{"meta":{"key":"c_za--pass-03","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-03","path":"/research/c_za--pass-03/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":6,"claims":11,"sources":2,"review_status":"exact_duration_narrative_correction_resolved_operative_status_held","review_complete":true,"sha256":"9d4bdf0c6eb766afe24705629785e9a659a880d4c6534d880feeb8659fcc5be8","headings":["Narrow correction: §87A suspension duration","1. Finding and exact replacement sentence","2. Narrow statutory reading","G1 — Duration, scope and decision-maker","G2 — Subsequent review does not make relief automatic","Preserved commencement boundary","3. Complete source register","4. Complete atomic claim and evidence register","5. Actual old-to-new correction disposition","6. Two invented classification examples","Example 1 — Fixed wording without automatic benefit","Example 2 — Agreement scope is different from time","7. Complete granular P03 coverage and deferral register","8. Search/read audit and researcher self-check","Actual visible-row counts","Consistency check","Exact next research question, if separately authorized"],"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-03","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":[]},"scope":"ExactP02narrative12monthwordingonly","pending_corrections":0},"markdown":"# SettleADebt C_ZA PASS-03 — South Africa\n\n## Narrow correction: §87A suspension duration\n\nNarrative correction verified Current operative status remains unverified\n\nResearch access: 26 October 2026, approximately 18:00–18:02 PDT (America/Los_Angeles); 27 October 2026, approximately 01:00–01:02 UTC; 27 October 2026, South African Standard Time.\n\nScope: One sentence in P02 G2. All other P01/P02 findings, claims, limitations and publication holds are preserved. This is a researcher self-check, not independent review or acceptance of the South African country report.\n\n### 1. Finding and exact replacement sentence\n\nThe correction is supported by the final enacted English text of the National Credit Amendment Act 7 of 2019.\n\nInserted §87A(2)(b)(i) uses “for 12 months”, not an initial duration of any period up to 12 months. The expression “in part or in full” describes the extent of suspension of qualifying credit agreements; it does not modify the duration. The text permits one further 12-month period, but extension involves additional assessment, referral and Tribunal consideration. [C_ZA-P03-C002–C007; S001 §87A(1)–(5)]. gov.zagov.za\n\nEXACT REUSABLE REPLACEMENT — P02 G2\n\n“Under the enacted 2019 text, whose current operative status remains unverified, proposed §87A allows the National Consumer Tribunal, following a qualifying referral from the National Credit Regulator and consideration of the required information, to reject a debt-intervention application or suspend all qualifying credit agreements, in part or in full, for 12 months, with required financial-literacy participation; one further 12-month suspension period may be considered subject to the statutory factors and subsequent reassessment and referral requirements.”\n\nThis wording corrects the duration without suggesting:\n\n- A discretionary shorter initial duration under §87A(2)(b)(i).\n- An automatic extension or a guaranteed two-year suspension.\n- Automatic extinguishment of a debt.\n- An application service currently available to the public.\n- Authority for a private debt negotiator to exercise the NCR’s or Tribunal’s functions.\n\nDisposition: Correct the P02 G2 narrative only. Retain C_ZA-P02-C014 because its existing phrase “conditional 12-month full/partial suspension and one additional 12-month period” is consistent with the enacted wording. [C_ZA-P03-C010]\n\n## 2. Narrow statutory reading\n\n### G1 — Duration, scope and decision-maker\n\nThe final Gazette is Government Gazette 42653, Government Notice 1086, dated 19 August 2019. Its explanatory page states that the earlier Gazette 42649 publication is withdrawn and replaced. The final text therefore supplies the controlling historical wording for this correction. [C_ZA-P03-C001; S001 PDF P1, Gazette p2]. gov.za\n\nInserted §87A(1) describes a referral under §86A(6)(e) considered by a member of the National Consumer Tribunal, with NCR documents and relevant credit-provider representations.\n\nUnder §87A(2), the Tribunal may reject the debt-intervention application or, instead, make the specified suspension order and require financial-literacy attendance.