, reporting and notice machinery. | Operative provisions plus prescribed data/filing requirements and actual implementation. | Unresolved operation — C015–C016. |\n| 22. NCT jurisdiction and rules | §§137(1A),142(3)(fA) cover qualifying referrals/consideration. | Commencement, applicable NCT procedural rules, actual referral. | Conditional only — C016. |\n| 23. Financial-literacy/interest regulations | §171(1)(bA),(bB) directs specific ministerial rulemaking. | Identify enacted/published final operative regulations covering these exact subjects. | Rule chain unverified — C017. |\n| 24. Income/debt threshold adjustment | §171(2A)(a)–(e) establishes ministerial Gazette-notice process and qualifications. | Any actual qualifying adjustment notice plus prescribed safeguards, consultation, tabling and approval evidence. | No qualifying current notice established — C007,C008,C017. |\n| 25. 2025 R.6510 candidate | Draft credit-information/SME regulations published in GG53154. | Not interchangeable with §§86A/171 implementing regulations. | Excluded as different draft; withdrawn — C019–C020. |\n| 26. 2026 NCR guideline candidate | Guideline 001/2026 addresses Form 19 clearance through CBA. | Does not satisfy §32 or §86A application/form provisions. | Excluded as different process — C021. |\n| 27. Historic plans and systems | NCR 2022 and NCT 2024 draft describe preparation/prospective change. | Commencement Gazette and implemented procedure; planning is not enough. | Dated contextual evidence — C005. |\n| 28. Later law/current compilation | Historical dtic consolidation marks amendments pending but relies on 42649. | Authoritative current amendment/repeal and commencement reconciliation through research date. | Unresolved currentness — C018. |\n| 29. Existing debt review | Original §§86–87 provide debt counsellor/Magistrate’s Court route. | Do not substitute proposed §86A; current procedural details reviewed separately. | Boundary answered, larger review deferred — C022. |\n| 30. Publication authorization | Neither the new process’s valid commencement nor all dependencies are proved here. | Official complete chain and independent editorial/counsel verification of consequences. | Hold — C023–C024. |\n\n## Targeted P01 old-to-new disposition\n\nThese are the four supplied actual claim rows being reconciled. No other P01 claim is implicitly reopened.\n\n| P01 claim | Supplied P01 proposition and original support | P02 primary evidence and precise correction | Disposition |\n| --- | --- | --- | --- |\n| C_ZA-C032 | Act 7/2019 §32 requires presidential proclamation; publication in August 2019 does not commence it; no qualifying proclamation established in P01 on 26 Oct 2026. Original support: P01 S012 §§31–32, withdrawn GG42649 PDF P40/GG p42; P01 S011 government metadata. | P02 S001 §32, PDF P41/GG p42 verifies the same operative wording in replacement GG42653; S001 P1 records express withdrawal of GG42649. P02 S003 confirms official attachment identity. P02 search did not establish the further presidential instrument. P02 C001–C003. | Retained with source-provenance correction. The unknown-status conclusion remains bounded. Replace the controlling S012 citation with S001, retain S012 as withdrawn historical source. |\n| C_ZA-C045 | Do not advertise the 2019 intervention as an operating statutory benefit without independently established commencement and procedures. Original support: P01 S012 §32; S011 metadata. | Replacement P02 S001 §§15A,86A–87A,171,32 details additional service dependencies; P02 S003 is metadata, not proclamation. P02 C002–C003,C009–C017,C023. | Retained and made more specific. Withhold availability, automatic relief, current eligibility thresholds and sunset-date claims. Not a determination of permanent noncommencement. |\n| C_ZA-C038 | Statutory debt review uses NCA §§86–87, distinguishable from private voluntary workout. Original support: P01 S001 §§86–87, S002 amended §86, S013 PDF P6–8; P01 exact source URLs were not supplied in this handoff. | Fresh P02 S005 §§86–87, P59–61/GG pp118–122 establishes original statutory route; P02 S001 §86A P13–17/GG pp14–18 establishes distinct proposed NCR pathway; §85(c) adds a conditional court connection. P02 C022,C025. | Retained within P01 limits; scope clarified. No claim that the entire §§86–87 regime was newly consolidated/recertified through 2026. |\n| C_ZA-C033 | The specific August 2025 credit-information-related draft was withdrawn, without global effect on unrelated NCA regulations. Original support: P01 S021 briefing P1/P4–7 and S036 ministerial HTML statement. | Fresh P02 S009 GG53154/R.6510 P0–3 identifies the draft’s actual subject; S011 P6–7 expressly reports withdrawal of that draft as a whole; S010 press statement remains P01-attributed, fresh full fetch unsuccessful. P02 C019–C021. | Retained, narrowly. No change to the 2019 Act’s enactment/commencement status. |\n\nCorrection rule: P02 does not silently overwrite P01. The original P01 source identifier and source-access attribution remain in history; a future consolidated report should show P01 S012 (withdrawn) → P02 S001 (replacement) explicitly.\n\n## Worked status-classification examples\n\nThe examples below are invented evidentiary situations, not actual consumers, providers, proclamations, applications or decisions. They test what a researcher may truthfully write. No fictional Gazette number, effective date or actual transaction is implied.\n\n### Example 1 — Published Act, no commencement instrument in the evidence file\n\nAssumed documents: A researcher possesses replacement GG42653 and the official Act landing page, but no verified presidential proclamation or subsequent implementation regulations.\n\nTest: GG42653 proves assent, publication and statutory design. Section 32 independently requires a presidential proclamation. The landing page states that requirement but does not supply the implementing instrument.\n\nPermissible statement: “The 2019 debt-intervention amendment was enacted; its operative commencement was not established by the available evidence.”\n\nAdverse branch: If a later authoritative Gazette proclamation is located, the researcher must inspect its exact Act identity, provision coverage, operative date, exclusions and any later alteration. The earlier absence-of-proof report must then be updated; it cannot be defended as a claim of permanent noncommencement.\n\nMissing document: Relevant proclamation plus commencement/currentness reconciliation. C001–C003,C023.\n\n### Example 2 — Hypothetical staged commencement; one section operative, another withheld\n\nPurely hypothetical assumed instrument: Suppose a future authenticated proclamation, with no invented identifier or calendar date here, expressly commences the provisions establishing NCR administrative preparation but reserves §86A(6)(e) and §87A for a later proclamation.\n\nTest: Do not infer that every part of the 2019 intervention is available just because one related section has commenced. Read the proclamation section by section, together with later instruments. The §86A(12) 48-month clock specifically depends on the operational start of §86A(6)(e), not the date of any other provision’s commencement.\n\nPermissible statement: “Only the sections expressly brought into operation by the verified instrument have been shown to commence; the §86A(6)(e)/§87A suspension and possible extinguishment route remains unestablished.”\n\nAdverse branch: If a later proclamation separately commences §86A(6)(e), recalculate the branch’s validity from that verified trigger, test amendments and complete prescribed processes. A staged proclamation alone still would not guarantee any Tribunal order or private application service.\n\nMissing documents: Real staged proclamation, subsequent commencement for excluded sections, any applicable finalized procedures. C002,C009–C017,C023.\n\n### Example 3 — An unrelated draft or current guideline is presented as proof\n\nAssumed assertion: A publisher cites the August 2025 Gazette credit-information draft or the NCR’s February 2026 Form 19 guideline to claim that 2019 debt intervention is operating.\n\nTest: Inspect the instruments’ titles, issuing authorities, powers invoked and operative bodies. The August document proposes changes to regulations concerning credit information and was subsequently withdrawn. The February guideline describes an existing debt-review clearance-certificate platform. Neither is a presidential proclamation under Act 7/2019 §32 or the complete implementation of §86A.\n\nPermissible statement: “These documents concern separate NCA regulation and clearance processes and do not establish commencement of the 2019 debt-intervention scheme.”\n\nAdverse branch: Even if a later version of the credit-information rules is finalized, the resulting instrument would have to expressly satisfy the specific missing statutory dependency before being relevant; the label “National Credit” is insufficient.\n\nMissing documents: An actual §32 commencement proclamation and, if necessary, §86A/§171 final implementing instruments. C002–C003,C019–C023.\n\n### Example 4 — The statutory 48-month rule is mistaken for a 2019–2023 calendar window\n\nAssumed assertion: “The law was published in 2019, so the 48-month debt-intervention provision expired four years later.”\n\nTest: The text identifies the date §86A(6)(e) becomes operational as the trigger. It does not say the clock begins with assent or publication.\n\nPermissible statement: “The enacted subsection specifies a 48-month duration beginning on its verified operational date; that date, any later modifying law and resulting current validity remain unresolved.”\n\nAdverse branch: If proof establishes a valid commencement date T, the period must be analyzed using T + 48 calendar months, the exact operative wording and later changes—not the 2019 publication date. This symbolic expression is not an actual expiry date or eligibility decision.\n\nMissing documents: Specific operational commencement and later-law review. C013,C018,C023.\n\n## Granular coverage ledger\n\nCoverage statuses apply only to this P02 narrow commencement-and-implementation assignment. They do not revise P01’s 94-row country/provider coverage ledger.\n\n### G1 — Enactment, commencement, provenance and currentness\n\n| Row | Status | Substantive finding and location; claim IDs | Missing evidence and exact next focused action |\n| --- | --- | --- | --- |\n| G1-01 Final 2019 enactment | answered | G1 ¶1; source S001. C_ZA-P02-C001. | None for replacement-source identity. |\n| G1-02 Assent versus Gazette publication | answered | G1 ¶1–2. Assent 13 Aug; publication 19 Aug 2019. C_ZA-P02-C001,C002. | None for historical dates; do not treat either as commencement. |\n| G1-03 Statutory commencement mechanism | answered | G1 ¶2; §32. C_ZA-P02-C002. | None for the mechanism; actual proclamation separately unresolved. |\n| G1-04 Locate 2019 Act presidential proclamation | unresolved | G1 ¶3; no verified operative instrument in bounded search. C_ZA-P02-C003. | Retrieve signed/published Act 7/2019 proclamation from an authoritative complete Gazette/Presidency register. |\n| G1-05 Possible staged commencement | unresolved | Crosswalk links 2–3. C_ZA-P02-C002,C003. | Obtain real proclamation(s); examine enumerated sections, exclusions, stages and later changes. |\n| G1-06 Exact operative date/trigger | unresolved | G1 ¶2–3. C_ZA-P02-C002,C003. | Read proclamation’s operative words; distinguish instrument issuance, publication and commencement dates. |\n| G1-07 False-positive 2015 proclamation | answered | G1 ¶4; S004 applies to 2014 Act. C_ZA-P02-C004. | None for exclusion of this particular candidate. |\n| G1-08 Government Act listing interpretation | answered | G1 ¶3; S003 provides attachment and commencement mechanism, not operative date. C_ZA-P02-C002,C003. | Do not infer date from metadata; find primary proclamation. |\n| G1-09 GPW 2016–2020 archive | partial | S016 index opened; no issue-level results reviewed. C_ZA-P02-C003. | Conduct actual Gazette issue/full-text search, particularly 19 Aug 2019–31 Dec 2020. |\n| G1-10 GPW 2021–2024 archive | partial | S015 archive landing read. C_ZA-P02-C003. | Search published proclamations/commencement notices across 2021–2024. |\n| G1-11 GPW 2025–2026 archive | partial | S014 landing read. C_ZA-P02-C003. | Search issues through 27 Oct 2026 SAST; inspect actual returned notice bodies. |\n| G1-12 Government notices catalogue failure | unresolved | S013 timed out; official search surfaced 2015 candidate separately resolved. C_ZA-P02-C003,C004. | Obtain working official catalogue or Gazette search export; do not infer exhaustiveness. |\n| G1-13 NCR historical preparation | answered | G1 ¶5; NCR 2022/23 plan reports preparation. C_ZA-P02-C005. | For current status, obtain newer implementation statement or, preferably, operative Gazette chain. |\n| G1-14 NCT historical forward planning | answered | G1 ¶5; 2024/25 document is revised draft with prospective wording. C_ZA-P02-C005. | Locate adopted later plans if useful; institutional statements cannot replace proclamation. |\n| G1-15 §31 transition and “2018” mismatch | partial | G1 ¶6; source text and exclusions established. C_ZA-P02-C006. | Reconcile text through official later legislative history/current source and proved commencement before publishing legal effect. |\n| G1-16 Later amendments, repeal or threshold notices | unresolved | G1 ¶7; stale consolidation expressly noted. C_ZA-P02-C017,C018. | Complete official post-2019 amendment, repeal, §171 Gazette-notice and commencement checks. |\n\n### G2 — Statutory service dependencies and actors\n\n| Row | Status | Substantive finding and location; claim IDs | Missing evidence and exact next focused action |\n| --- | --- | --- | --- |\n| G2-01 Natural person/joint-estate applicant | partial | G2 “Applicant and agreement perimeter”; prospective definition established. C_ZA-P02-C007. | Commencement and case-specific natural-person/joint-estate/consumer classification. |\n| G2-02 Six-month income criterion | partial | 2019 text says average gross income ≤ R7,500/month, with adjustment mechanism. C_ZA-P02-C007,C017. | Current notice, commencement and actual income evidence; no present eligibility conclusion. |\n| G2-03 Unsecured debt and exclusions | partial | R50,000 enacted figure; §10 developmental and §130 enforcement exclusions with §85(c) branch. C_ZA-P02-C008. | Operative thresholds, actual covered agreements and enforcement-stage facts. |\n| G2-04 NCR receipt and assessment | partial | G2 “Who receives”; §86A design established. C_ZA-P02-C010. | Commencement, final prescribed application route/forms and institutional implementation. |\n| G2-05 NCR/state officer appointment power | partial | G2 “Who could act”; §15A(2). C_ZA-P02-C009. | Operative section, actual appointments/delegations and authorized duties. |\n| G2-06 Officer certificate and limited deeming | partial | Only §15A(1) service-specific deemed §44 registration. C_ZA-P02-C009. | Prescribed certificate, actual designation; no universal private credential. |\n| G2-07 NCR outcomes and Tribunal referrals | partial | Distinct §86A(6) branches detailed in G2. C_ZA-P02-C011. | Operative sections, final procedures, assessment and valid referral. |\n| G2-08 Creditor representations/termination | partial | §86A(9)–(11) conditions read. C_ZA-P02-C012. | Prescribed methods/periods and actual filing/notice facts; procedural specifics deferred. |\n| G2-09 Court’s §85(c) gateway | partial | Court may inquire, refer or determine under stated conditions. C_ZA-P02-C025. | Commencement, actual case posture and adequate information; no general adviser authorization. |\n| G2-10 Tribunal rearrangement | partial | §87(1A) on NCR recommendation, not automatic. C_ZA-P02-C011,C014. | Operative Tribunal power/rules and actual order. |\n| G2-11 Suspension and extinguishment | partial | §87A allows conditional suspension, later reassessment and possible order. C_ZA-P02-C014. | Commencement, operative §86A(6)(e), prescribed process and Tribunal order. |\n| G2-12 48-month and 36-month statutory triggers | answered | Exact relative wording in G2; §86A(12). C_ZA-P02-C013. | No missing evidence for statutory wording; dates separately unresolved. |\n| G2-13 Whether the 48-month branch is currently open or expired | unresolved | No operational start for §86A(6)(e) established. C_ZA-P02-C003,C013,C018. | Obtain trigger and subsequent amendment status; compute only then. |\n| G2-14 Records/credit information and Tribunal jurisdiction | partial | G2 linked provisions; §§69A,70–71A,137,142. C_ZA-P02-C015,C016. | Effective instruments, detailed final rules and system operations. |\n| G2-15 Credit restrictions and rehabilitation | partial | Proposed §§88A–88B identified. C_ZA-P02-C015. | Actual commencement, forms, decisions and complete outcome predicates. |\n| G2-16 §171 regulations, threshold notices and forms | unresolved | Necessary rulemaking roles/constraints identified. C_ZA-P02-C017. | Identify every operative regulation, notice and form for relevant branches; check later versions. |\n| G2-17 Existing §§86–87 versus §86A | answered | G2 final paragraph; original NCA §§86–87 read and distinct architecture established. C_ZA-P02-C022. | Comprehensive current debt-review effects, procedural rules and eligibility remain outside P02. |\n\n### G3 — Source-family conflicts\n\n| Row | Status | Substantive finding and location; claim IDs | Missing evidence and exact next focused action |\n| --- | --- | --- | --- |\n| G3-01 August 2025 draft identity | answered | G3 first bullet; GG53154/R.6510. C_ZA-P02-C019. | None for identifying it as a different draft family. |\n| G3-02 Draft body visually read | answered | S009 all four PDF pages inspected; credit-information scope. C_ZA-P02-C019. | No full broader regulatory analysis; OCR limitations recorded. |\n| G3-03 Withdrawal status | answered | G3 second bullet; dtic P7 briefing says draft withdrawn in entirety. C_ZA-P02-C020. | Formal withdrawal Gazette, if one was published, not separately established; official explanatory status is bounded. |\n| G3-04 Educational-institution rule nuance | answered | dtic briefing says regulation 18(7)(e) was not itself a new draft insertion. C_ZA-P02-C020. | Actual existing rule’s complete 2026 effect deferred; no debt-intervention implication. |\n| G3-05 NCR February 2026 guideline identity | answered | G3 third bullet; existing Form 19/CBA process. C_ZA-P02-C021. | Full clearance rules and guidance implementation deferred. |\n| G3-06 Debt-counsellor training versus debt-intervention officer training | partial | Guideline training/onboarding is CBA clearance-platform training, not §15A officer certification. C_ZA-P02-C009,C021. | Actual §15A prescribed certificate/training regime unverified; separate professional training work deferred. |\n| G3-07 Cross-family commencement conflation | answered | None of S009–S012 is a §32 presidential commencement proclamation. C_ZA-P02-C019–C021,C023. | Any future document must be classified by exact enabling section and operative words. |\n\n### G4 — P01 corrections and publication disposition\n\n| Row | Status | Substantive finding and location; claim IDs | Missing evidence and next action |\n| --- | --- | --- | --- |\n| G4-01 P01 C032 | answered | Targeted disposition row 1. C_ZA-P02-C001–C003,C024. | Update controlling citation to replacement Gazette; preserve unknown commencement. |\n| G4-02 P01 C045 | answered | Disposition row 2. C_ZA-P02-C023,C024. | Maintain benefit/operational publication hold until verified chain. |\n| G4-03 P01 C038 | answered | Disposition row 3. C_ZA-P02-C022,C024,C025. | Preserve debt-review/private-workout distinctions; no full review rerun. |\n| G4-04 P01 C033 | answered | Disposition row 4. C_ZA-P02-C019–C021,C024. | Limit withdrawal to identified August draft; other rules separate. |\n| G4-05 Withdrawn P01 source | answered | S012 original → P02 S002 historical; S001 controlling. C_ZA-P02-C001,C024. | Record explicit provenance correction in any later merged library. |\n| G4-06 Allowed and withheld copy | answered | G4 publication rule. C_ZA-P02-C003,C023,C024. | Obtain operative chain before removing hold or displaying current thresholds/benefits. |\n| G4-07 Coordinator review and acceptance boundary | answered | P02 researcher reconciliation only. C_ZA-P02-C024. | Separate coordinator review, fresh sources, arithmetic and broader P01 acceptance remain necessary. |\n\n### Deferred P01 and whole-country subjects — unchanged holds\n\nFor these rows, `excluded_with_reason` means the subject is deliberately not resolved in P02. C_ZA-P02-C024 identifies the scope-preservation decision; it is not evidence proving any underlying legal position.