\n\nThree distinct statutory choices must not be flattened together:\n\n| Question | What the enacted text says | What must not be inferred |\n| --- | --- | --- |\n| Initial duration | For 12 months — §87A(2)(b)(i) | A general initial duration of 1–12 months |\n| Suspension scope | Qualifying agreements may be suspended in part or in full | That part/full means a shorter/longer duration |\n| Further period | One further 12-month period may be ordered, subject to the stated considerations and review/referral process | Automatic renewal or a two-year entitlement |\n\n[C_ZA-P03-C002, C003, C006, C007; S001 §§87A(2)–(5)]. gov.zagov.za\n\nSection 87A(3) requires the Tribunal to consider relevant factors when considering suspension, part suspension, alteration, extension or possible later extinguishment. The factors include circumstances and conduct of the applicant and affected credit providers. These are decision-making predicates, not a generic permission to shorten the initial statutory term. [C_ZA-P03-C006; S001 §87A(3), PDF P19 and P21, Gazette pp20,22]. gov.zagov.za\n\n### G2 — Subsequent review does not make relief automatic\n\nThe enacted §87A(5) would require the NCR to review financial circumstances eight months after an initial suspension order. Depending on the resulting assessment, the NCR would refer the matter for possible rearrangement or for the Tribunal to consider extension. If an extension were ordered, another review would occur eight months into that further period. [C_ZA-P03-C007, C008; S001 §87A(5)]. gov.za\n\nPotential extinguishment belongs to a later, separately conditioned decision under §87A(5)(c) and (6)–(9). It requires further referral, consideration of continuing financial insufficiency and statutory factors, and a Tribunal order. It does not follow automatically from either suspension period. [C_ZA-P03-C008; S001 PDF P21/P23, Gazette pp22/24]. gov.za\n\nThose eight-month intervals are descriptions of the 2019 enacted mechanism, not current filing dates or proof that a live scheme exists.\n\n### Preserved commencement boundary\n\nSection 32 provides commencement by a date fixed by the President through proclamation in the Gazette. The government's Act-listing page reproduces that requirement, but neither the 2019 Gazette's publication date nor the listing establishes an actual commencement proclamation. [C_ZA-P03-C009; S001 §32; S002]. gov.zaSouth African Government\n\nThis pass deliberately did not repeat P02's proclamation search or conduct a full post-2019 amendment search. Accordingly, P01 C032/C045 and P02's unknown-operative-status and publication holds remain unchanged. That is not a finding that no proclamation exists.\n\nThe separate P01 C038 proposition regarding existing NCA §§86–87 debt review—referring to a competent Tribunal or court, depending on the relevant route—is also preserved verbatim in substance. This P03 reading of proposed §87A must not become a claim that the Tribunal is the only possible decision-maker under the entire debt-review system.\n\n## 3. Complete source register\n\n`PDF P` is the zero-based PDF page index; `GG p` is the separately printed Government Gazette page. Source IDs in this pass are independent of inherited P01/P02 IDs.\n\n| Source ID | Issuer, body and full literal direct URL | Exact pinpoints read | Publication, commencement and evidence status | Fresh access, scope and limitations |\n| --- | --- | --- | --- | --- |\n| C_ZA-P03-S001 | The Presidency / Government Gazette. National Credit Amendment Act 7 of 2019, GoN 1086, GG 42653, 19 August 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) | Replacement notice PDF P1 / GG p2; inserted §87A(1)–(3), PDF P19 / GG p20; continued §87A(3), (5), PDF P21 / GG p22; §87A(6)–(9), PDF P23 / GG p24; §32, PDF P41 / GG p42. Linked §86A(6)(e) referral text checked at PDF P15 / GG p16. | Enacted and published in August 2019. §32 requires a presidential proclamation for commencement. Present operation not established by this pass. Final replacement publication identified; not treated as a current consolidated NCA. | Fresh primary PDF body opened and read, 26 Oct 2026 PDT / 27 Oct 2026 UTC. Read only listed provisions and immediate context needed for the sentence correction. No exhaustive later-amendment, rule or proclamation verification. |\n| C_ZA-P03-S002 | South African Government. National Credit Amendment Act 7 of 2019 (English / isiZulu), official Act-listing page. [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 title, attached final Gazette PDF, description and “Commencement” field; PDF index and printed page not applicable to this HTML page. | Official metadata/legislative discovery record stating proclamation commencement. Not itself a proclamation, instrument specifying a start date, or proof of current operation. | Freshly opened, 26 Oct 2026 PDT / 27 Oct 2026 UTC. Only the indicated HTML fields used; no inference from publication metadata to commencement. |\n\nThe inherited C_ZA-P02-S001 and its pinpoints are preserved as supplied prior researcher attribution, not relabelled as a separate new P03 source. S001 above is the independently reopened final PDF. No failed-fetch source was used to bound a new search, because this pass did not undertake one.\n\n## 4. Complete atomic claim and evidence register\n\nAll references to §87A describe the enacted 2019 text, with present operation unverified unless otherwise stated.\n\n| Claim ID | Exact bounded proposition | Primary source and pinpoint | Actors, predicates, required action, consequence and limits |\n| --- | --- | --- | --- |\n| C_ZA-P03-C001 | GG 42653/GoN 1086 is the final 19 August 2019 publication replacing GG 42649 for Act 7 of 2019. | S001, PDF P0–1, GG cover/p2, withdrawal-and-replacement statement. | Historical source-identity fact. Does not itself establish commencement or current consolidated wording. |\n| C_ZA-P03-C002 | Inserted §87A(2)(b)(i) specifies an initial suspension for 12 months; it does not say “up to 12 months.” | S001 §87A(2)(b)(i), PDF P19 / GG p20. | Tribunal order following the §87A(1) referral and consideration. Exact enacted duration; no current individual entitlement or operative-status determination. |\n| C_ZA-P03-C003 | “In part or in full” qualifies the extent of suspension of qualifying agreements, not the 12-month duration. | S001 §87A(2)(b)(i), PDF P19 / GG p20. | Scope/duration distinction. Does not authorize a reader to assume that any particular agreement qualifies or that only selected agreements may be disregarded. |\n| C_ZA-P03-C004 | After the specified NCR referral and consideration of relevant information, the Tribunal may reject the application or make the stated conditional suspension order. | S001 §§86A(6)(e), 87A(1)–(2), PDF P15/P19, GG pp16/20. | NCR referral, supporting documents, representations and Tribunal consideration are predicates. No direct private-adviser power or guaranteed order follows. |\n| C_ZA-P03-C005 | A suspension decision under §87A(2)(b) carries a requirement that the applicant attend a financial-literacy programme. | S001 §87A(2)(b)(ii), PDF P19 / GG p20. | Applicant participation requirement attached to the described order; prescribed operational programme details and actual availability not verified. |\n| C_ZA-P03-C006 | §87A(2)(b)(i) contemplates one further 12-month period, taking account of §87A(3) factors. Extension is discretionary, not automatic. | S001 §§87A(2)(b)(i), (3), PDF P19/P21, GG pp20/22. | Tribunal must consider relevant factors; later review/referral route in §87A(5) is also material. No two-year entitlement. |\n| C_ZA-P03-C007 | The enacted §87A(5)(a)–(b) requires an NCR financial review eight months after the initial order, leading to a prescribed referral for rearrangement if feasible or a referral for the Tribunal to consider extension if not. | S001 §87A(5)(a)–(b), PDF P21 / GG p22. | Clock is relative to a qualifying order, not a published filing calendar. Outcome depends on income/assets assessment and subsequent Tribunal decision. Current implementation unverified. |\n| C_ZA-P03-C008 | An ordered extension triggers a later NCR review; continued insufficiency can lead to a further referral, but any extinguishment is subject to §87A(6)–(9) and a separate discretionary Tribunal order. | S001 §§87A(5)(c)–(d), (6)–(9), PDF P21/P23, GG pp22/24. | No automatic debt cancellation, extinction of security, or guaranteed discharge is established by the 12-month wording. |\n| C_ZA-P03-C009 | Act 7 of 2019 §32 specifies presidential-proclamation commencement. The bodies examined in this pass do not establish an operative proclamation, a present consumer application service or a complete implementation chain. | S001 §32, PDF P41 / GG p42; S002 HTML commencement field. | The statutory commencement mechanism