\n\n| Row | Status | Preserved subject and finding location | Exact next focused question |\n| --- | --- | --- | --- |\n| D01 | excluded_with_reason | General commercial debtor-paid negotiation/advice authorization outside the 2019 scheme. G4 scope hold; C_ZA-P02-C024. | For each service and remuneration model, what existing NCA/professional/other permission applies? |\n| D02 | excluded_with_reason | Free, nonprofit, charity, consumer-organization exceptions. C_ZA-P02-C024. | What actual statutory exception attaches to each activity and entity? |\n| D03 | excluded_with_reason | Attorney/advocate/accountant and professional practice. C_ZA-P02-C024. | What reserved activity, professional authority and capacity limits apply? |\n| D04 | excluded_with_reason | Company/individual/employee credential and trade name. C_ZA-P02-C024. | Does the proposed arrangement rely on personal NCR registration, corporate conduct or statutory appointment? |\n| D05 | excluded_with_reason | Creditor, debt collector, purchaser, servicer and agency mandates. C_ZA-P02-C024. | Which actor owns the claim, collects for another, or represents the debtor, and under which law? |\n| D06 | excluded_with_reason | Referrer, affiliate, software and data-processor roles. C_ZA-P02-C024. | When do actual functions cross into regulated advice, debt counselling or handling funds? |\n| D07 | excluded_with_reason | Payment distribution agents, transfer execution and financial/payment permissions. C_ZA-P02-C024. | Who possesses/controls funds and what actual designated permission governs that flow? |\n| D08 | excluded_with_reason | Foreign/remote provider-to-resident nexus. C_ZA-P02-C024. | What establishes South African regulatory or professional nexus for remote services? |\n| D09 | excluded_with_reason | Consumer fee earning, timing, caps, refund and cancellation. C_ZA-P02-C024. | Which fee provisions apply to each actual service/actor, and when are they triggered? |\n| D10 | excluded_with_reason | Provider contracts, disclosures, marketing, representations and consent. C_ZA-P02-C024. | Which operative contract/conduct rules govern the actual service? |\n| D11 | excluded_with_reason | Client money, trust and safeguarding. C_ZA-P02-C024. | What funds-control arrangement exists, and which exact statutory safeguard applies? |\n| D12 | excluded_with_reason | Complaints, regulator and private remedies/redress. C_ZA-P02-C024. | Which authority/remedy follows each proved violation and each procedural prerequisite? |\n| D13 | excluded_with_reason | Full credit-product and NCA agreement classification. C_ZA-P02-C024. | Which agreements, purposes, parties, thresholds and exceptions fall under each applicable Part? |\n| D14 | excluded_with_reason | Collection validation, creditor disputes and negotiation evidence. C_ZA-P02-C024. | What debtor/collector records and rights exist for each claim type? |\n| D15 | excluded_with_reason | Prescription/limitation, interruption and revival. C_ZA-P02-C024. | Which obligation and statutory/common-law interruption acts control the limitation clock? |\n| D16 | excluded_with_reason | Credit reporting and clearance consequences. C_ZA-P02-C021,C024. | What current NCA/regulatory/reporting rules apply beyond the narrow source-identity finding? |\n| D17 | excluded_with_reason | Court procedure, service, default, judgment, attachment and enforcement exemptions. C_ZA-P02-C024. | What operative court rule, forum and debtor/property facts control each remedy? |\n| D18 | excluded_with_reason | Secured debt, mortgage, repossession and security release. C_ZA-P02-C007,C024. | What rights attach to each security, separate from an unsecured-only proposed §86A applicant class? |\n| D19 | excluded_with_reason | Rent and housing obligations. C_ZA-P02-C024. | Which tenancy, local, judicial and contract regime governs the particular obligation? |\n| D20 | excluded_with_reason | Medical bills, utilities, support, fines, taxes and government/priority debts. C_ZA-P02-C024. | What sector-specific authority applies and does the claim constitute a covered credit agreement? |\n| D21 | excluded_with_reason | Administration orders, sequestration, liquidation, business rescue and statutory actors. C_ZA-P02-C007,C024. | What separate capacity, appointing body and debt-relief consequence arises for each statutory process? |\n| D22 | excluded_with_reason | Full existing debt-review eligibility, forms, orders, effects, fees and discharge. C_ZA-P02-C022,C024. | What is the current full §§86–87/related regulation pathway for a specified case? |\n| D23 | excluded_with_reason | Public/nonprofit assistance and access routes. C_ZA-P02-C024. | Which genuinely available public programs and capacity conditions are officially verified? |\n| D24 | excluded_with_reason | Tax consequences and fiscal treatment of debt reduction. C_ZA-P02-C024. | What South African revenue statute applies to the particular borrower/debt/transaction? |\n| D25 | excluded_with_reason | Foreign creditor, assets, currency, judgments, applicable law, recognition and moving abroad; A098. C_ZA-P02-C024. | Which domestic/private-international-law nexus and foreign fact control each issue? |\n| D26 | excluded_with_reason | Municipal, local, customary, sectoral and institutional variations. C_ZA-P02-C024. | What actual local rule or competent body affects the identified provider/debt/activity? |\n| D27 | excluded_with_reason | Eastern Cape provincial/local register not examined in P02. C_ZA-P02-C024. | Is there a specifically relevant provincial/local authority, and what enacted provision gives it power? |\n| D28 | excluded_with_reason | Free State provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test; do not infer a licence. |\n| D29 | excluded_with_reason | Gauteng provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D30 | excluded_with_reason | KwaZulu-Natal provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D31 | excluded_with_reason | Limpopo provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D32 | excluded_with_reason | Mpumalanga provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D33 | excluded_with_reason | Northern Cape provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D34 | excluded_with_reason | North West provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D35 | excluded_with_reason | Western Cape provincial/local register not examined in P02. C_ZA-P02-C024. | Same province-specific authority and enabling-text test. |\n| D36 | excluded_with_reason | Other countries’ provider law, enforcement and debt solutions. C_ZA-P02-C024. | Independent original-jurisdiction research; no transfer or adoption of foreign findings. |\n| D37 | excluded_with_reason | Full South African country report, A097/A098 acceptance and all P01 non-G1–G4 issues. C_ZA-P02-C024. | Coordinator reopens P01’s full independent evidence, resolves remaining gaps and separately decides acceptance. |\n\n## Search and read audit\n\n### Official repositories and actual bounds\n\n| Repository / access route | What was actually retrieved or searched | Result and limit |\n| --- | --- | --- |\n| gov.za Acts/Gazettes | Direct final and earlier 2019 PDFs; Act listing; searches for `Act 7 of 2019`, `commencement`, `debt intervention`, `proclamation` and related wording. | Verified 42653 replacing 42649 and §32. No qualifying 2019 commencement instrument established. Not a full-Gazette enumeration. |\n| gov.za Notices catalogue | Title-sorted official indexed results and direct catalogue fetch. | Discovered same-name 2015 candidate; direct candidate-index retrieval timed out. Full 2015 P10 read separately and ruled out. |\n| Government Printing Works | Official site and 2016–2020, 2021–2024, 2025–2028 Gazette archive entry pages. | Archive year pages opened but displayed only search interfaces, not an exhaustive record export or actual responsive issue list. No claim every issue was searched. |\n| Presidency / official proclamation-focused web queries | Restricted official-domain searches for 2019 Act title, Act number, commencement and debt intervention. | No qualifying post-2019 presidential proclamation body surfaced. Presidency’s complete proclamation register was not independently enumerated. |\n| dtic | Historic NCA consolidation, NCR 2022 plan, NCT 2024 revised draft, 2025 ministerial statement discovery and full 2025 parliamentary briefing. | Dated planning/policy evidence; confirmed withdrawal of a different draft; no 2019 §32 proclamation. One HTML statement repeatedly inaccessible by direct fetch, so no fresh full-body certification of it. |\n| NCR | February 2026 Guideline 001/2026. | Fresh body read; clearly existing Form 19 clearance process, not §86A commencement. Broader NCR registers not exhaustively surveyed. |\n| Department of Justice | Official hosted original National Credit Act 34/2005 §§86–87. | Confirms historic statutory debt-review actor/process distinction; not a current full consolidation. |\n| NCT / parliamentary material | Institutional planning text and targeted official search for debt-intervention implementation. | Prospective planning statement; no authoritative new operative §86A referral rule, effective regulation or Tribunal mechanism verified. |\n\nRepresentative bounded search strings included:\n\n- `site:gov.za \"National Credit Amendment Act 7 of 2019\" \"commencement\" \"Proclamation\"`\n- `site:gov.za/sites/default/files/gcis_document \"National Credit Amendment Act, 2019\" \"proclamation\"`\n- `site:gov.za \"debt intervention\" \"Act 7 of 2019\" proclamation commencement`\n- `site:gpwonline.co.za \"National Credit Amendment Act\" proclamation`\n- `site:thedtic.gov.za \"debt intervention\" \"2025\" implementation`\n- `site:ncr.org.za \"debt intervention\" \"2026\" \"National Credit\"`\n- `site:thenct.org.za \"National Credit Amendment Act\" \"2025/26\"`\n- `site:parliament.gov.za \"National Credit Amendment Act\" \"debt intervention\" \"2025\"`\n- `site:gov.za \"section 86A\" \"2025\" credit`\n- `site:gov.za \"amendment of section 86A\" \"2026\"`\n\nThe search was directed at 2019 through the research cutoff of 27 October 2026 SAST, including the exact-number/title combination and likely implementing bodies. It was not a certified, exhaustive search of every Gazette, gazette supplement, legislative update, court interpretation or institutional archive.\n\n### Unresolved primary candidates and prioritized retrieval\n\n1. Presidential proclamation for Act 7 of 2019 under §32. This is the highest-priority missing item. Search the official complete Gazette records for the Act’s exact title and number; record any proclamation number, Gazette, signature, publication, sections and effective dates.\n\n2. Any later presidential proclamation varying or staging the 2019 commencement. Compare its precise scope with §86A(6)(e), §87A, §15A and §171. A document bringing one section into force cannot be presumed to bring all the others into force.\n\n3. Final debt-intervention-specific implementing regulations, forms and notices. Test the enabling statutory section: §§15A,86A,87A,88B,137,142 and 171. Distinguish real final rules from proposed, unrelated or historical regulations.\n\n4. Threshold-adjustment instruments under proposed §171(2A). Establish the actual Gazette notice and satisfaction of applicable approval/reporting predicates before showing anything other than the original 2019 figures labelled “enacted, operative status unverified.”\n\n5. Later amendments or repeals to Act 7/2019 or the affected NCA provisions. A dated historic consolidation, especially one based on the withdrawn Gazette, cannot close currentness.\n\n6. An authoritative recent NCR/NCT implementation notice, if published. This can corroborate implementation, but cannot replace legal proof of commencement.\n\nNo application form, licence, provider or borrower was searched or submitted. No agency was contacted and no records request made.\n\n## Researcher self-check and publication controls\n\n| Check | Outcome |\n| --- | --- |\n| Final Gazette versus withdrawn Gazette | Resolved: S001 final 42653; S002 historical 42649. |\n| Assent/publication versus commencement | Separated: C001 versus C002–C003. |\n| 2015 same-title proclamation | Resolved: applies to 2014 Act, not 2019. |\n| 48-month sunset | Correct trigger: operation of §86A(6)(e), not 2019 publication. No actual expiration date asserted. |\n| R7,500 and R50,000 | Enacted conditional numbers only. Not published as current eligibility limits. |\n| Suspension/extinguishment | Conditional Tribunal powers only. No present automatic relief claim. |\n| NCR employee versus private counsellor | Capacity limited by proposed §15A text; no appointment inferred. |\n| 2025 draft withdrawal | Specific to the identified draft. Not generalized. |\n| 2026 clearance guidance | Separate existing debt-review process. Not commencement. |\n| Current-source completeness | Not established. Gazette search and later amendment/rule verification remain incomplete. |\n| Independent review | None claimed. This is the researcher's own crosscheck, not coordinator sign-off. |\n| Files/sites/actions | None created, saved or changed. This answer is the complete visible P02 record. |\n\n### Displayed register counts\n\n- 16 P02 source rows: C_ZA-P02-S001–S016.\n- 25 P02 atomic claim rows: C_ZA-P02-C001–C025.\n- 30 enactment-to-operation crosswalk rows.\n- 4 P01 old-to-new disposition rows.\n- 4 worked status-classification examples.\n- 84 coverage rows: G1 16 + G2 17 + G3 7 + G4 7 + deferred D 37.\n\nThese counts refer to actually displayed rows in this response, not to an external file, hidden dataset or claimed coordinator acceptance.\n\n### Evidence-grounded next publishing opportunity\n\nA limited article or verification tool could safely explain “What is the difference between South Africa’s existing debt review and the 2019 debt-intervention amendments?” It should show a dated source trail, the 2019 enacted pathway as conditional, a prominently visible unresolved-commencement warning, and the exact documents required before a current-availability statement can be made.\n\nIt must not solicit applications for the unverified 2019 scheme, calculate assured eligibility or savings, suggest a new private authorization, or state that a debt will be suspended or extinguished.\n\nFinal P02 disposition: Source provenance materially improved; the P01 unknown-operative-status safeguard remains justified as a bounded research conclusion. The remaining official proclamation and implementation chain prevents current-benefit publication. A097, A098, the broad South African country root and overall P01 acceptance remain held.\n\nEND C_ZA PASS-02\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Question","Narrow result"],["Was Act 7 of 2019 enacted and officially published?","Yes. The replacement Gazette 42653 was freshly read. C001."],["Does the Act commence automatically on assent or publication?","No. Section 32 specifies presidential proclamation. C002."],["Was a qualifying 2019 Act commencement proclamation established through the research cutoff?","No instrument established in the bounded search. Its operative status remains unresolved, not affirmatively disproved. C003."],["Does Proclamation R.10 of 2015 answer that question?","No. It commenced Act 19 of 2014, a different amendment. C004."],["Do the identified 2025 draft withdrawal or 2026 NCR guideline commence debt intervention?","No. They concern different instruments and procedures. C019–C021."],["Can the 2019 debt-intervention benefits be described as operational today?","Not on the established evidence. Publication remains on hold pending the actual commencement and implementation chain. C023."]]},{"headers":[],"index":1,"links":[{"href":"https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf"},{"href":"https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019?utm_source=chatgpt.com","text":"https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"},{"href":"https://www.justice.gov.za/mc/vnbp/act2005-034.pdf?utm_source=chatgpt.com","text":"https://www.justice.gov.za/mc/vnbp/act2005-034.pdf"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf"},{"href":"https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf"},{"href":"https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf"},{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf?utm_source=chatgpt.com","text":"https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf"},{"href":"https://www.gov.za/documents/notices?order=title&page=1095&sort=asc&utm_source=chatgpt.com","text":"https://www.gov.za/documents/notices?order=title&page=1095&sort=asc"},{"href":"https://www.gpwonline.co.za/government-gazettes-4/?utm_source=chatgpt.com","text":"https://www.gpwonline.co.za/government-gazettes-4/"},{"href":"https://www.gpwonline.co.za/government-gazettes-3/?utm_source=chatgpt.com","text":"https://www.gpwonline.co.za/government-gazettes-3/"},{"href":"https://www.gpwonline.co.za/government-gazettes-2/?utm_source=chatgpt.com","text":"https://www.gpwonline.co.za/government-gazettes-2/"}],"row_links":[[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf"}],[{"href":"https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019?utm_source=chatgpt.com","text":"https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"}],[{"href":"https://www.justice.gov.za/mc/vnbp/act2005-034.pdf?utm_source=chatgpt.com","text":"https://www.justice.gov.za/mc/vnbp/act2005-034.pdf"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf?utm_source=chatgpt.com","text":"https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf"}],[{"href":"https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf?utm_source=chatgpt.com","text":"https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf"}],[{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf?utm_source=chatgpt.com","text":"https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf"}],[{"href":"https://www.gov.za/documents/notices?order=title&page=1095&sort=asc&utm_source=chatgpt.com","text":"https://www.gov.za/documents/notices?order=title&page=1095&sort=asc"}],[{"href":"https://www.gpwonline.co.za/government-gazettes-4/?utm_source=chatgpt.com","text":"https://www.gpwonline.co.za/government-gazettes-4/"}],[{"href":"https://www.gpwonline.co.za/government-gazettes-3/?utm_source=chatgpt.com","text":"https://www.gpwonline.co.za/government-gazettes-3/"}],[{"href":"https://www.gpwonline.co.za/government-gazettes-2/?utm_source=chatgpt.com","text":"https://www.gpwonline.co.za/government-gazettes-2/"}]],"rows":[["Source ID","Issuer, full title and complete direct URL","Exact relevant pinpoint; printed page vs. PDF index","Status, scope, access and actual reading limit"],["C_ZA-P02-S001","Presidency / Government Gazette, National Credit Amendment Act 7 of 2019, GG 42653, GoN 1086, 19 Aug 2019. https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf","PDF P1 / GG p2: assent and replacement notice. P3–5 / GG pp4–6: definitions. P5,7 / GG pp6,8: §15A. P13–17 / GG pp14–18: §§85–86A. P17–23 / GG pp18–24: §§87–87A. P23–27 / GG pp24–28: §§88A–88B. P31 / GG p32: §137. P37–41 / GG pp38–42: §171, §§31–32.","Fresh body read 26 Oct PDT / 27 Oct UTC. Final published 2019 replacement enactment; 44 PDF pages. Enacted statute, but commencement by proclamation unverified. Relevant English body and selected adjacent qualifications read; not a full current consolidated-law or amendment-citator audit. \ngov.za"],["C_ZA-P02-S002","Presidency / Government Gazette, earlier National Credit Amendment Act 7 of 2019, GG 42649, GoN 1081, 19 Aug 2019. https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf","PDF P0 / GG p2: apparent assent 27 June 2017. PDF P40 / GG p42: §§31–32. Replacement established by S001 P1/GG p2.","Fresh historical body read, 26 Oct PDT / 27 Oct UTC; 42 PDF pages. Withdrawn/replaced by S001. Used only to document the P01 source discrepancy and historical wording, never as the controlling final 2019 publication. \ngov.za"],["C_ZA-P02-S003","South African Government, National Credit Amendment Act 7 of 2019 (English / isiZulu), legislative record. https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019","HTML: Act attachment 42653 and “Commencement” field. PDF index inapplicable.","Fresh HTML body read, 26 Oct PDT / 27 Oct UTC. Official legislative metadata pointing to S001. Repeats the §32 mechanism, not an identified proclamation or independently determined effective date. \nSouth African Government"],["C_ZA-P02-S004","President / Government Gazette, Commencement of the National Credit Amendment, 2014 (Act 19 of 2014), Proclamation R.10 of 2015, GG 38557, 13 Mar 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Entire single-page proclamation: PDF P0 / GG p3; heading, reference to 2014 Act §39, commencement on proclamation publication.","Fresh complete body read and page image inspected, 26 Oct PDT / 27 Oct UTC. Operative for Act 19 of 2014, not Act 7 of 2019. Similar-name commencement-search false positive resolved. \ngov.za"],["C_ZA-P02-S005","Parliament / Department of Justice official hosted copy, National Credit Act 34 of 2005, GG 28619, 15 Mar 2006. https://www.justice.gov.za/mc/vnbp/act2005-034.pdf","§86 begins PDF P59 / GG p118 and continues P60–61 / GG pp120–122. §87 PDF P61 / GG p122.","Fresh body read 26 Oct PDT / 27 Oct UTC; 116 PDF pages. Primary original NCA text used only to distinguish the §86 debt-counsellor and §87 court pathway. Original enactment alone does not recertify every subsequent amendment or procedural rule as at 2026. \njustice.gov.za\njustice.gov.za"],["C_ZA-P02-S006","dtic-hosted compilation, National Credit Act No. 34 of 2005. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","PDF P0, update statement and “pending amendment” list; P8–9 proposed §1 definitions; P59–60 proposed §87; additional pending labels throughout. No original Gazette printed pages.","Fresh body read, 26 Oct PDT / 27 Oct UTC; 112 pages. Compilation says updated to GG 42649 (2019) and labels Act 7/2019 amendments pending; therefore it is historically dated and references the subsequently withdrawn Gazette. Its notes are not a 2026 official commencement certificate or authenticated current consolidation. \nthedtic.gov.za\nthedtic.gov.za"],["C_ZA-P02-S007","National Credit Regulator / dtic, Annual Performance Plan 2022/23–2024/25 and Strategic Plan 2022–27. https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf","PDF P0 cover; PDF P9 official sign-off; PDF P11 / printed NCR p10, Part A, “Updates to relevant legislative and policy mandates.”","Fresh body read, 26 Oct PDT / 27 Oct UTC; 80 pages. Institutional historical report says implementation was being prepared in the 2022 planning context. Official planning evidence, not a proclamation, final 2026 status statement or application notice. \nthedtic.gov.za"],["C_ZA-P02-S008","National Consumer Tribunal / dtic, Revised Draft Annual Performance Plan 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf","PDF P0 expressly “REVISED DRAFT”; PDF P12 / printed plan p17, legislative mandate section, prospective phrase about Act 7 of 2019 once enforced.","Fresh body read, 26 Oct PDT / 27 Oct UTC; 76 pages. A draft institutional planning document. It supplies contextual evidence of contemplated extension of NCT functions at that planning date; neither approved final status nor legal commencement. \nthedtic.gov.za\nthedtic.gov.za"],["C_ZA-P02-S009","Minister / Government Gazette, National Credit Act: Regulations: Amendment, GG 53154, Regulation Gazette 11867, GoN R.6510, 13 Aug 2025. https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf","Scanned PDF P0–3, corresponding to displayed GG pp3–6; P0 notice and purpose, P1–3 proposed amendments to existing regulations and credit-information-related material.","Fresh visual body inspection of all four PDF pages, 26 Oct PDT / 27 Oct UTC. A consultation draft associated with credit-information/SME issues. Later withdrawal documented by S011; not a §32 presidential proclamation or adopted §86A implementation rule. Machine-readable extraction unreliable, so identification is based on pages actually inspected."],["C_ZA-P02-S010","Department of Trade, Industry and Competition, Minister Tau Withdraws the National Credit Act Amendment Regulations, 12 Sep 2025. https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/","HTML statement, opening paragraph reporting withdrawal of the 13 Aug 2025 draft and discussion of educational-institution credit information; no PDF index.","Dated P01 attribution says full HTML body opened 26 Oct 2026. P02 fresh direct fetch failed; official search displayed title/date/statement text, but that discovery is not counted as a fresh full-body read. The actual withdrawal finding is independently supported by freshly read S011. \nthedtic.gov.za"],["C_ZA-P02-S011","Department of Trade, Industry and Competition, Briefing to Portfolio Committee on Small Business Development: Areas of Policy Overlaps, 12 Nov 2025. https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf","PDF P0, dated cover; P1, agenda describes withdrawn draft; P4–7, especially P6–7 / presentation slides 7–8, SME reporting context and withdrawal explanation.","Fresh body read, 26 Oct PDT / 27 Oct UTC; 14 pages. Official explanatory briefing supports the status and precise subject of the August 2025 draft only. It is not a statute, withdrawal Gazette instrument for all laws, or §32 commencement instrument. \nthedtic.gov.za\nthedtic.gov.za"],["C_ZA-P02-S012","National Credit Regulator, Guideline on the Filing of Clearance Certificates (Form 19) via the CBA Debt Counselling Platform, Guideline 001/2026, February 2026. https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf","PDF P0 cover; P1 / guideline printed p1, background citing §71(4), purpose; P2–3 / printed pp2–3, platform process and limitations.","Fresh body read, 26 Oct PDT / 27 Oct UTC; 4 pages. Current-looking agency guidance for existing debt-review clearance, not statutory §86A debt intervention; guidance status and its effects outside source identity are deferred. \nncr.org.za"],["C_ZA-P02-S013","South African Government, Notices catalogue, title-sorted candidate index. https://www.gov.za/documents/notices?order=title&page=1095&sort=asc","Requested HTML catalogue page, no statutory section/PDF index. Related official search result surfaced a 2015 “National Credit Amendment Act: Commencement” listing; full candidate body subsequently opened as S004.","Direct fetch failed (timeout) during P02; official indexed search result used only for discovery. Not a complete 2019–2026 proclamation inventory. The relevant discovered 2015 candidate was independently resolved by S004. \nSouth African Government"],["C_ZA-P02-S014","Government Printing Works, Government Gazettes archive 2025–2028. https://www.gpwonline.co.za/government-gazettes-4/","HTML archive landing; 2025–2028 label and “Search documents” interface. No proclamation paragraph/PDF index surfaced.","Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery interface only: retrieved text did not expose a complete query-result register or relevant PDF. Does not establish absence of any 2025–26 commencement Gazette. \nGPW"],["C_ZA-P02-S015","Government Printing Works, Government Gazettes archive 2021–2024. https://www.gpwonline.co.za/government-gazettes-3/","HTML archive landing, 2021–2024 label and search interface; no Gazette body/PDF index.","Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery-only; all underlying Gazette issues were not enumerated or individually examined. \nGPW"],["C_ZA-P02-S016","Government Printing Works, Government Gazettes archive 2016–2020. https://www.gpwonline.co.za/government-gazettes-2/","HTML archive landing, 2016–2020 label and search interface; no Gazette body/PDF index.","Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery-only; no comprehensive search of individual 2019–2020 Gazette issues is claimed. \nGPW"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact bounded proposition","Source ID and pinpoint","Actor, trigger, required act/consequence, exceptions and evidentiary limit"],["C_ZA-P02-C001","GG 42653 / GoN 1086 (19 Aug 2019) expressly withdrew and replaced GG 42649; replacement Act 7 of 2019 records assent 13 Aug 2019.","S001 PDF P1/GG p2; S002 PDF P0/GG p2.","National enactment/source identity. The replaced Gazette is historical evidence, not final authority. Assent and gazetting are not §32 commencement."],["C_ZA-P02-C002","Act 7/2019 §32 requires presidential proclamation in the Gazette fixing the date on which the Act operates.","S001 §32, P41/GG p42; S003 HTML commencement field.","President; national commencement. A valid relevant proclamation and its scope/date must be read; no date may be inferred from the Act’s publication."],["C_ZA-P02-C003","A proclamation commencing Act 7/2019 was not established by the bounded official search to the stated October 2026 cutoff.","S003 commencement metadata; S013 failed catalogue; S014–S016 archive landing bounds; audit below.","Research finding about available evidence, not a legal finding of nonexistence/noncommencement. Search did not enumerate all Gazettes; retrieve operative instrument or authoritative current register before concluding status."],["C_ZA-P02-C004","Proclamation R.10/2015, GG 38557, addresses Act 19 of 2014 under its §39, not Act 7/2019.","S004, complete P0/GG p3.","President; 2014 amendment, operative on publication of that proclamation. Identical generic title creates false-positive risk; its 2015 date and explicit 2014 citation rule it out for 2019."],["C_ZA-P02-C005","NCR reported preparation for 2019 debt intervention in 2022 planning; NCT’s draft 2024/25 plan described effects once enforced.","S007 P11/printed p10; S008 P0 draft label, P12/printed p17.","NCR/NCT institutional planning, dated statements only. No operative amendment date, prescribed process or 2026 status certification follows."],["C_ZA-P02-C006","Act §31 contemplates application to earlier principal-Act-covered credit agreements, except amending clauses 19, 25, 26, and uses “2018” in its internal Act-name reference.","S001 §31, P41/GG p42.","Credit agreement/Chapter 1 nexus plus commencement. Textual year mismatch must be flagged; no automatic retrospective legal effect or final interpretation claimed."],["C_ZA-P02-C007","Enacted proposed §1 applicant class: natural person or joint-estate persons; specified unsecured-only consumer credit; average gross income ≤ R7,500/month over six preceding months or no income; over-indebted; not sequestrated or subject to an administration order.","S001 Act §1(b), P3/GG p4; adjustment reference §171(2A)(a), P39–41/GG pp40–42.","Applicant and covered agreements at application date; 2019 enacted conditional text, not verified current qualifying criteria. Exact debt and joint-estate classification remain fact-sensitive."],["C_ZA-P02-C008","Proposed §86A(1) sets total unsecured debt ≤ R50,000 or prescribed adjusted amount; §86A(2) excludes §10 developmental credit and, subject to §85(c), agreements where §130 enforcement steps had begun at application.","S001 §86A(1)–(2), P13, P15/GG pp14,16; §85(c), P13.","Affected credit agreements; 2019 conditional text. Later threshold adjustment and commencement unknown. Not a current offer or all-debt eligibility rule."],["C_ZA-P02-C009","Proposed §15A makes the NCR responsible for stated assistance; its CEO/authorized employee may appoint suitable NCR/state employees as officers and issue prescribed certificates, deeming §44 registration only for §15A(1) services.","S001 §15A(1)–(2), P5, P7/GG pp6,8.","NCR and appointed individual; conditional officer appointment, certificate and scope. No private actor, corporate employee or ordinary debt counsellor gains this capacity automatically. Actual appointments/forms unverified."],["C_ZA-P02-C010","Under proposed §86A, an applicant addresses the NCR in prescribed form; NCR uses §86(4),(6), financial-literacy counselling/training and identified participants’ duties.","S001 §86A(1),(3)–(5), P13, P15/GG pp14,16.","NCR/qualifying applicant/credit providers; enacted dependency on operative section and actual prescribed procedure. No public application service verified."],["C_ZA-P02-C011","Proposed §86A(6)(a)–(e) distinguishes rejection, voluntary-arrangement recommendation, prohibited-credit referral, Tribunal restructuring recommendation within five years or prescribed longer period, and §87A referral for insufficient income/assets.","S001 §86A(6)–(8), P15–17/GG pp16–18.","NCR evaluates then recommends/refers; Tribunal/court separately decides where designated. Voluntary consent is not compulsory creditor agreement; no automatic debt reduction."],["C_ZA-P02-C012","Proposed §86A(9) allows affected creditor representations on the §86A(6)(e) referral; §§86A(10)–(11) describe qualified creditor termination/resumption branches.","S001 §86A(9)–(11), P17/GG p18.","Listed credit provider, NCR, Tribunal/court; conditions include the prescribed notice/period and whether matter already filed at Tribunal. No existing protection or calendar deadline inferred."],["C_ZA-P02-C013","Proposed §86A(12) makes subsection (6)(e) effective for 48 months from its own operational start and calls for ministerial review report by 36 months after that start.","S001 §86A(12)(a)–(b), P17/GG p18.","Subsection-specific commencement trigger. No operative trigger date established; cannot date sunset from 2019 publication or assert currently open/expired."],["C_ZA-P02-C014","Proposed §§87(1A) and 87A place specified decisions with NCT; §87A(2) permits conditional 12-month full/partial suspension and one additional 12-month period, with required financial literacy; §87A(5)–(8) controls reassessment and potential extinguishment.","S001 §87(1A), P17–19/GG pp18–20; §87A(1)–(9), P19–23/GG pp20–24.","NCT on NCR referral, with evidence/consideration/order required. Relief is discretionary and conditional, and potential extinguishment is not automatic. Operative status unknown."],["C_ZA-P02-C015","Proposed §§88A–88B govern debt-intervention-related credit effects and rehabilitation; §69A establishes a proposed NCR record.","S001 §69A, P7/GG p8; §§88A–88B, P23–27/GG pp24–28.","NCR, affected consumer/credit providers, Tribunal; formal application/order and prescribed notifications/rehabilitation predicates. Do not equate clearance under existing debt review with this regime."],["C_ZA-P02-C016","Proposed credit-information changes §§70–71A and jurisdiction/referral changes §§137(1A),142(3)(fA) form supporting architecture.","S001 P7–10/GG pp8–11; §§137(1A),142(3)(fA), P31/GG p32.","NCR/credit bureaux/NCT; prescribed filing/recording and hearing roles. Implementation rules, systems, forms and operative status not verified."],["C_ZA-P02-C017","Proposed §171(1)(bA),(bB) requires specified financial-literacy and interest/charge-order regulations; §171(2A)(a)–(e) provides constrained threshold-adjustment/review/approval steps.","S001 §171, P37, P39–41/GG pp38,40–42.","Minister, Finance Minister consultation where stated, National Assembly and Gazette notices where required. Mandatory acts in the text are contingent on commencement; no finalized 2026 implementing/adjustment notice established."],["C_ZA-P02-C018","No later amendment/repeal or operative adjustment governing these 2019 debt-intervention provisions was verified; the dtic-hosted compilation is dated to 2019 GG 42649 and labels 2019 changes pending.","S006 P0, P8–9, P59–60; S001 source replacement; targeted audit.","Bounded currentness limitation, not confirmation of unchanged law or universal 2026 noncommencement. Consolidation provenance is stale relative to withdrawn source."],["C_ZA-P02-C019","August 2025 GoN R.6510 / GG 53154 was a draft NCA regulations amendment addressing credit-information matters, not a presidential Act 7/2019 commencement proclamation or §86A forms instrument.","S009 scanned P0–3/GG pp3–6; S011 P5–7.","Ministerial consultation draft; no operative debt-intervention capacity or commencement follows from publication."],["C_ZA-P02-C020","The specific August 2025 draft was withdrawn in full according to dtic’s 12 Nov 2025 briefing; its scope involved credit information, educational-institution concerns and SMEs.","S011 P1, P6–7/briefing slides 7–8; S010 P01-attributed statement and fresh discovery only.","dtic explanatory/withdrawal status; not repeal of Act 7/2019, not withdrawal of every draft or regulation, and not a private statutory remedy created by the briefing."],["C_ZA-P02-C021","NCR Guideline 001/2026 deals with filing debt-review Form 19 clearance certificates via the CBA platform under existing §71(4); it does not implement or commence §86A.","S012 P0–2, guideline pp1–2.","NCR guidance for participating debt counsellors and credit-bureau process. Changes to its own guidance must not be treated as changing Act §32. Other guideline compliance questions deferred."],["C_ZA-P02-C022","Original NCA §86 uses a debt counsellor for debt review; §87 provides identified Magistrate’s Court orders. Proposed 2019 §86A instead uses the NCR and its new Tribunal/court branches.","S005 §§86–87, PDF P59–61/GG pp118–122; S001 §86A, P13–17/GG pp14–18.","Different statutory routes. Existing debt review does not become §86A intervention merely through rebranding; original-Act text alone does not settle every 2026 debt-review procedural detail."],["C_ZA-P02-C023","Evidence is insufficient to advertise the 2019 intervention as an operating application, guaranteed suspension, eligibility approval or extinguishment benefit, or conclusively to say it never commenced.","S001 §32, §86A, §§87–87A; S003; S013–S016 search bounds; C003.","Research/publishing inference: require actual operative proclamation, any stages/exclusions, implementation instruments and individual predicates before representing the service or benefit as available."],["C_ZA-P02-C024","P01 C032/C045 retain their bounded unknown-status/publication holds but must cite replacement S001 instead of withdrawn P01 S012; C033/C038 remain separate-subject distinctions.","S001 P1 and §32 P41; S002 P0; S004; S005 §§86–87; S009–S012.","Provenance correction and limited claim reconciliation only. Supplied P01 claims are historical records, not freshly re-reviewed P01 source bodies beyond the P02 records listed. No whole-country acceptance."],["C_ZA-P02-C025","Proposed §85(c) lets a court considering an apparently qualifying consumer ask whether the consumer wishes to participate, then refer to NCR or, if sufficiently informed, consider a specified order.","S001 Act §11 inserting NCA §85(c), PDF P13/GG p14.","Court acting within an actual case; applicant choice, qualification and adequate information matter. This is a separate conditional court gateway, not a general private adviser’s power or evidence of present operation."