is answered; present status remains unresolved, rather than affirmatively uncommenced. Later instruments were outside P03's search scope. |\n| C_ZA-P03-C010 | P02 G2's “initially up to 12 months” narrative requires correction, but supplied P02 C014 already accurately describes a conditional 12-month full/partial suspension and possible additional 12-month period. | S001 §87A(2)(b)(i), PDF P19 / GG p20; supplied verbatim C_ZA-P02-C014 row. | Editorial reconciliation of two supplied P02 statements. Correct the narrative only; retain C014's substantive wording and its operative-status limit. |\n| C_ZA-P03-C011 | The P01 C038 Tribunal-or-court debt-review boundary and C032/C045 unknown-operative-status safeguards remain unmodified; this pass cannot freshly certify every underlying original §§86–87 claim. | Supplied P01 C038/C032/C045 and P02 context; S001 §87A(1)–(2) and §32, PDF P19/P41. | Preservation/scope claim, not fresh verification of the broader debt-review framework. No exclusive-current-forum inference or country acceptance. |\n\n## 5. Actual old-to-new correction disposition\n\n| Target | Original supplied wording/status | P03 action and exact replacement or retention | Evidentiary justification |\n| --- | --- | --- | --- |\n| P02 G2 narrative sentence | “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.” | CORRECTED. Replace with the exact reusable sentence in §1 above. Remove “initially up to 12 months.” | S001 §87A(2)(b)(i) specifies for 12 months; §§87A(3), (5) qualify extension. C002, C003, C006, C007, C010. |\n| C_ZA-P02-C014 — exact supplied claim | “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.” | RETAIN UNCHANGED, including its express conclusion: “Operative status unknown.” | The claim correctly uses 12-month, distinguishes full/partial suspension and conditions later relief. S001 PDF P19, P21, P23 / GG pp20,22,24. C002–C010. |\n| P01 C032 and C045 | §32 requires proclamation; none was established by the prior bounded research. Advertised operative relief remains on hold. | RETAIN UNCHANGED. No new claim of commenced or permanently uncommenced status. | S001 §32 PDF P41 / GG p42 and S002 official metadata. C009, C011. No new proclamation search was performed. |\n| P01 C038 | Existing NCA §§86–87 debt review involves a competent Tribunal or court according to the applicable route; private workouts cannot claim statutory procedural status. | RETAIN UNCHANGED. No recasting of the whole debt-review system as exclusively Tribunal-based. | Supplied P01 source/claim attribution; P03 reviewed only the distinct inserted §87A provisions. C011. |\n\nNo original P01/P02 evidence is silently overwritten. The P03 source register is an additional, dated primary check of the narrow sentence.\n\n## 6. Two invented classification examples\n\nThese are fictional editorial tests, not real borrower or provider situations and not assertions that the scheme presently operates.\n\n### Example 1 — Fixed wording without automatic benefit\n\nAssumed facts: An article quotes the enacted 2019 §87A(2)(b)(i), but has no independently established proclamation, operational procedure or individual Tribunal order.\n\n- Incorrect statement: “A qualified person may choose an initial suspension of up to 12 months and automatically renew it once.”\n- Permissible statement: “The enacted text describes a possible Tribunal-ordered 12-month suspension, with one further 12-month period subject to separate requirements; its present operation has not been established.”\n- Adverse branch: The Tribunal may reject the application. No later extension follows merely because an initial order was hypothetically made.\n- Missing proof: Relevant commencement instrument, presently applicable rules and procedures, qualification findings and actual Tribunal decisions.\n- Evidence: C002, C004, C006, C007, C009; S001 §§87A(1)–(5), 32.\n\n### Example 2 — Agreement scope is different from time\n\nAssumed facts: A fictional statutory referral identifies three agreements solely for illustrating the grammar. No assertion is made that any one is legally qualifying.\n\n- Question A — extent: Would the contemplated order suspend relevant obligations under qualifying agreements completely or only partly?\n- Question B — duration: If the enacted §87A(2)(b)(i) suspension were ordered, what initial duration does that subsection state?