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Link","What the 2019 text or official record establishes","What must additionally be proved for operational use","P02 status and claims"],["1. Correct enacted publication","S001 replaces S002; assent 13 Aug and Gazette 19 Aug 2019.","Use final Gazette 42653; retain withdrawn 42649 in provenance only.","Answered — C001."],["2. Act-level commencement","§32 requires presidential proclamation fixing operation.","Actual signed/published qualifying presidential proclamation with provision coverage and effective wording.","Statutory trigger answered; instrument unresolved — C002–C003."],["3. Possible commencement staging","Act §32 supplies mechanism, without any P02-verified staging instrument.","For any candidate proclamation, read whether all or only identified sections operate, any exclusion, future date or further condition.","Unresolved — C003. No staged 2019 proclamation was located."],["4. Similar-name proclamation","R.10/2015 explicitly concerns Act 19/2014, §39.","No additional proof needed to exclude it as Act 7/2019 commencement.","Answered — C004."],["5. Pre-commencement transition","§31 addresses earlier agreements except clauses 19,25,26, subject to Chapter 1.","Relevant commencement plus reconciliation of “2018” wording, actual agreement scope and later changes.","Partial — C006."],["6. Applicant definitions","§1: natural person/joint estate, unsecured scope, income, over-indebtedness and status exclusions.","Commencement, any lawful threshold notices, actual applicant facts.","Enacted conditional; operational status unresolved — C007."],["7. Amount and agreement exclusions","§86A(1) R50,000; §86A(2) exclusions and §85(c) qualification.","Commencement, valid adjustment, debt classification and enforcement-stage facts.","Enacted conditional; operational status unresolved — C008."],["8. NCR assistance function","§15A assigns assistance to NCR.","Relevant section operative, institutional capacity and actual prescribed process.","Partial — C009."],["9. Individual officer capacity","§15A(2) permits limited NCR/state-employee appointment and certificate.","Valid appointment/delegation, prescribed certificate and scope; not an ordinary private licence.","Partial — C009. No specific appointments checked."],["10. Court gateway","§85(c) adds conditional judicial referral/order branch.","Operative provision, court case, consent/qualification/information, proper proceeding.","Partial — C025."],["11. NCR application receipt","§86A(1),(3) calls for prescribed submission and assessment.","Operative §86A and actual final forms/method/receiving capacity.","Unresolved operation — C010."],["12. Financial-literacy support","§§15A,86A(5) require assistance/training; §171 requires associated rules.","Actual commenced provisions, applicable finalized rules and delivery mechanisms.","Unresolved operation — C010,C017."],["13. Rejection/voluntary proposal","§86A(6)(a),(b), (7),(8) addresses nonqualification, voluntary routes, court leave.","Actual assessment, application, creditor agreement/Tribunal steps where relevant.","Conditional only — C011."],["14. Tribunal restructuring referral","§86A(6)(d), §87(1A) and §137(1A) confer NCR recommendation/Tribunal determination roles.","All necessary operative sections, Tribunal rules, prescribed forms and hearing.","Conditional only — C011,C014,C016."],["15. §87A relief referral","§86A(6)(e) and §87A provide the suspension/possible extinguishment pathway.","Commencement of subsection (6)(e) specifically, implementing rules, NCR referral and Tribunal adjudication.","Unresolved operation — C011,C013,C014."],["16. Special 48-month period","§86A(12)(a) measures 48 months from (6)(e)’s operational start.","Exact valid operational date and any later lawful amendment; compute from verified trigger.","Trigger rule answered; calendar status unresolved — C013."],["17. 36-month ministerial review","§86A(12)(b) requires impact report within 36 months of the same trigger.","Operational date, actual report/tabling evidence.","Conditional; report not verified — C013."],["18. Suspension and reassessment","§87A(2),(5) assigns Tribunal order and NCR later reassessments.","Operative law, actual order, correct notices, financial facts and review activity.","Conditional only — C014."],["19. Potential extinguishment","§87A(5)–(9) requires reassessment, referral, statutory factors and Tribunal order.","Every predicate and lawful order; no automatic write-off.","Conditional only — C014,C023."],["20. Credit limitations/rehabilitation","§§88A–88B impose conditional consequences and rehabilitation application structure.","Law operative, correct decisions, required forms/orders and facts.","Conditional only — C015."],["21. NCR record and credit bureaux","§§69A,70–71A create records, reporting and notice machinery.","Operative provisions plus prescribed data/filing requirements and actual implementation.","Unresolved operation — C015–C016."],["22. NCT jurisdiction and rules","§§137(1A),142(3)(fA) cover qualifying referrals/consideration.","Commencement, applicable NCT procedural rules, actual referral.","Conditional only — C016."],["23. Financial-literacy/interest regulations","§171(1)(bA),(bB) directs specific ministerial rulemaking.","Identify enacted/published final operative regulations covering these exact subjects.","Rule chain unverified — C017."],["24. Income/debt threshold adjustment","§171(2A)(a)–(e) establishes ministerial Gazette-notice process and qualifications.","Any actual qualifying adjustment notice plus prescribed safeguards, consultation, tabling and approval evidence.","No qualifying current notice established — C007,C008,C017."],["25. 2025 R.6510 candidate","Draft credit-information/SME regulations published in GG53154.","Not interchangeable with §§86A/171 implementing regulations.","Excluded as different draft; withdrawn — C019–C020."],["26. 2026 NCR guideline candidate","Guideline 001/2026 addresses Form 19 clearance through CBA.","Does not satisfy §32 or §86A application/form provisions.","Excluded as different process — C021."],["27. Historic plans and systems","NCR 2022 and NCT 2024 draft describe preparation/prospective change.","Commencement Gazette and implemented procedure; planning is not enough.","Dated contextual evidence — C005."],["28. Later law/current compilation","Historical dtic consolidation marks amendments pending but relies on 42649.","Authoritative current amendment/repeal and commencement reconciliation through research date.","Unresolved currentness — C018."],["29. Existing debt review","Original §§86–87 provide debt counsellor/Magistrate’s Court route.","Do not substitute proposed §86A; current procedural details reviewed separately.","Boundary answered, larger review deferred — C022."],["30. Publication authorization","Neither the new process’s valid commencement nor all dependencies are proved here.","Official complete chain and independent editorial/counsel verification of consequences.","Hold — C023–C024."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[]],"rows":[["P01 claim","Supplied P01 proposition and original support","P02 primary evidence and precise correction","Disposition"],["C_ZA-C032","Act 7/2019 §32 requires presidential proclamation; publication in August 2019 does not commence it; no qualifying proclamation established in P01 on 26 Oct 2026. Original support: P01 S012 §§31–32, withdrawn GG42649 PDF P40/GG p42; P01 S011 government metadata.","P02 S001 §32, PDF P41/GG p42 verifies the same operative wording in replacement GG42653; S001 P1 records express withdrawal of GG42649. P02 S003 confirms official attachment identity. P02 search did not establish the further presidential instrument. P02 C001–C003.","Retained with source-provenance correction. The unknown-status conclusion remains bounded. Replace the controlling S012 citation with S001, retain S012 as withdrawn historical source."],["C_ZA-C045","Do not advertise the 2019 intervention as an operating statutory benefit without independently established commencement and procedures. Original support: P01 S012 §32; S011 metadata.","Replacement P02 S001 §§15A,86A–87A,171,32 details additional service dependencies; P02 S003 is metadata, not proclamation. P02 C002–C003,C009–C017,C023.","Retained and made more specific. Withhold availability, automatic relief, current eligibility thresholds and sunset-date claims. Not a determination of permanent noncommencement."],["C_ZA-C038","Statutory debt review uses NCA §§86–87, distinguishable from private voluntary workout. Original support: P01 S001 §§86–87, S002 amended §86, S013 PDF P6–8; P01 exact source URLs were not supplied in this handoff.","Fresh P02 S005 §§86–87, P59–61/GG pp118–122 establishes original statutory route; P02 S001 §86A P13–17/GG pp14–18 establishes distinct proposed NCR pathway; §85(c) adds a conditional court connection. P02 C022,C025.","Retained within P01 limits; scope clarified. No claim that the entire §§86–87 regime was newly consolidated/recertified through 2026."],["C_ZA-C033","The specific August 2025 credit-information-related draft was withdrawn, without global effect on unrelated NCA regulations. Original support: P01 S021 briefing P1/P4–7 and S036 ministerial HTML statement.","Fresh P02 S009 GG53154/R.6510 P0–3 identifies the draft’s actual subject; S011 P6–7 expressly reports withdrawal of that draft as a whole; S010 press statement remains P01-attributed, fresh full fetch unsuccessful. P02 C019–C021.","Retained, narrowly. No change to the 2019 Act’s enactment/commencement status."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Status","Substantive finding and location; claim IDs","Missing evidence and exact next focused action"],["G1-01 Final 2019 enactment","answered","G1 ¶1; source S001. C_ZA-P02-C001.","None for replacement-source identity."],["G1-02 Assent versus Gazette publication","answered","G1 ¶1–2. Assent 13 Aug; publication 19 Aug 2019. C_ZA-P02-C001,C002.","None for historical dates; do not treat either as commencement."],["G1-03 Statutory commencement mechanism","answered","G1 ¶2; §32. C_ZA-P02-C002.","None for the mechanism; actual proclamation separately unresolved."],["G1-04 Locate 2019 Act presidential proclamation","unresolved","G1 ¶3; no verified operative instrument in bounded search. C_ZA-P02-C003.","Retrieve signed/published Act 7/2019 proclamation from an authoritative complete Gazette/Presidency register."],["G1-05 Possible staged commencement","unresolved","Crosswalk links 2–3. C_ZA-P02-C002,C003.","Obtain real proclamation(s); examine enumerated sections, exclusions, stages and later changes."],["G1-06 Exact operative date/trigger","unresolved","G1 ¶2–3. C_ZA-P02-C002,C003.","Read proclamation’s operative words; distinguish instrument issuance, publication and commencement dates."],["G1-07 False-positive 2015 proclamation","answered","G1 ¶4; S004 applies to 2014 Act. C_ZA-P02-C004.","None for exclusion of this particular candidate."],["G1-08 Government Act listing interpretation","answered","G1 ¶3; S003 provides attachment and commencement mechanism, not operative date. C_ZA-P02-C002,C003.","Do not infer date from metadata; find primary proclamation."],["G1-09 GPW 2016–2020 archive","partial","S016 index opened; no issue-level results reviewed. C_ZA-P02-C003.","Conduct actual Gazette issue/full-text search, particularly 19 Aug 2019–31 Dec 2020."],["G1-10 GPW 2021–2024 archive","partial","S015 archive landing read. C_ZA-P02-C003.","Search published proclamations/commencement notices across 2021–2024."],["G1-11 GPW 2025–2026 archive","partial","S014 landing read. C_ZA-P02-C003.","Search issues through 27 Oct 2026 SAST; inspect actual returned notice bodies."],["G1-12 Government notices catalogue failure","unresolved","S013 timed out; official search surfaced 2015 candidate separately resolved. C_ZA-P02-C003,C004.","Obtain working official catalogue or Gazette search export; do not infer exhaustiveness."],["G1-13 NCR historical preparation","answered","G1 ¶5; NCR 2022/23 plan reports preparation. C_ZA-P02-C005.","For current status, obtain newer implementation statement or, preferably, operative Gazette chain."],["G1-14 NCT historical forward planning","answered","G1 ¶5; 2024/25 document is revised draft with prospective wording. C_ZA-P02-C005.","Locate adopted later plans if useful; institutional statements cannot replace proclamation."],["G1-15 §31 transition and “2018” mismatch","partial","G1 ¶6; source text and exclusions established. C_ZA-P02-C006.","Reconcile text through official later legislative history/current source and proved commencement before publishing legal effect."],["G1-16 Later amendments, repeal or threshold notices","unresolved","G1 ¶7; stale consolidation expressly noted. C_ZA-P02-C017,C018.","Complete official post-2019 amendment, repeal, §171 Gazette-notice and commencement checks."]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Status","Substantive finding and location; claim IDs","Missing evidence and exact next focused action"],["G2-01 Natural person/joint-estate applicant","partial","G2 “Applicant and agreement perimeter”; prospective definition established. C_ZA-P02-C007.","Commencement and case-specific natural-person/joint-estate/consumer classification."],["G2-02 Six-month income criterion","partial","2019 text says average gross income ≤ R7,500/month, with adjustment mechanism. C_ZA-P02-C007,C017.","Current notice, commencement and actual income evidence; no present eligibility conclusion."],["G2-03 Unsecured debt and exclusions","partial","R50,000 enacted figure; §10 developmental and §130 enforcement exclusions with §85(c) branch. C_ZA-P02-C008.","Operative thresholds, actual covered agreements and enforcement-stage facts."],["G2-04 NCR receipt and assessment","partial","G2 “Who receives”; §86A design established. C_ZA-P02-C010.","Commencement, final prescribed application route/forms and institutional implementation."],["G2-05 NCR/state officer appointment power","partial","G2 “Who could act”; §15A(2). C_ZA-P02-C009.","Operative section, actual appointments/delegations and authorized duties."],["G2-06 Officer certificate and limited deeming","partial","Only §15A(1) service-specific deemed §44 registration. C_ZA-P02-C009.","Prescribed certificate, actual designation; no universal private credential."],["G2-07 NCR outcomes and Tribunal referrals","partial","Distinct §86A(6) branches detailed in G2. C_ZA-P02-C011.","Operative sections, final procedures, assessment and valid referral."],["G2-08 Creditor representations/termination","partial","§86A(9)–(11) conditions read. C_ZA-P02-C012.","Prescribed methods/periods and actual filing/notice facts; procedural specifics deferred."],["G2-09 Court’s §85(c) gateway","partial","Court may inquire, refer or determine under stated conditions. C_ZA-P02-C025.","Commencement, actual case posture and adequate information; no general adviser authorization."],["G2-10 Tribunal rearrangement","partial","§87(1A) on NCR recommendation, not automatic. C_ZA-P02-C011,C014.","Operative Tribunal power/rules and actual order."],["G2-11 Suspension and extinguishment","partial","§87A allows conditional suspension, later reassessment and possible order. C_ZA-P02-C014.","Commencement, operative §86A(6)(e), prescribed process and Tribunal order."],["G2-12 48-month and 36-month statutory triggers","answered","Exact relative wording in G2; §86A(12). C_ZA-P02-C013.","No missing evidence for statutory wording; dates separately unresolved."],["G2-13 Whether the 48-month branch is currently open or expired","unresolved","No operational start for §86A(6)(e) established. C_ZA-P02-C003,C013,C018.","Obtain trigger and subsequent amendment status; compute only then."],["G2-14 Records/credit information and Tribunal jurisdiction","partial","G2 linked provisions; §§69A,70–71A,137,142. C_ZA-P02-C015,C016.","Effective instruments, detailed final rules and system operations."],["G2-15 Credit restrictions and rehabilitation","partial","Proposed §§88A–88B identified. C_ZA-P02-C015.","Actual commencement, forms, decisions and complete outcome predicates."],["G2-16 §171 regulations, threshold notices and forms","unresolved","Necessary rulemaking roles/constraints identified. C_ZA-P02-C017.","Identify every operative regulation, notice and form for relevant branches; check later versions."],["G2-17 Existing §§86–87 versus §86A","answered","G2 final paragraph; original NCA §§86–87 read and distinct architecture established. C_ZA-P02-C022.","Comprehensive current debt-review effects, procedural rules and eligibility remain outside P02."]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Row","Status","Substantive finding and location; claim IDs","Missing evidence and exact next focused action"],["G3-01 August 2025 draft identity","answered","G3 first bullet; GG53154/R.6510. C_ZA-P02-C019.","None for identifying it as a different draft family."],["G3-02 Draft body visually read","answered","S009 all four PDF pages inspected; credit-information scope. C_ZA-P02-C019.","No full broader regulatory analysis; OCR limitations recorded."],["G3-03 Withdrawal status","answered","G3 second bullet; dtic P7 briefing says draft withdrawn in entirety. C_ZA-P02-C020.","Formal withdrawal Gazette, if one was published, not separately established; official explanatory status is bounded."],["G3-04 Educational-institution rule nuance","answered","dtic briefing says regulation 18(7)(e) was not itself a new draft insertion. C_ZA-P02-C020.","Actual existing rule’s complete 2026 effect deferred; no debt-intervention implication."],["G3-05 NCR February 2026 guideline identity","answered","G3 third bullet; existing Form 19/CBA process. C_ZA-P02-C021.","Full clearance rules and guidance implementation deferred."],["G3-06 Debt-counsellor training versus debt-intervention officer training","partial","Guideline training/onboarding is CBA clearance-platform training, not §15A officer certification. C_ZA-P02-C009,C021.","Actual §15A prescribed certificate/training regime unverified; separate professional training work deferred."],["G3-07 Cross-family commencement conflation","answered","None of S009–S012 is a §32 presidential commencement proclamation. C_ZA-P02-C019–C021,C023.","Any future document must be classified by exact enabling section and operative words."]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Row","Status","Substantive finding and location; claim IDs","Missing evidence and next action"],["G4-01 P01 C032","answered","Targeted disposition row 1. C_ZA-P02-C001–C003,C024.","Update controlling citation to replacement Gazette; preserve unknown commencement."],["G4-02 P01 C045","answered","Disposition row 2. C_ZA-P02-C023,C024.","Maintain benefit/operational publication hold until verified chain."],["G4-03 P01 C038","answered","Disposition row 3. C_ZA-P02-C022,C024,C025.","Preserve debt-review/private-workout distinctions; no full review rerun."],["G4-04 P01 C033","answered","Disposition row 4. C_ZA-P02-C019–C021,C024.","Limit withdrawal to identified August draft; other rules separate."],["G4-05 Withdrawn P01 source","answered","S012 original → P02 S002 historical; S001 controlling. C_ZA-P02-C001,C024.","Record explicit provenance correction in any later merged library."],["G4-06 Allowed and withheld copy","answered","G4 publication rule. C_ZA-P02-C003,C023,C024.","Obtain operative chain before removing hold or displaying current thresholds/benefits."],["G4-07 Coordinator review and acceptance boundary","answered","P02 researcher reconciliation only. C_ZA-P02-C024.","Separate coordinator review, fresh sources, arithmetic and broader P01 acceptance remain necessary."]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Status","Preserved subject and finding location","Exact next focused question"],["D01","excluded_with_reason","General commercial debtor-paid negotiation/advice authorization outside the 2019 scheme. G4 scope hold; C_ZA-P02-C024.","For each service and remuneration model, what existing NCA/professional/other permission applies?"],["D02","excluded_with_reason","Free, nonprofit, charity, consumer-organization exceptions. C_ZA-P02-C024.","What actual statutory exception attaches to each activity and entity?"],["D03","excluded_with_reason","Attorney/advocate/accountant and professional practice. C_ZA-P02-C024.","What reserved activity, professional authority and capacity limits apply?"],["D04","excluded_with_reason","Company/individual/employee credential and trade name. C_ZA-P02-C024.","Does the proposed arrangement rely on personal NCR registration, corporate conduct or statutory appointment?"],["D05","excluded_with_reason","Creditor, debt collector, purchaser, servicer and agency mandates. C_ZA-P02-C024.","Which actor owns the claim, collects for another, or represents the debtor, and under which law?"],["D06","excluded_with_reason","Referrer, affiliate, software and data-processor roles. C_ZA-P02-C024.","When do actual functions cross into regulated advice, debt counselling or handling funds?"],["D07","excluded_with_reason","Payment distribution agents, transfer execution and financial/payment permissions. C_ZA-P02-C024.","Who possesses/controls funds and what actual designated permission governs that flow?"],["D08","excluded_with_reason","Foreign/remote provider-to-resident nexus. C_ZA-P02-C024.","What establishes South African regulatory or professional nexus for remote services?"],["D09","excluded_with_reason","Consumer fee earning, timing, caps, refund and cancellation. C_ZA-P02-C024.","Which fee provisions apply to each actual service/actor, and when are they triggered?"],["D10","excluded_with_reason","Provider contracts, disclosures, marketing, representations and consent. C_ZA-P02-C024.","Which operative contract/conduct rules govern the actual service?"],["D11","excluded_with_reason","Client money, trust and safeguarding. C_ZA-P02-C024.","What funds-control arrangement exists, and which exact statutory safeguard applies?"],["D12","excluded_with_reason","Complaints, regulator and private remedies/redress. C_ZA-P02-C024.","Which authority/remedy follows each proved violation and each procedural prerequisite?"],["D13","excluded_with_reason","Full credit-product and NCA agreement classification. C_ZA-P02-C024.","Which agreements, purposes, parties, thresholds and exceptions fall under each applicable Part?"],["D14","excluded_with_reason","Collection validation, creditor disputes and negotiation evidence. C_ZA-P02-C024.","What debtor/collector records and rights exist for each claim type?"],["D15","excluded_with_reason","Prescription/limitation, interruption and revival. C_ZA-P02-C024.","Which obligation and statutory/common-law interruption acts control the limitation clock?"],["D16","excluded_with_reason","Credit reporting and clearance consequences. C_ZA-P02-C021,C024.","What current NCA/regulatory/reporting rules apply beyond the narrow source-identity finding?"],["D17","excluded_with_reason","Court procedure, service, default, judgment, attachment and enforcement exemptions. C_ZA-P02-C024.","What operative court rule, forum and debtor/property facts control each remedy?"],["D18","excluded_with_reason","Secured debt, mortgage, repossession and security release. C_ZA-P02-C007,C024.","What rights attach to each security, separate from an unsecured-only proposed §86A applicant class?"],["D19","excluded_with_reason","Rent and housing obligations. C_ZA-P02-C024.","Which tenancy, local, judicial and contract regime governs the particular obligation?"],["D20","excluded_with_reason","Medical bills, utilities, support, fines, taxes and government/priority debts. C_ZA-P02-C024.","What sector-specific authority applies and does the claim constitute a covered credit agreement?"],["D21","excluded_with_reason","Administration orders, sequestration, liquidation, business rescue and statutory actors. C_ZA-P02-C007,C024.","What separate capacity, appointing body and debt-relief consequence arises for each statutory process?"],["D22","excluded_with_reason","Full existing debt-review eligibility, forms, orders, effects, fees and discharge. C_ZA-P02-C022,C024.","What is the current full §§86–87/related regulation pathway for a specified case?"],["D23","excluded_with_reason","Public/nonprofit assistance and access routes. C_ZA-P02-C024.","Which genuinely available public programs and capacity conditions are officially verified?"],["D24","excluded_with_reason","Tax consequences and fiscal treatment of debt reduction. C_ZA-P02-C024.","What South African revenue statute applies to the particular borrower/debt/transaction?"],["D25","excluded_with_reason","Foreign creditor, assets, currency, judgments, applicable law, recognition and moving abroad; A098. C_ZA-P02-C024.","Which domestic/private-international-law nexus and foreign fact control each issue?"],["D26","excluded_with_reason","Municipal, local, customary, sectoral and institutional variations. C_ZA-P02-C024.","What actual local rule or competent body affects the identified provider/debt/activity?"],["D27","excluded_with_reason","Eastern Cape provincial/local register not examined in P02. C_ZA-P02-C024.","Is there a specifically relevant provincial/local authority, and what enacted provision gives it power?"],["D28","excluded_with_reason","Free State provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test; do not infer a licence."],["D29","excluded_with_reason","Gauteng provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D30","excluded_with_reason","KwaZulu-Natal provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D31","excluded_with_reason","Limpopo provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D32","excluded_with_reason","Mpumalanga provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D33","excluded_with_reason","Northern Cape provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D34","excluded_with_reason","North West provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D35","excluded_with_reason","Western Cape provincial/local register not examined in P02. C_ZA-P02-C024.","Same province-specific authority and enabling-text test."],["D36","excluded_with_reason","Other countries’ provider law, enforcement and debt solutions. C_ZA-P02-C024.","Independent original-jurisdiction research; no transfer or adoption of foreign findings."],["D37","excluded_with_reason","Full South African country report, A097/A098 acceptance and all P01 non-G1–G4 issues. C_ZA-P02-C024.","Coordinator reopens P01’s full independent evidence, resolves remaining gaps and separately decides acceptance."]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Repository / access route","What was actually retrieved or searched","Result and limit"],["gov.za Acts/Gazettes","Direct final and earlier 2019 PDFs; Act listing; searches for Act 7 of 2019, commencement, debt intervention, proclamation and related wording.","Verified 42653 replacing 42649 and §32. No qualifying 2019 commencement instrument established. Not a full-Gazette enumeration."],["gov.za Notices catalogue","Title-sorted official indexed results and direct catalogue fetch.","Discovered same-name 2015 candidate; direct candidate-index retrieval timed out. Full 2015 P10 read separately and ruled out."],["Government Printing Works","Official site and 2016–2020, 2021–2024, 2025–2028 Gazette archive entry pages.","Archive year pages opened but displayed only search interfaces, not an exhaustive record export or actual responsive issue list. No claim every issue was searched."],["Presidency / official proclamation-focused web queries","Restricted official-domain searches for 2019 Act title, Act number, commencement and debt intervention.","No qualifying post-2019 presidential proclamation body surfaced. Presidency’s complete proclamation register was not independently enumerated."],["dtic","Historic NCA consolidation, NCR 2022 plan, NCT 2024 revised draft, 2025 ministerial statement discovery and full 2025 parliamentary briefing.","Dated planning/policy evidence; confirmed withdrawal of a different draft; no 2019 §32 proclamation. One HTML statement repeatedly inaccessible by direct fetch, so no fresh full-body certification of it."],["NCR","February 2026 Guideline 001/2026.","Fresh body read; clearly existing Form 19 clearance process, not §86A commencement. Broader NCR registers not exhaustively surveyed."],["Department of Justice","Official hosted original National Credit Act 34/2005 §§86–87.","Confirms historic statutory debt-review actor/process distinction; not a current full consolidation."],["NCT / parliamentary material","Institutional planning text and targeted official search for debt-intervention implementation.","Prospective planning statement; no authoritative new operative §86A referral rule, effective regulation or Tribunal mechanism verified."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Outcome"],["Final Gazette versus withdrawn Gazette","Resolved: S001 final 42653; S002 historical 42649."],["Assent/publication versus commencement","Separated: C001 versus C002–C003."],["2015 same-title proclamation","Resolved: applies to 2014 Act, not 2019."],["48-month sunset","Correct trigger: operation of §86A(6)(e), not 2019 publication. No actual expiration date asserted."],["R7,500 and R50,000","Enacted conditional numbers only. Not published as current eligibility limits."],["Suspension/extinguishment","Conditional Tribunal powers only. No present automatic relief claim."],["NCR employee versus private counsellor","Capacity limited by proposed §15A text; no appointment inferred."],["2025 draft withdrawal","Specific to the identified draft. Not generalized."],["2026 clearance guidance","Separate existing debt-review process. Not commencement."],["Current-source completeness","Not established. Gazette search and later amendment/rule verification remain incomplete."],["Independent review","None claimed. This is the researcher's own crosscheck, not coordinator sign-off."],["Files/sites/actions","None created, saved or changed. This answer is the complete visible P02 record."]]}],"claims":[{"claim_id":"C_ZA-P02-C001","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C001","Exact bounded proposition":"GG 42653 / GoN 1086 (19 Aug 2019) expressly withdrew and replaced GG 42649; replacement Act 7 of 2019 records assent 13 Aug 2019.","Source ID and pinpoint":"S001 PDF P1/GG p2; S002 PDF P0/GG p2.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"National enactment/source identity. The replaced Gazette is historical evidence, not final authority. Assent and gazetting are not §32 commencement."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C002","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C002","Exact bounded proposition":"Act 7/2019 §32 requires presidential proclamation in the Gazette fixing the date on which the Act operates.","Source ID and pinpoint":"S001 §32, P41/GG p42; S003 HTML commencement field.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"President; national commencement. A valid relevant proclamation and its scope/date must be read; no date may be inferred from the Act’s publication."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C003","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C003","Exact bounded proposition":"A proclamation commencing Act 7/2019 was not established by the bounded official search to the stated October 2026 cutoff.","Source ID and pinpoint":"S003 commencement metadata; S013 failed catalogue; S014–S016 archive landing bounds; audit below.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Research finding about available evidence, not a legal finding of nonexistence/noncommencement. Search did not enumerate all Gazettes; retrieve operative instrument or authoritative current register before concluding status."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Bounded lack-of-established-instrument/search or publishing inference only; not proof of legal noncommencement, permanent unavailability or unchanged law.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C004","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C004","Exact bounded proposition":"Proclamation R.10/2015, GG 38557, addresses Act 19 of 2014 under its §39, not Act 7/2019.","Source ID and pinpoint":"S004, complete P0/GG p3.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"President; 2014 amendment, operative on publication of that proclamation. Identical generic title creates false-positive risk; its 2015 date and explicit 2014 citation rule it out for 2019."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C005","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C005","Exact bounded proposition":"NCR reported preparation for 2019 debt intervention in 2022 planning; NCT’s draft 2024/25 plan described effects once enforced.","Source ID and pinpoint":"S007 P11/printed p10; S008 P0 draft label, P12/printed p17.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR/NCT institutional planning, dated statements only. No operative amendment date, prescribed process or 2026 status certification follows."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C006","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C006","Exact bounded proposition":"Act §31 contemplates application to earlier principal-Act-covered credit agreements, except amending clauses 19, 25, 26, and uses “2018” in its internal Act-name reference.","Source ID and pinpoint":"S001 §31, P41/GG p42.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Credit agreement/Chapter 1 nexus plus commencement. Textual year mismatch must be flagged; no automatic retrospective legal effect or final interpretation claimed."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C007","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C007","Exact bounded proposition":"Enacted proposed §1 applicant class: natural person or joint-estate persons; specified unsecured-only consumer credit; average gross income ≤ R7,500/month over six preceding months or no income; over-indebted; not sequestrated or subject to an administration order.","Source ID and pinpoint":"S001 Act §1(b), P3/GG p4; adjustment reference §171(2A)(a), P39–41/GG pp40–42.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Applicant and covered agreements at application date; 2019 enacted conditional text, not verified current qualifying criteria. Exact debt and joint-estate classification remain fact-sensitive."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C008","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C008","Exact bounded proposition":"Proposed §86A(1) sets total unsecured debt ≤ R50,000 or prescribed adjusted amount; §86A(2) excludes §10 developmental credit and, subject to §85(c), agreements where §130 enforcement steps had begun at application.","Source ID and pinpoint":"S001 §86A(1)–(2), P13, P15/GG pp14,16; §85(c), P13.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Affected credit agreements; 2019 conditional text. Later threshold adjustment and commencement unknown. Not a current offer or all-debt eligibility rule."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C009","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C009","Exact bounded proposition":"Proposed §15A makes the NCR responsible for stated assistance; its CEO/authorized employee may appoint suitable NCR/state employees as officers and issue prescribed certificates, deeming §44 registration only for §15A(1) services.","Source ID and pinpoint":"S001 §15A(1)–(2), P5, P7/GG pp6,8.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR and appointed individual; conditional officer appointment, certificate and scope. No private actor, corporate employee or ordinary debt counsellor gains this capacity automatically. Actual appointments/forms unverified."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C010","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C010","Exact bounded proposition":"Under proposed §86A, an applicant addresses the NCR in prescribed form; NCR uses §86(4),(6), financial-literacy counselling/training and identified participants’ duties.","Source ID and pinpoint":"S001 §86A(1),(3)–(5), P13, P15/GG pp14,16.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR/qualifying applicant/credit providers; enacted dependency on operative section and actual prescribed procedure. No public application service verified."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C011","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C011","Exact bounded proposition":"Proposed §86A(6)(a)–(e) distinguishes rejection, voluntary-arrangement recommendation, prohibited-credit referral, Tribunal restructuring recommendation within five years or prescribed longer period, and §87A referral for insufficient income/assets.","Source ID and pinpoint":"S001 §86A(6)–(8), P15–17/GG pp16–18.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR evaluates then recommends/refers; Tribunal/court separately decides where designated. Voluntary consent is not compulsory creditor agreement; no automatic debt reduction."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C012","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C012","Exact bounded proposition":"Proposed §86A(9) allows affected creditor representations on the §86A(6)(e) referral; §§86A(10)–(11) describe qualified creditor termination/resumption branches.","Source ID and pinpoint":"S001 §86A(9)–(11), P17/GG p18.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Listed credit provider, NCR, Tribunal/court; conditions include the prescribed notice/period and whether matter already filed at Tribunal. No existing protection or calendar deadline inferred."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C013","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C013","Exact bounded proposition":"Proposed §86A(12) makes subsection (6)(e) effective for 48 months from its own operational start and calls for ministerial review report by 36 months after that start.","Source ID and pinpoint":"S001 §86A(12)(a)–(b), P17/GG p18.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Subsection-specific commencement trigger. No operative trigger date established; cannot date sunset from 2019 publication or assert currently open/expired."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C014","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C014","Exact bounded proposition":"Proposed §§87(1A) and 87A place specified decisions with NCT; §87A(2) permits conditional 12-month full/partial suspension and one additional 12-month period, with required financial literacy; §87A(5)–(8) controls reassessment and potential extinguishment.","Source ID and pinpoint":"S001 §87(1A), P17–19/GG pp18–20; §87A(1)–(9), P19–23/GG pp20–24.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCT on NCR referral, with evidence/consideration/order required. Relief is discretionary and conditional, and potential extinguishment is not automatic. Operative status unknown."