\n\nCorrect classification: A addresses “in part or in full”. B answers 12 months. A partial suspension does not mean “six months,” and a full suspension does not establish a longer initial period.\n\nAdverse branch: One or more agreements might fail the underlying qualification test, or the Tribunal might reject the application. This example supplies neither an operative procedure nor an individual entitlement.\n\nMissing proof: Actual applicability and qualification of the agreements, current commencement/implementation, referral materials and Tribunal order.\n\nEvidence: C002–C004, C009; S001 §87A(1)–(2).\n\n## 7. Complete granular P03 coverage and deferral register\n\nMeaning of status: `answered` applies only to the tightly framed historical-text or editorial-reconciliation question; it never means “the current debt-intervention service was verified.” `partial` and `unresolved` preserve explicit evidence gaps.\n\n| Row | G1/G2 subquestion or retained boundary | Status | Finding and exact claim IDs | Missing evidence / next bounded action |\n| --- | --- | --- | --- | --- |\n| P03-001 | G1: Identify final Gazette versus earlier publication | answered | GG 42653 replaces 42649. C001 | No further source-identity question within P03. |\n| P03-002 | G1: Exact initial §87A(2)(b)(i) duration | answered | For 12 months, not general “up to.” C002 | Later applicable textual variation not examined; see P03-012. |\n| P03-003 | G1: Meaning of “in part or in full” | answered | Suspension extent, not duration. C003 | Individual agreement coverage outside scope. |\n| P03-004 | G1: Reject versus suspend | answered | Tribunal has stated statutory alternatives after consideration. C004 | Individual applications/orders unavailable and not sought. |\n| P03-005 | G1: NCR referral and supporting representations | answered | §86A(6)(e), §87A(1) predicates identified. C004 | Present prescribed forms and practice excluded. |\n| P03-006 | G1: Financial-literacy condition | answered | §87A(2)(b)(ii) condition identified. C005 | Current prescribed programme and availability not checked. |\n| P03-007 | G1: One further period and discretion | answered | Possible further 12-month period; not automatic. C006 | Operative order/actual extension excluded. |\n| P03-008 | G1: Factors under §87A(3) | answered | Tribunal's relevant-factor consideration retained. C006 | Full merits/factor analysis outside narrow scope. |\n| P03-009 | G1: Initial §87A(5) reassessment | answered | Conditional NCR review eight months after the hypothetical order. C007 | No real calendar calculation or implementation proof. |\n| P03-010 | G1: Extension referral/decision | answered | NCR referral precedes Tribunal consideration; not automatic. C006, C007 | Operational procedures not checked. |\n| P03-011 | G1: Extended-period review and possible extinguishment | answered | Separate review, referral and order predicates. C008 | Full extinguishment/discharge effects deferred. |\n| P03-012 | G1: Later amendment or currently consolidated variation of duration | unresolved | Final 2019 enacted wording verified only. C002, C009 | Retrieve and compare relevant post-2019 amending Acts/commencement and current authoritative consolidation, if a later pass is authorized. |\n| P03-013 | G1: §32 statutory commencement mechanism | answered | Presidential proclamation required. C009 | Operative instrument is separate unresolved question. |\n| P03-014 | G2: Automatic initial relief | answered | Statutory wording gives Tribunal a decision, not automatic relief. C004 | Individual facts/orders excluded. |\n| P03-015 | G2: Automatic second period/two-year entitlement | answered | Additional period is conditional and discretionary. C006, C007 | No scheme availability determination. |\n| P03-016 | G2: Automatic cancellation/extinguishment | answered | Further predicates and separate Tribunal order required in enacted text. C008 | Broader debt, security, judgment and discharge effects deferred. |\n| P03-017 | G2: Current consumer application availability | unresolved | Not established. C009 | Commencement and implementing-instrument chain required; not searched anew. |\n| P03-018 | G2: Private adviser or commercial firm's authority under §87A | excluded_with_reason | No such authority is inferred from the corrected sentence. C004, C009 | Preserve P01 provider-perimeter work; separate current capacity proof. |\n| P03-019 | G2: P02 narrative versus C014 | answered | Narrative corrected; C014 