},"raw_table_index":2,"coordinator_verification_status":"claim_table_supported_narrative_mismatch_resolved_by_original_chat_P03","coordinator_review":"P02narrative says initially up to12months; final Act87A(2)(b)(i) specifies12months and one further12month period. Exact conditional word correction requested viaoriginal-chatP03; automatic relief/current operation remain withheld.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","coordinator_P03_reconciliation":{"at":"2026-10-27T01:13:31.567285+00:00","review":"[internal evidence reference]","claims":["C_ZA-P03-C002","C_ZA-P03-C003","C_ZA-P03-C006","C_ZA-P03-C007","C_ZA-P03-C010"],"disposition":"OriginalC014retained; narrativeinitiallyup-to12correctedto12withconditionalextension; operativeunknownholdunchanged","raw_original_preserved":true}},{"claim_id":"C_ZA-P02-C015","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C015","Exact bounded proposition":"Proposed §§88A–88B govern debt-intervention-related credit effects and rehabilitation; §69A establishes a proposed NCR record.","Source ID and pinpoint":"S001 §69A, P7/GG p8; §§88A–88B, P23–27/GG pp24–28.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR, affected consumer/credit providers, Tribunal; formal application/order and prescribed notifications/rehabilitation predicates. Do not equate clearance under existing debt review with this regime."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C016","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C016","Exact bounded proposition":"Proposed credit-information changes §§70–71A and jurisdiction/referral changes §§137(1A),142(3)(fA) form supporting architecture.","Source ID and pinpoint":"S001 P7–10/GG pp8–11; §§137(1A),142(3)(fA), P31/GG p32.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR/credit bureaux/NCT; prescribed filing/recording and hearing roles. Implementation rules, systems, forms and operative status not verified."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C017","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C017","Exact bounded proposition":"Proposed §171(1)(bA),(bB) requires specified financial-literacy and interest/charge-order regulations; §171(2A)(a)–(e) provides constrained threshold-adjustment/review/approval steps.","Source ID and pinpoint":"S001 §171, P37, P39–41/GG pp38,40–42.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Minister, Finance Minister consultation where stated, National Assembly and Gazette notices where required. Mandatory acts in the text are contingent on commencement; no finalized 2026 implementing/adjustment notice established."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C018","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C018","Exact bounded proposition":"No later amendment/repeal or operative adjustment governing these 2019 debt-intervention provisions was verified; the dtic-hosted compilation is dated to 2019 GG 42649 and labels 2019 changes pending.","Source ID and pinpoint":"S006 P0, P8–9, P59–60; S001 source replacement; targeted audit.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Bounded currentness limitation, not confirmation of unchanged law or universal 2026 noncommencement. Consolidation provenance is stale relative to withdrawn source."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Bounded lack-of-established-instrument/search or publishing inference only; not proof of legal noncommencement, permanent unavailability or unchanged law.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C019","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C019","Exact bounded proposition":"August 2025 GoN R.6510 / GG 53154 was a draft NCA regulations amendment addressing credit-information matters, not a presidential Act 7/2019 commencement proclamation or §86A forms instrument.","Source ID and pinpoint":"S009 scanned P0–3/GG pp3–6; S011 P5–7.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Ministerial consultation draft; no operative debt-intervention capacity or commencement follows from publication."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C020","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C020","Exact bounded proposition":"The specific August 2025 draft was withdrawn in full according to dtic’s 12 Nov 2025 briefing; its scope involved credit information, educational-institution concerns and SMEs.","Source ID and pinpoint":"S011 P1, P6–7/briefing slides 7–8; S010 P01-attributed statement and fresh discovery only.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"dtic explanatory/withdrawal status; not repeal of Act 7/2019, not withdrawal of every draft or regulation, and not a private statutory remedy created by the briefing."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C021","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C021","Exact bounded proposition":"NCR Guideline 001/2026 deals with filing debt-review Form 19 clearance certificates via the CBA platform under existing §71(4); it does not implement or commence §86A.","Source ID and pinpoint":"S012 P0–2, guideline pp1–2.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"NCR guidance for participating debt counsellors and credit-bureau process. Changes to its own guidance must not be treated as changing Act §32. Other guideline compliance questions deferred."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C022","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C022","Exact bounded proposition":"Original NCA §86 uses a debt counsellor for debt review; §87 provides identified Magistrate’s Court orders. Proposed 2019 §86A instead uses the NCR and its new Tribunal/court branches.","Source ID and pinpoint":"S005 §§86–87, PDF P59–61/GG pp118–122; S001 §86A, P13–17/GG pp14–18.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Different statutory routes. Existing debt review does not become §86A intervention merely through rebranding; original-Act text alone does not settle every 2026 debt-review procedural detail."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Original P01C038 includes competentTribunal ORcourt and is retained verbatim. P02selected historicalMagistratesCourt explanation is not adopted as exclusive current route; actual86/87body freshfetch failed.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C023","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C023","Exact bounded proposition":"Evidence is insufficient to advertise the 2019 intervention as an operating application, guaranteed suspension, eligibility approval or extinguishment benefit, or conclusively to say it never commenced.","Source ID and pinpoint":"S001 §32, §86A, §§87–87A; S003; S013–S016 search bounds; C003.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Research/publishing inference: require actual operative proclamation, any stages/exclusions, implementation instruments and individual predicates before representing the service or benefit as available."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Bounded lack-of-established-instrument/search or publishing inference only; not proof of legal noncommencement, permanent unavailability or unchanged law.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C024","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C024","Exact bounded proposition":"P01 C032/C045 retain their bounded unknown-status/publication holds but must cite replacement S001 instead of withdrawn P01 S012; C033/C038 remain separate-subject distinctions.","Source ID and pinpoint":"S001 P1 and §32 P41; S002 P0; S004; S005 §§86–87; S009–S012.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Provenance correction and limited claim reconciliation only. Supplied P01 claims are historical records, not freshly re-reviewed P01 source bodies beyond the P02 records listed. No whole-country acceptance."},"raw_table_index":2,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"},{"claim_id":"C_ZA-P02-C025","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"Claim ID":"C_ZA-P02-C025","Exact bounded proposition":"Proposed §85(c) lets a court considering an apparently qualifying consumer ask whether the consumer wishes to participate, then refer to NCR or, if sufficiently informed, consider a specified order.","Source ID and pinpoint":"S001 Act §11 inserting NCA §85(c), PDF P13/GG p14.","Actor, trigger, required act/consequence, exceptions and evidentiary limit":"Court acting within an actual case; applicant choice, qualification and adequate information matter. This is a separate conditional court gateway, not a general private adviser’s power or evidence of present operation."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_or_document_identity_supported_operative_status_held","coordinator_review":"Only separately recorded selected bodies checked; no exhaustive commencement/currentness certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00"}],"sources":[{"source_id":"C_ZA-P02-S001","urls":["https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S001","Issuer, full title and complete direct URL":"Presidency / Government Gazette, National Credit Amendment Act 7 of 2019, GG 42653, GoN 1086, 19 Aug 2019. https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P1 / GG p2: assent and replacement notice. P3–5 / GG pp4–6: definitions. P5,7 / GG pp6,8: §15A. P13–17 / GG pp14–18: §§85–86A. P17–23 / GG pp18–24: §§87–87A. P23–27 / GG pp24–28: §§88A–88B. P31 / GG p32: §137. P37–41 / GG pp38–42: §171, §§31–32.","Status, scope, access and actual reading limit":"Fresh body read 26 Oct PDT / 27 Oct UTC. Final published 2019 replacement enactment; 44 PDF pages. Enacted statute, but commencement by proclamation unverified. Relevant English body and selected adjacent qualifications read; not a full current consolidated-law or amendment-citator audit. \ngov.za"},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Selected final Gazette replacement/assent noticeP1; definitionsP3;15A/P7;85/86A/P13,15,17;87/87A/P19,21;171/P37,39,41;31/32/P41. Selected extracted English body only; no successful fresh pixels or fullcurrentness/citator audit.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S002","urls":["https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S002","Issuer, full title and complete direct URL":"Presidency / Government Gazette, earlier National Credit Amendment Act 7 of 2019, GG 42649, GoN 1081, 19 Aug 2019. https://www.gov.za/sites/default/files/gcis_document/201908/42649gon1081.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P0 / GG p2: apparent assent 27 June 2017. PDF P40 / GG p42: §§31–32. Replacement established by S001 P1/GG p2.","Status, scope, access and actual reading limit":"Fresh historical body read, 26 Oct PDT / 27 Oct UTC; 42 PDF pages. Withdrawn/replaced by S001. Used only to document the P01 source discrepancy and historical wording, never as the controlling final 2019 publication. \ngov.za"},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Historical openingP0 records27June2017assent; final replacement expressly withdraws this earlierGazette. Historical source identity only.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S003","urls":["https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019"],"researcher_record":{"Source ID":"C_ZA-P02-S003","Issuer, full title and complete direct URL":"South African Government, National Credit Amendment Act 7 of 2019 (English / isiZulu), legislative record. https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019","Exact relevant pinpoint; printed page vs. PDF index":"HTML: Act attachment 42653 and “Commencement” field. PDF index inapplicable.","Status, scope, access and actual reading limit":"Fresh HTML body read, 26 Oct PDT / 27 Oct UTC. Official legislative metadata pointing to S001. Repeats the §32 mechanism, not an identified proclamation or independently determined effective date. \nSouth African Government"},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"ActualAct attachment42653 and commencement field read; metadata is not a proclamation or legal operative date.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S004","urls":["https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S004","Issuer, full title and complete direct URL":"President / Government Gazette, Commencement of the National Credit Amendment, 2014 (Act 19 of 2014), Proclamation R.10 of 2015, GG 38557, 13 Mar 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Exact relevant pinpoint; printed page vs. PDF index":"Entire single-page proclamation: PDF P0 / GG p3; heading, reference to 2014 Act §39, commencement on proclamation publication.","Status, scope, access and actual reading limit":"Fresh complete body read and page image inspected, 26 Oct PDT / 27 Oct UTC. Operative for Act 19 of 2014, not Act 7 of 2019. Similar-name commencement-search false positive resolved. \ngov.za"},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Complete single-page2015proclamation expressly citesAct19of2014 and its39, not2019Act.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S005","urls":["https://www.justice.gov.za/mc/vnbp/act2005-034.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S005","Issuer, full title and complete direct URL":"Parliament / Department of Justice official hosted copy, National Credit Act 34 of 2005, GG 28619, 15 Mar 2006. https://www.justice.gov.za/mc/vnbp/act2005-034.pdf","Exact relevant pinpoint; printed page vs. PDF index":"§86 begins PDF P59 / GG p118 and continues P60–61 / GG pp120–122. §87 PDF P61 / GG p122.","Status, scope, access and actual reading limit":"Fresh body read 26 Oct PDT / 27 Oct UTC; 116 PDF pages. Primary original NCA text used only to distinguish the §86 debt-counsellor and §87 court pathway. Original enactment alone does not recertify every subsequent amendment or procedural rule as at 2026. \njustice.gov.za\njustice.gov.za"},"raw_table_index":1,"coordinator_verification_status":"fresh_body_failed_one_official_alternate_failed","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Justice PDF timedout; one official gov.za attachment alternate through official Act page also timedout. No refreshed86/87body; P01selected44/14/50read is not reused as86/87verification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S006","urls":["https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S006","Issuer, full title and complete direct URL":"dtic-hosted compilation, National Credit Act No. 34 of 2005. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P0, update statement and “pending amendment” list; P8–9 proposed §1 definitions; P59–60 proposed §87; additional pending labels throughout. No original Gazette printed pages.","Status, scope, access and actual reading limit":"Fresh body read, 26 Oct PDT / 27 Oct UTC; 112 pages. Compilation says updated to GG 42649 (2019) and labels Act 7/2019 amendments pending; therefore it is historically dated and references the subsequently withdrawn Gazette. Its notes are not a 2026 official commencement certificate or authenticated current consolidation. \nthedtic.gov.za\nthedtic.gov.za"},"raw_table_index":1,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Exact saved source identity, subject, literal URL, reported access/currentness and read limits reconciled; body not freshly certified by coordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S007","urls":["https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S007","Issuer, full title and complete direct URL":"National Credit Regulator / dtic, Annual Performance Plan 2022/23–2024/25 and Strategic Plan 2022–27. https://www.thedtic.gov.za/wp-content/uploads/NCR-APP-Strat-Plan-2022-2023.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P0 cover; PDF P9 official sign-off; PDF P11 / printed NCR p10, Part A, “Updates to relevant legislative and policy mandates.”","Status, scope, access and actual reading limit":"Fresh body read, 26 Oct PDT / 27 Oct UTC; 80 pages. Institutional historical report says implementation was being prepared in the 2022 planning context. Official planning evidence, not a proclamation, final 2026 status statement or application notice. \nthedtic.gov.za"},"raw_table_index":1,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Exact saved source identity, subject, literal URL, reported access/currentness and read limits reconciled; body not freshly certified by coordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S008","urls":["https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S008","Issuer, full title and complete direct URL":"National Consumer Tribunal / dtic, Revised Draft Annual Performance Plan 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCT-revised-APP.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P0 expressly “REVISED DRAFT”; PDF P12 / printed plan p17, legislative mandate section, prospective phrase about Act 7 of 2019 once enforced.","Status, scope, access and actual reading limit":"Fresh body read, 26 Oct PDT / 27 Oct UTC; 76 pages. A draft institutional planning document. It supplies contextual evidence of contemplated extension of NCT functions at that planning date; neither approved final status nor legal commencement. \nthedtic.gov.za\nthedtic.gov.za"},"raw_table_index":1,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Exact saved source identity, subject, literal URL, reported access/currentness and read limits reconciled; body not freshly certified by coordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S009","urls":["https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S009","Issuer, full title and complete direct URL":"Minister / Government Gazette, National Credit Act: Regulations: Amendment, GG 53154, Regulation Gazette 11867, GoN R.6510, 13 Aug 2025. https://www.gov.za/sites/default/files/gcis_document/202508/53154rg11867gon6510.pdf","Exact relevant pinpoint; printed page vs. PDF index":"Scanned PDF P0–3, corresponding to displayed GG pp3–6; P0 notice and purpose, P1–3 proposed amendments to existing regulations and credit-information-related material.","Status, scope, access and actual reading limit":"Fresh visual body inspection of all four PDF pages, 26 Oct PDT / 27 Oct UTC. A consultation draft associated with credit-information/SME issues. Later withdrawal documented by S011; not a §32 presidential proclamation or adopted §86A implementation rule. Machine-readable extraction unreliable, so identification is based on pages actually inspected."},"raw_table_index":1,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Exact saved source identity, subject, literal URL, reported access/currentness and read limits reconciled; body not freshly certified by coordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S010","urls":["https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/"],"researcher_record":{"Source ID":"C_ZA-P02-S010","Issuer, full title and complete direct URL":"Department of Trade, Industry and Competition, Minister Tau Withdraws the National Credit Act Amendment Regulations, 12 Sep 2025. https://www.thedtic.gov.za/minister-tau-withdraws-the-national-credit-act-amendment-regulations/","Exact relevant pinpoint; printed page vs. PDF index":"HTML statement, opening paragraph reporting withdrawal of the 13 Aug 2025 draft and discussion of educational-institution credit information; no PDF index.","Status, scope, access and actual reading limit":"Dated P01 attribution says full HTML body opened 26 Oct 2026. P02 fresh direct fetch failed; official search displayed title/date/statement text, but that discovery is not counted as a fresh full-body read. The actual withdrawal finding is independently supported by freshly read S011. \nthedtic.gov.za"},"raw_table_index":1,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Exact saved source identity, subject, literal URL, reported access/currentness and read limits reconciled; body not freshly certified by coordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S011","urls":["https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S011","Issuer, full title and complete direct URL":"Department of Trade, Industry and Competition, Briefing to Portfolio Committee on Small Business Development: Areas of Policy Overlaps, 12 Nov 2025. https://www.thedtic.gov.za/wp-content/uploads/re-Revised-Part-A-Regs.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P0, dated cover; P1, agenda describes withdrawn draft; P4–7, especially P6–7 / presentation slides 7–8, SME reporting context and withdrawal explanation.","Status, scope, access and actual reading limit":"Fresh body read, 26 Oct PDT / 27 Oct UTC; 14 pages. Official explanatory briefing supports the status and precise subject of the August 2025 draft only. It is not a statute, withdrawal Gazette instrument for all laws, or §32 commencement instrument. \nthedtic.gov.za\nthedtic.gov.za"},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Cover/P1 and P6-P7selected official briefing: identifiedAugust2025draft and withdrawal/education/SME wording. No general regulations-currentness determination.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S012","urls":["https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf"],"researcher_record":{"Source ID":"C_ZA-P02-S012","Issuer, full title and complete direct URL":"National Credit Regulator, Guideline on the Filing of Clearance Certificates (Form 19) via the CBA Debt Counselling Platform, Guideline 001/2026, February 2026. https://www.ncr.org.za/documents/Guidelines/Guideline%20February%202026.pdf","Exact relevant pinpoint; printed page vs. PDF index":"PDF P0 cover; P1 / guideline printed p1, background citing §71(4), purpose; P2–3 / printed pp2–3, platform process and limitations.","Status, scope, access and actual reading limit":"Fresh body read, 26 Oct PDT / 27 Oct UTC; 4 pages. Current-looking agency guidance for existing debt-review clearance, not statutory §86A debt intervention; guidance status and its effects outside source identity are deferred. \nncr.org.za"},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Entire four-page extracted clearance-guideline body, especially1Background/2Purpose/3platform/4transition. Source identity separate from2019commencement; internal webinar-date discrepancy outside this narrowpass not silently reconciled.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S013","urls":["https://www.gov.za/documents/notices?order=title&page=1095&sort=asc"],"researcher_record":{"Source ID":"C_ZA-P02-S013","Issuer, full title and complete direct URL":"South African Government, Notices catalogue, title-sorted candidate index. https://www.gov.za/documents/notices?order=title&page=1095&sort=asc","Exact relevant pinpoint; printed page vs. PDF index":"Requested HTML catalogue page, no statutory section/PDF index. Related official search result surfaced a 2015 “National Credit Amendment Act: Commencement” listing; full candidate body subsequently opened as S004.","Status, scope, access and actual reading limit":"Direct fetch failed (timeout) during P02; official indexed search result used only for discovery. Not a complete 2019–2026 proclamation inventory. The relevant discovered 2015 candidate was independently resolved by S004. \nSouth African Government"},"raw_table_index":1,"coordinator_verification_status":"researcher_catalogue_or_failed_access_boundary_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Search/interface/failure record bounds researcher access; no exhaustive current Gazette enumeration or nonexistence proof.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S014","urls":["https://www.gpwonline.co.za/government-gazettes-4/"],"researcher_record":{"Source ID":"C_ZA-P02-S014","Issuer, full title and complete direct URL":"Government Printing Works, Government Gazettes archive 2025–2028. https://www.gpwonline.co.za/government-gazettes-4/","Exact relevant pinpoint; printed page vs. PDF index":"HTML archive landing; 2025–2028 label and “Search documents” interface. No proclamation paragraph/PDF index surfaced.","Status, scope, access and actual reading limit":"Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery interface only: retrieved text did not expose a complete query-result register or relevant PDF. Does not establish absence of any 2025–26 commencement Gazette. \nGPW"},"raw_table_index":1,"coordinator_verification_status":"researcher_catalogue_or_failed_access_boundary_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Search/interface/failure record bounds researcher access; no exhaustive current Gazette enumeration or nonexistence proof.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S015","urls":["https://www.gpwonline.co.za/government-gazettes-3/"],"researcher_record":{"Source ID":"C_ZA-P02-S015","Issuer, full title and complete direct URL":"Government Printing Works, Government Gazettes archive 2021–2024. https://www.gpwonline.co.za/government-gazettes-3/","Exact relevant pinpoint; printed page vs. PDF index":"HTML archive landing, 2021–2024 label and search interface; no Gazette body/PDF index.","Status, scope, access and actual reading limit":"Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery-only; all underlying Gazette issues were not enumerated or individually examined. \nGPW"},"raw_table_index":1,"coordinator_verification_status":"researcher_catalogue_or_failed_access_boundary_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Search/interface/failure record bounds researcher access; no exhaustive current Gazette enumeration or nonexistence proof.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false},{"source_id":"C_ZA-P02-S016","urls":["https://www.gpwonline.co.za/government-gazettes-2/"],"researcher_record":{"Source ID":"C_ZA-P02-S016","Issuer, full title and complete direct URL":"Government Printing Works, Government Gazettes archive 2016–2020. https://www.gpwonline.co.za/government-gazettes-2/","Exact relevant pinpoint; printed page vs. PDF index":"HTML archive landing, 2016–2020 label and search interface; no Gazette body/PDF index.","Status, scope, access and actual reading limit":"Fresh HTML read, 26 Oct PDT / 27 Oct UTC. Discovery-only; no comprehensive search of individual 2019–2020 Gazette issues is claimed. \nGPW"},"raw_table_index":1,"coordinator_verification_status":"researcher_catalogue_or_failed_access_boundary_only","id_normalization":"Full/bare ID explicitly qualified; original cell unchanged.","coordinator_check_scope":"Search/interface/failure record bounds researcher access; no exhaustive current Gazette enumeration or nonexistence proof.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:57:43.962914+00:00","independent_review":false}],"coverage":[{"topic":"G1-01 Final 2019 enactment","researcher_record":{"Row":"G1-01 Final 2019 enactment","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶1; source S001. C_ZA-P02-C001.","Missing evidence and exact next focused action":"None for replacement-source identity."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-02 Assent versus Gazette publication","researcher_record":{"Row":"G1-02 Assent versus Gazette publication","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶1–2. Assent 13 Aug; publication 19 Aug 2019. C_ZA-P02-C001,C002.","Missing evidence and exact next focused action":"None for historical dates; do not treat either as commencement."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-03 Statutory commencement mechanism","researcher_record":{"Row":"G1-03 Statutory commencement mechanism","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶2; §32. C_ZA-P02-C002.","Missing evidence and exact next focused action":"None for the mechanism; actual proclamation separately unresolved."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-04 Locate 2019 Act presidential proclamation","researcher_record":{"Row":"G1-04 Locate 2019 Act presidential proclamation","Status":"unresolved","Substantive finding and location; claim IDs":"G1 ¶3; no verified operative instrument in bounded search. C_ZA-P02-C003.","Missing evidence and exact next focused action":"Retrieve signed/published Act 7/2019 proclamation from an authoritative complete Gazette/Presidency register."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-05 Possible staged commencement","researcher_record":{"Row":"G1-05 Possible staged commencement","Status":"unresolved","Substantive finding and location; claim IDs":"Crosswalk links 2–3. C_ZA-P02-C002,C003.","Missing evidence and exact next focused action":"Obtain real proclamation(s); examine enumerated sections, exclusions, stages and later changes."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-06 Exact operative date/trigger","researcher_record":{"Row":"G1-06 Exact operative date/trigger","Status":"unresolved","Substantive finding and location; claim IDs":"G1 ¶2–3. C_ZA-P02-C002,C003.","Missing evidence and exact next focused action":"Read proclamation’s operative words; distinguish instrument issuance, publication and commencement dates."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-07 False-positive 2015 proclamation","researcher_record":{"Row":"G1-07 False-positive 2015 proclamation","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶4; S004 applies to 2014 Act. C_ZA-P02-C004.","Missing evidence and exact next focused action":"None for exclusion of this particular candidate."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-08 Government Act listing interpretation","researcher_record":{"Row":"G1-08 Government Act listing interpretation","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶3; S003 provides attachment and commencement mechanism, not operative date. C_ZA-P02-C002,C003.","Missing evidence and exact next focused action":"Do not infer date from metadata; find primary proclamation."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-09 GPW 2016–2020 archive","researcher_record":{"Row":"G1-09 GPW 2016–2020 archive","Status":"partial","Substantive finding and location; claim IDs":"S016 index opened; no issue-level results reviewed. C_ZA-P02-C003.","Missing evidence and exact next focused action":"Conduct actual Gazette issue/full-text search, particularly 19 Aug 2019–31 Dec 2020."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-10 GPW 2021–2024 archive","researcher_record":{"Row":"G1-10 GPW 2021–2024 archive","Status":"partial","Substantive finding and location; claim IDs":"S015 archive landing read. C_ZA-P02-C003.","Missing evidence and exact next focused action":"Search published proclamations/commencement notices across 2021–2024."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-11 GPW 2025–2026 archive","researcher_record":{"Row":"G1-11 GPW 2025–2026 archive","Status":"partial","Substantive finding and location; claim IDs":"S014 landing read. C_ZA-P02-C003.","Missing evidence and exact next focused action":"Search issues through 27 Oct 2026 SAST; inspect actual returned notice bodies."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-12 Government notices catalogue failure","researcher_record":{"Row":"G1-12 Government notices catalogue failure","Status":"unresolved","Substantive finding and location; claim IDs":"S013 timed out; official search surfaced 2015 candidate separately resolved. C_ZA-P02-C003,C004.","Missing evidence and exact next focused action":"Obtain working official catalogue or Gazette search export; do not infer exhaustiveness."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-13 NCR historical preparation","researcher_record":{"Row":"G1-13 NCR historical preparation","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶5; NCR 2022/23 plan reports preparation. C_ZA-P02-C005.","Missing evidence and exact next focused action":"For current status, obtain newer implementation statement or, preferably, operative Gazette chain."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-14 NCT historical forward planning","researcher_record":{"Row":"G1-14 NCT historical forward planning","Status":"answered","Substantive finding and location; claim IDs":"G1 ¶5; 2024/25 document is revised draft with prospective wording. C_ZA-P02-C005.","Missing evidence and exact next focused action":"Locate adopted later plans if useful; institutional statements cannot replace proclamation."},"raw_table_index":5,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-15 §31 transition and “2018” mismatch","researcher_record":{"Row":"G1-15 §31 transition and “2018” mismatch","Status":"partial","Substantive finding and location; claim IDs":"G1 ¶6; source text and exclusions established. C_ZA-P02-C006.","Missing evidence and exact next focused action":"Reconcile text through official later legislative history/current source and proved commencement before publishing legal effect."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G1-16 Later amendments, repeal or threshold notices","researcher_record":{"Row":"G1-16 Later amendments, repeal or threshold notices","Status":"unresolved","Substantive finding and location; claim IDs":"G1 ¶7; stale consolidation expressly noted. C_ZA-P02-C017,C018.","Missing evidence and exact next focused action":"Complete official post-2019 amendment, repeal, §171 Gazette-notice and commencement checks."},"raw_table_index":5,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-01 Natural person/joint-estate applicant","researcher_record":{"Row":"G2-01 Natural person/joint-estate applicant","Status":"partial","Substantive finding and location; claim IDs":"G2 “Applicant and agreement perimeter”; prospective definition established. C_ZA-P02-C007.","Missing evidence and exact next focused action":"Commencement and case-specific natural-person/joint-estate/consumer classification."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-02 Six-month income criterion","researcher_record":{"Row":"G2-02 Six-month income criterion","Status":"partial","Substantive finding and location; claim IDs":"2019 text says average gross income ≤ R7,500/month, with adjustment mechanism. C_ZA-P02-C007,C017.","Missing evidence and exact next focused action":"Current notice, commencement and actual income evidence; no present eligibility conclusion."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-03 Unsecured debt and exclusions","researcher_record":{"Row":"G2-03 Unsecured debt and exclusions","Status":"partial","Substantive finding and location; claim IDs":"R50,000 enacted figure; §10 developmental and §130 enforcement exclusions with §85(c) branch. C_ZA-P02-C008.","Missing evidence and exact next focused action":"Operative thresholds, actual covered agreements and enforcement-stage facts."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-04 NCR receipt and assessment","researcher_record":{"Row":"G2-04 NCR receipt and assessment","Status":"partial","Substantive finding and location; claim IDs":"G2 “Who receives”; §86A design established. C_ZA-P02-C010.","Missing evidence and exact next focused action":"Commencement, final prescribed application route/forms and institutional implementation."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-05 NCR/state officer appointment power","researcher_record":{"Row":"G2-05 NCR/state officer appointment power","Status":"partial","Substantive finding and location; claim IDs":"G2 “Who could act”; §15A(2). C_ZA-P02-C009.","Missing evidence and exact next focused action":"Operative section, actual appointments/delegations and authorized duties."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-06 Officer certificate and limited deeming","researcher_record":{"Row":"G2-06 Officer certificate and limited deeming","Status":"partial","Substantive finding and location; claim IDs":"Only §15A(1) service-specific deemed §44 registration. C_ZA-P02-C009.","Missing evidence and exact next focused action":"Prescribed certificate, actual designation; no universal private credential."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-07 NCR outcomes and Tribunal referrals","researcher_record":{"Row":"G2-07 NCR outcomes and Tribunal referrals","Status":"partial","Substantive finding and location; claim IDs":"Distinct §86A(6) branches detailed in G2. C_ZA-P02-C011.","Missing evidence and exact next focused action":"Operative sections, final procedures, assessment and valid referral."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-08 Creditor representations/termination","researcher_record":{"Row":"G2-08 Creditor representations/termination","Status":"partial","Substantive finding and location; claim IDs":"§86A(9)–(11) conditions read. C_ZA-P02-C012.","Missing evidence and exact next focused action":"Prescribed methods/periods and actual filing/notice facts; procedural specifics deferred."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-09 Court’s §85(c) gateway","researcher_record":{"Row":"G2-09 Court’s §85(c) gateway","Status":"partial","Substantive finding and location; claim IDs":"Court may inquire, refer or determine under stated conditions. C_ZA-P02-C025.","Missing evidence and exact next focused action":"Commencement, actual case posture and adequate information; no general adviser authorization."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-10 Tribunal rearrangement","researcher_record":{"Row":"G2-10 Tribunal rearrangement","Status":"partial","Substantive finding and location; claim IDs":"§87(1A) on NCR recommendation, not automatic. C_ZA-P02-C011,C014.","Missing evidence and exact next focused action":"Operative Tribunal power/rules and actual order."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-11 Suspension and extinguishment","researcher_record":{"Row":"G2-11 Suspension and extinguishment","Status":"partial","Substantive finding and location; claim IDs":"§87A allows conditional suspension, later reassessment and possible order. C_ZA-P02-C014.","Missing evidence and exact next focused action":"Commencement, operative §86A(6)(e), prescribed process and Tribunal order."},"raw_table_index":6,"coordinator_acceptance":"conditional_statutory_architecture_preserved_narrative_duration_correction_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-12 48-month and 36-month statutory triggers","researcher_record":{"Row":"G2-12 48-month and 36-month statutory triggers","Status":"answered","Substantive finding and location; claim IDs":"Exact relative wording in G2; §86A(12). C_ZA-P02-C013.","Missing evidence and exact next focused action":"No missing evidence for statutory wording; dates separately unresolved."},"raw_table_index":6,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-13 Whether the 48-month branch is currently open or expired","researcher_record":{"Row":"G2-13 Whether the 48-month branch is currently open or expired","Status":"unresolved","Substantive finding and location; claim IDs":"No operational start for §86A(6)(e) established. C_ZA-P02-C003,C013,C018.","Missing evidence and exact next focused action":"Obtain trigger and subsequent amendment status; compute only then."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-14 Records/credit information and Tribunal jurisdiction","researcher_record":{"Row":"G2-14 Records/credit information and Tribunal jurisdiction","Status":"partial","Substantive finding and location; claim IDs":"G2 linked provisions; §§69A,70–71A,137,142. C_ZA-P02-C015,C016.","Missing evidence and exact next focused action":"Effective instruments, detailed final rules and system operations."