retained. C002, C010 | None for this narrow historical-text mismatch. |\n| P03-020 | G2: P01 existing debt review / competent court or Tribunal boundary | partial | Preserve Tribunal or court original wording. C011 | No fresh comprehensive §§86–87 source review in P03. |\n| P03-021 | G2: Publication-safe description | answered | Descriptive 2019 enacted-text wording with explicit unknown operation. C002, C006, C009, C010 | Do not publish current-benefit or eligibility promises. |\n| P03-022 | G2: Exhaustiveness of P03 currentness checking | answered | Explicitly non-exhaustive. C009, C011 | Targeted post-2019 legislative/currentness search remains outstanding. |\n| P03-023 | Deferred: Proclamation/current implementation | unresolved | §32 mechanism known; actual operative chain not established here. C009 | Locate authenticated presidential proclamation, affected sections and implementing instruments; separate pass. |\n| P03-024 | Deferred: Current eligibility/income/debt thresholds | excluded_with_reason | No current qualifying figure or threshold endorsed. C009 | Revalidate commenced definition, §86A scope, any adjustment notices. |\n| P03-025 | Deferred: Forms and consumer application machinery | excluded_with_reason | No current filing process endorsed. C004, C009 | Obtain currently operative prescribed forms/rules and service evidence. |\n| P03-026 | Deferred: Appointments, designations and institutional capacity | excluded_with_reason | No officer or service capacity certified. C004, C009 | Verify actual appointments/designations and lawful procedural authority. |\n| P03-027 | Deferred: Full statutory debt review under §§86–87 | excluded_with_reason | Existing P01 C038 preserved. C011 | Reopen current consolidated NCA and relevant rules independently. |\n| P03-028 | Deferred: Consumer fees and fee timing | excluded_with_reason | No fee rule or price represented. C009 | Dedicated fees investigation. |\n| P03-029 | Deferred: Contracts and disclosures | excluded_with_reason | No consumer contract assessed. C009 | Dedicated contract/conduct investigation. |\n| P03-030 | Deferred: Client funds and payment safeguarding | excluded_with_reason | No permission to receive/distribute money inferred. C009 | Dedicated funds/payment actor investigation. |\n| P03-031 | Deferred: Remedies, challenges and redress | excluded_with_reason | No individual remedy or provider-violation effect established. C008, C009 | Separate remedies/court/regulator research. |\n| P03-032 | Deferred: Provincial application and authorities | excluded_with_reason | No all-nine-provinces examination or acceptance. C009 | Reuse P01 geographic hold; investigate actual differentiated law if material. |\n| P03-033 | Deferred: Municipal/local rules and forums | excluded_with_reason | No municipal, local court or sector practice certified. C009, C011 | Separate locality/actual forum research. |\n| P03-034 | Deferred: Foreign law and cross-border recognition | excluded_with_reason | No cross-border conclusion. C009 | Preserve A098 and foreign-law hold. |\n| P03-035 | Deferred: Remaining provider, collection, debt-type, security, insolvency, enforcement and other P01 domains | excluded_with_reason | Unaltered by duration-language correction. C010, C011 | Maintain the original specific P01 coverage gaps and research gates. |\n| P03-036 | Deferred: Whole-country acceptance; A097/A098 | excluded_with_reason | No acceptance of country, provider-perimeter component, A097 or A098. C009–C011 | Coordinator must separately review and accept each required area, if warranted. |\n\n## 8. Search/read audit and researcher self-check\n\n| Check | Actual result |\n| --- | --- |\n| Primary final Act body | Freshly reopened and read: GG 42653, GoN 1086, especially §87A(1)–(3), (5)–(9), §32. |\n| Official Act listing | Freshly opened; treated as metadata and an access point, not a proclamation. |\n| Earlier GG 42649 | Final Gazette's express withdrawal/replacement read. No additional comparison needed for this single correction. |\n| Proclamation-chain search | Not repeated, expressly outside P03 scope. P02 unknown-status hold preserved. |\n| Later amendments and consolidated 2026 law | Not exhaustively searched or certified. |\n| Failed fetches or alternate sources needed | None for the two bodies relied upon here. |\n| Named person/provider/borrower/case or licence searches | None. |\n| Applications, contacts, submissions, accounts, purchases or publications | None. |\n| Local file or library write | None. |\n\n### Actual visible-row counts\n\n- Source register: 2 rows — `C_ZA-P03-S001` through `S002`.\n- Atomic claim register: 11 rows — `C_ZA-P03-C001` through `C011`.\n- Old-to-new disposition: 4 rows.\n- Coverage/deferral register: 36 rows — `P03-001` through `P03-036`.\n- Invented classification examples: 2.\n\n### Consistency check\n\n- Duration: Every newly authored description of the initial §87A(2)(b)(i) suspension uses 12 months, not a variable “up to” duration.\n- Scope: Partial/full suspension is kept separate from duration.\n- Extension: One possible further 12-month period, subject to separate statutory conditions; no automatic continuation.\n- Relief: No automatic extinguishment, guaranteed discharge or personal entitlement.\n- Commencement: Publication and official listing are not equated with an operative proclamation.\n- Prior work: P02 C014, P01 C032/C045, and P01 C038's Tribunal-or-court wording remain intact.\n- Evidence level: Historical enacted-text correction only; no full 2026-current-law or procedural certification.\n\n### Exact next research question, if separately authorized\n\nDid a valid presidential proclamation commence the relevant provisions of National Credit Amendment Act 7 of 2019, particularly inserted §87A(2)(b)(i), and has any subsequently commenced amendment altered its precise duration wording?\n\nThat question requires the actual proclamation and relevant later enacted/commenced bodies. It is not answered merely by this correction.\n\nP03 disposition: One P02 narrative sentence corrected; C014 retained; all operative-status and whole-country holds preserved. No independent-review or country-acceptance claim.\n\nEND C_ZA PASS-03\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Question","What the enacted text says","What must not be inferred"],["Initial duration","For 12 months — §87A(2)(b)(i)","A general initial duration of 1–12 months"],["Suspension scope","Qualifying agreements may be suspended in part or in full","That part/full means a shorter/longer duration"],["Further period","One further 12-month period may be ordered, subject to the stated considerations and review/referral process","Automatic renewal or a two-year entitlement"]]},{"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/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"}],"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/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"}]],"rows":[["Source ID","Issuer, body and full literal direct URL","Exact pinpoints read","Publication, commencement and evidence status","Fresh access, scope and limitations"],["C_ZA-P03-S001","The Presidency / Government Gazette. National Credit Amendment Act 7 of 2019, GoN 1086, GG 42653, 19 August 2019. https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf","Replacement notice PDF P1 / GG p2; inserted §87A(1)–(3), PDF P19 / GG p20; continued §87A(3), (5), PDF P21 / GG p22; §87A(6)–(9), PDF P23 / GG p24; §32, PDF P41 / GG p42. Linked §86A(6)(e) referral text checked at PDF P15 / GG p16.","Enacted and published in August 2019. §32 requires a presidential proclamation for commencement. Present operation not established by this pass. Final replacement publication identified; not treated as a current consolidated NCA.","Fresh primary PDF body opened and read, 26 Oct 2026 PDT / 27 Oct 2026 UTC. Read only listed provisions and immediate context needed for the sentence correction. No exhaustive later-amendment, rule or proclamation verification."],["C_ZA-P03-S002","South African Government. National Credit Amendment Act 7 of 2019 (English / isiZulu), official Act-listing page. https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019","HTML title, attached final Gazette PDF, description and “Commencement” field; PDF index and printed page not applicable to this HTML page.","Official metadata/legislative discovery record stating proclamation commencement. Not itself a proclamation, instrument specifying a start date, or proof of current operation.","Freshly opened, 26 Oct 2026 PDT / 27 Oct 2026 UTC. Only the indicated HTML fields used; no inference from publication metadata to commencement."]