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-15 Credit restrictions and rehabilitation","researcher_record":{"Row":"G2-15 Credit restrictions and rehabilitation","Status":"partial","Substantive finding and location; claim IDs":"Proposed §§88A–88B identified. C_ZA-P02-C015.","Missing evidence and exact next focused action":"Actual commencement, forms, decisions and complete outcome predicates."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-16 §171 regulations, threshold notices and forms","researcher_record":{"Row":"G2-16 §171 regulations, threshold notices and forms","Status":"unresolved","Substantive finding and location; claim IDs":"Necessary rulemaking roles/constraints identified. C_ZA-P02-C017.","Missing evidence and exact next focused action":"Identify every operative regulation, notice and form for relevant branches; check later versions."},"raw_table_index":6,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G2-17 Existing §§86–87 versus §86A","researcher_record":{"Row":"G2-17 Existing §§86–87 versus §86A","Status":"answered","Substantive finding and location; claim IDs":"G2 final paragraph; original NCA §§86–87 read and distinct architecture established. C_ZA-P02-C022.","Missing evidence and exact next focused action":"Comprehensive current debt-review effects, procedural rules and eligibility remain outside P02."},"raw_table_index":6,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-01 August 2025 draft identity","researcher_record":{"Row":"G3-01 August 2025 draft identity","Status":"answered","Substantive finding and location; claim IDs":"G3 first bullet; GG53154/R.6510. C_ZA-P02-C019.","Missing evidence and exact next focused action":"None for identifying it as a different draft family."},"raw_table_index":7,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-02 Draft body visually read","researcher_record":{"Row":"G3-02 Draft body visually read","Status":"answered","Substantive finding and location; claim IDs":"S009 all four PDF pages inspected; credit-information scope. C_ZA-P02-C019.","Missing evidence and exact next focused action":"No full broader regulatory analysis; OCR limitations recorded."},"raw_table_index":7,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-03 Withdrawal status","researcher_record":{"Row":"G3-03 Withdrawal status","Status":"answered","Substantive finding and location; claim IDs":"G3 second bullet; dtic P7 briefing says draft withdrawn in entirety. C_ZA-P02-C020.","Missing evidence and exact next focused action":"Formal withdrawal Gazette, if one was published, not separately established; official explanatory status is bounded."},"raw_table_index":7,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-04 Educational-institution rule nuance","researcher_record":{"Row":"G3-04 Educational-institution rule nuance","Status":"answered","Substantive finding and location; claim IDs":"dtic briefing says regulation 18(7)(e) was not itself a new draft insertion. C_ZA-P02-C020.","Missing evidence and exact next focused action":"Actual existing rule’s complete 2026 effect deferred; no debt-intervention implication."},"raw_table_index":7,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-05 NCR February 2026 guideline identity","researcher_record":{"Row":"G3-05 NCR February 2026 guideline identity","Status":"answered","Substantive finding and location; claim IDs":"G3 third bullet; existing Form 19/CBA process. C_ZA-P02-C021.","Missing evidence and exact next focused action":"Full clearance rules and guidance implementation deferred."},"raw_table_index":7,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-06 Debt-counsellor training versus debt-intervention officer training","researcher_record":{"Row":"G3-06 Debt-counsellor training versus debt-intervention officer training","Status":"partial","Substantive finding and location; claim IDs":"Guideline training/onboarding is CBA clearance-platform training, not §15A officer certification. C_ZA-P02-C009,C021.","Missing evidence and exact next focused action":"Actual §15A prescribed certificate/training regime unverified; separate professional training work deferred."},"raw_table_index":7,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G3-07 Cross-family commencement conflation","researcher_record":{"Row":"G3-07 Cross-family commencement conflation","Status":"answered","Substantive finding and location; claim IDs":"None of S009–S012 is a §32 presidential commencement proclamation. C_ZA-P02-C019–C021,C023.","Missing evidence and exact next focused action":"Any future document must be classified by exact enabling section and operative words."},"raw_table_index":7,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-01 P01 C032","researcher_record":{"Row":"G4-01 P01 C032","Status":"answered","Substantive finding and location; claim IDs":"Targeted disposition row 1. C_ZA-P02-C001–C003,C024.","Missing evidence and next action":"Update controlling citation to replacement Gazette; preserve unknown commencement."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-02 P01 C045","researcher_record":{"Row":"G4-02 P01 C045","Status":"answered","Substantive finding and location; claim IDs":"Disposition row 2. C_ZA-P02-C023,C024.","Missing evidence and next action":"Maintain benefit/operational publication hold until verified chain."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-03 P01 C038","researcher_record":{"Row":"G4-03 P01 C038","Status":"answered","Substantive finding and location; claim IDs":"Disposition row 3. C_ZA-P02-C022,C024,C025.","Missing evidence and next action":"Preserve debt-review/private-workout distinctions; no full review rerun."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-04 P01 C033","researcher_record":{"Row":"G4-04 P01 C033","Status":"answered","Substantive finding and location; claim IDs":"Disposition row 4. C_ZA-P02-C019–C021,C024.","Missing evidence and next action":"Limit withdrawal to identified August draft; other rules separate."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-05 Withdrawn P01 source","researcher_record":{"Row":"G4-05 Withdrawn P01 source","Status":"answered","Substantive finding and location; claim IDs":"S012 original → P02 S002 historical; S001 controlling. C_ZA-P02-C001,C024.","Missing evidence and next action":"Record explicit provenance correction in any later merged library."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-06 Allowed and withheld copy","researcher_record":{"Row":"G4-06 Allowed and withheld copy","Status":"answered","Substantive finding and location; claim IDs":"G4 publication rule. C_ZA-P02-C003,C023,C024.","Missing evidence and next action":"Obtain operative chain before removing hold or displaying current thresholds/benefits."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"G4-07 Coordinator review and acceptance boundary","researcher_record":{"Row":"G4-07 Coordinator review and acceptance boundary","Status":"answered","Substantive finding and location; claim IDs":"P02 researcher reconciliation only. C_ZA-P02-C024.","Missing evidence and next action":"Separate coordinator review, fresh sources, arithmetic and broader P01 acceptance remain necessary."},"raw_table_index":8,"coordinator_acceptance":"narrow_finding_or_reported_status_checked_not_country_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D01","researcher_record":{"Row":"D01","Status":"excluded_with_reason","Preserved subject and finding location":"General commercial debtor-paid negotiation/advice authorization outside the 2019 scheme. G4 scope hold; C_ZA-P02-C024.","Exact next focused question":"For each service and remuneration model, what existing NCA/professional/other permission applies?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D02","researcher_record":{"Row":"D02","Status":"excluded_with_reason","Preserved subject and finding location":"Free, nonprofit, charity, consumer-organization exceptions. C_ZA-P02-C024.","Exact next focused question":"What actual statutory exception attaches to each activity and entity?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D03","researcher_record":{"Row":"D03","Status":"excluded_with_reason","Preserved subject and finding location":"Attorney/advocate/accountant and professional practice. C_ZA-P02-C024.","Exact next focused question":"What reserved activity, professional authority and capacity limits apply?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D04","researcher_record":{"Row":"D04","Status":"excluded_with_reason","Preserved subject and finding location":"Company/individual/employee credential and trade name. C_ZA-P02-C024.","Exact next focused question":"Does the proposed arrangement rely on personal NCR registration, corporate conduct or statutory appointment?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D05","researcher_record":{"Row":"D05","Status":"excluded_with_reason","Preserved subject and finding location":"Creditor, debt collector, purchaser, servicer and agency mandates. C_ZA-P02-C024.","Exact next focused question":"Which actor owns the claim, collects for another, or represents the debtor, and under which law?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D06","researcher_record":{"Row":"D06","Status":"excluded_with_reason","Preserved subject and finding location":"Referrer, affiliate, software and data-processor roles. C_ZA-P02-C024.","Exact next focused question":"When do actual functions cross into regulated advice, debt counselling or handling funds?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D07","researcher_record":{"Row":"D07","Status":"excluded_with_reason","Preserved subject and finding location":"Payment distribution agents, transfer execution and financial/payment permissions. C_ZA-P02-C024.","Exact next focused question":"Who possesses/controls funds and what actual designated permission governs that flow?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D08","researcher_record":{"Row":"D08","Status":"excluded_with_reason","Preserved subject and finding location":"Foreign/remote provider-to-resident nexus. C_ZA-P02-C024.","Exact next focused question":"What establishes South African regulatory or professional nexus for remote services?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D09","researcher_record":{"Row":"D09","Status":"excluded_with_reason","Preserved subject and finding location":"Consumer fee earning, timing, caps, refund and cancellation. C_ZA-P02-C024.","Exact next focused question":"Which fee provisions apply to each actual service/actor, and when are they triggered?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D10","researcher_record":{"Row":"D10","Status":"excluded_with_reason","Preserved subject and finding location":"Provider contracts, disclosures, marketing, representations and consent. C_ZA-P02-C024.","Exact next focused question":"Which operative contract/conduct rules govern the actual service?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D11","researcher_record":{"Row":"D11","Status":"excluded_with_reason","Preserved subject and finding location":"Client money, trust and safeguarding. C_ZA-P02-C024.","Exact next focused question":"What funds-control arrangement exists, and which exact statutory safeguard applies?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D12","researcher_record":{"Row":"D12","Status":"excluded_with_reason","Preserved subject and finding location":"Complaints, regulator and private remedies/redress. C_ZA-P02-C024.","Exact next focused question":"Which authority/remedy follows each proved violation and each procedural prerequisite?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D13","researcher_record":{"Row":"D13","Status":"excluded_with_reason","Preserved subject and finding location":"Full credit-product and NCA agreement classification. C_ZA-P02-C024.","Exact next focused question":"Which agreements, purposes, parties, thresholds and exceptions fall under each applicable Part?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D14","researcher_record":{"Row":"D14","Status":"excluded_with_reason","Preserved subject and finding location":"Collection validation, creditor disputes and negotiation evidence. C_ZA-P02-C024.","Exact next focused question":"What debtor/collector records and rights exist for each claim type?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D15","researcher_record":{"Row":"D15","Status":"excluded_with_reason","Preserved subject and finding location":"Prescription/limitation, interruption and revival. C_ZA-P02-C024.","Exact next focused question":"Which obligation and statutory/common-law interruption acts control the limitation clock?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D16","researcher_record":{"Row":"D16","Status":"excluded_with_reason","Preserved subject and finding location":"Credit reporting and clearance consequences. C_ZA-P02-C021,C024.","Exact next focused question":"What current NCA/regulatory/reporting rules apply beyond the narrow source-identity finding?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D17","researcher_record":{"Row":"D17","Status":"excluded_with_reason","Preserved subject and finding location":"Court procedure, service, default, judgment, attachment and enforcement exemptions. C_ZA-P02-C024.","Exact next focused question":"What operative court rule, forum and debtor/property facts control each remedy?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D18","researcher_record":{"Row":"D18","Status":"excluded_with_reason","Preserved subject and finding location":"Secured debt, mortgage, repossession and security release. C_ZA-P02-C007,C024.","Exact next focused question":"What rights attach to each security, separate from an unsecured-only proposed §86A applicant class?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D19","researcher_record":{"Row":"D19","Status":"excluded_with_reason","Preserved subject and finding location":"Rent and housing obligations. C_ZA-P02-C024.","Exact next focused question":"Which tenancy, local, judicial and contract regime governs the particular obligation?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D20","researcher_record":{"Row":"D20","Status":"excluded_with_reason","Preserved subject and finding location":"Medical bills, utilities, support, fines, taxes and government/priority debts. C_ZA-P02-C024.","Exact next focused question":"What sector-specific authority applies and does the claim constitute a covered credit agreement?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D21","researcher_record":{"Row":"D21","Status":"excluded_with_reason","Preserved subject and finding location":"Administration orders, sequestration, liquidation, business rescue and statutory actors. C_ZA-P02-C007,C024.","Exact next focused question":"What separate capacity, appointing body and debt-relief consequence arises for each statutory process?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D22","researcher_record":{"Row":"D22","Status":"excluded_with_reason","Preserved subject and finding location":"Full existing debt-review eligibility, forms, orders, effects, fees and discharge. C_ZA-P02-C022,C024.","Exact next focused question":"What is the current full §§86–87/related regulation pathway for a specified case?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D23","researcher_record":{"Row":"D23","Status":"excluded_with_reason","Preserved subject and finding location":"Public/nonprofit assistance and access routes. C_ZA-P02-C024.","Exact next focused question":"Which genuinely available public programs and capacity conditions are officially verified?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D24","researcher_record":{"Row":"D24","Status":"excluded_with_reason","Preserved subject and finding location":"Tax consequences and fiscal treatment of debt reduction. C_ZA-P02-C024.","Exact next focused question":"What South African revenue statute applies to the particular borrower/debt/transaction?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D25","researcher_record":{"Row":"D25","Status":"excluded_with_reason","Preserved subject and finding location":"Foreign creditor, assets, currency, judgments, applicable law, recognition and moving abroad; A098. C_ZA-P02-C024.","Exact next focused question":"Which domestic/private-international-law nexus and foreign fact control each issue?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D26","researcher_record":{"Row":"D26","Status":"excluded_with_reason","Preserved subject and finding location":"Municipal, local, customary, sectoral and institutional variations. C_ZA-P02-C024.","Exact next focused question":"What actual local rule or competent body affects the identified provider/debt/activity?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D27","researcher_record":{"Row":"D27","Status":"excluded_with_reason","Preserved subject and finding location":"Eastern Cape provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Is there a specifically relevant provincial/local authority, and what enacted provision gives it power?"},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D28","researcher_record":{"Row":"D28","Status":"excluded_with_reason","Preserved subject and finding location":"Free State provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test; do not infer a licence."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D29","researcher_record":{"Row":"D29","Status":"excluded_with_reason","Preserved subject and finding location":"Gauteng provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D30","researcher_record":{"Row":"D30","Status":"excluded_with_reason","Preserved subject and finding location":"KwaZulu-Natal provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D31","researcher_record":{"Row":"D31","Status":"excluded_with_reason","Preserved subject and finding location":"Limpopo provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D32","researcher_record":{"Row":"D32","Status":"excluded_with_reason","Preserved subject and finding location":"Mpumalanga provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D33","researcher_record":{"Row":"D33","Status":"excluded_with_reason","Preserved subject and finding location":"Northern Cape provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D34","researcher_record":{"Row":"D34","Status":"excluded_with_reason","Preserved subject and finding location":"North West provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D35","researcher_record":{"Row":"D35","Status":"excluded_with_reason","Preserved subject and finding location":"Western Cape provincial/local register not examined in P02. C_ZA-P02-C024.","Exact next focused question":"Same province-specific authority and enabling-text test."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D36","researcher_record":{"Row":"D36","Status":"excluded_with_reason","Preserved subject and finding location":"Other countries’ provider law, enforcement and debt solutions. C_ZA-P02-C024.","Exact next focused question":"Independent original-jurisdiction research; no transfer or adoption of foreign findings."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."},{"topic":"D37","researcher_record":{"Row":"D37","Status":"excluded_with_reason","Preserved subject and finding location":"Full South African country report, A097/A098 acceptance and all P01 non-G1–G4 issues. C_ZA-P02-C024.","Exact next focused question":"Coordinator reopens P01’s full independent evidence, resolves remaining gaps and separately decides acceptance."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row reconciled; no current scheme availability, all-source reproduction, province/locality or country acceptance."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_ZA-P02-source-provenance-correction-20261027","status":"targeted_correction_reviewed_with_holds","at":"2026-10-27T01:21:40.034526+00:00"}]}