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact bounded proposition","Primary source and pinpoint","Actors, predicates, required action, consequence and limits"],["C_ZA-P03-C001","GG 42653/GoN 1086 is the final 19 August 2019 publication replacing GG 42649 for Act 7 of 2019.","S001, PDF P0–1, GG cover/p2, withdrawal-and-replacement statement.","Historical source-identity fact. Does not itself establish commencement or current consolidated wording."],["C_ZA-P03-C002","Inserted §87A(2)(b)(i) specifies an initial suspension for 12 months; it does not say “up to 12 months.”","S001 §87A(2)(b)(i), PDF P19 / GG p20.","Tribunal order following the §87A(1) referral and consideration. Exact enacted duration; no current individual entitlement or operative-status determination."],["C_ZA-P03-C003","“In part or in full” qualifies the extent of suspension of qualifying agreements, not the 12-month duration.","S001 §87A(2)(b)(i), PDF P19 / GG p20.","Scope/duration distinction. Does not authorize a reader to assume that any particular agreement qualifies or that only selected agreements may be disregarded."],["C_ZA-P03-C004","After the specified NCR referral and consideration of relevant information, the Tribunal may reject the application or make the stated conditional suspension order.","S001 §§86A(6)(e), 87A(1)–(2), PDF P15/P19, GG pp16/20.","NCR referral, supporting documents, representations and Tribunal consideration are predicates. No direct private-adviser power or guaranteed order follows."],["C_ZA-P03-C005","A suspension decision under §87A(2)(b) carries a requirement that the applicant attend a financial-literacy programme.","S001 §87A(2)(b)(ii), PDF P19 / GG p20.","Applicant participation requirement attached to the described order; prescribed operational programme details and actual availability not verified."],["C_ZA-P03-C006","§87A(2)(b)(i) contemplates one further 12-month period, taking account of §87A(3) factors. Extension is discretionary, not automatic.","S001 §§87A(2)(b)(i), (3), PDF P19/P21, GG pp20/22.","Tribunal must consider relevant factors; later review/referral route in §87A(5) is also material. No two-year entitlement."],["C_ZA-P03-C007","The enacted §87A(5)(a)–(b) requires an NCR financial review eight months after the initial order, leading to a prescribed referral for rearrangement if feasible or a referral for the Tribunal to consider extension if not.","S001 §87A(5)(a)–(b), PDF P21 / GG p22.","Clock is relative to a qualifying order, not a published filing calendar. Outcome depends on income/assets assessment and subsequent Tribunal decision. Current implementation unverified."],["C_ZA-P03-C008","An ordered extension triggers a later NCR review; continued insufficiency can lead to a further referral, but any extinguishment is subject to §87A(6)–(9) and a separate discretionary Tribunal order.","S001 §§87A(5)(c)–(d), (6)–(9), PDF P21/P23, GG pp22/24.","No automatic debt cancellation, extinction of security, or guaranteed discharge is established by the 12-month wording."],["C_ZA-P03-C009","Act 7 of 2019 §32 specifies presidential-proclamation commencement. The bodies examined in this pass do not establish an operative proclamation, a present consumer application service or a complete implementation chain.","S001 §32, PDF P41 / GG p42; S002 HTML commencement field.","The statutory commencement mechanism is answered; present status remains unresolved, rather than affirmatively uncommenced. Later instruments were outside P03's search scope."],["C_ZA-P03-C010","P02 G2's “initially up to 12 months” narrative requires correction, but supplied P02 C014 already accurately describes a conditional 12-month full/partial suspension and possible additional 12-month period.","S001 §87A(2)(b)(i), PDF P19 / GG p20; supplied verbatim C_ZA-P02-C014 row.","Editorial reconciliation of two supplied P02 statements. Correct the narrative only; retain C014's substantive wording and its operative-status limit."],["C_ZA-P03-C011","The P01 C038 Tribunal-or-court debt-review boundary and C032/C045 unknown-operative-status safeguards remain unmodified; this pass cannot freshly certify every underlying original §§86–87 claim.","Supplied P01 C038/C032/C045 and P02 context; S001 §87A(1)–(2) and §32, PDF P19/P41.","Preservation/scope claim, not fresh verification of the broader debt-review framework. No exclusive-current-forum inference or country acceptance."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Target","Original supplied wording/status","P03 action and exact replacement or retention","Evidentiary justification"],["P02 G2 narrative sentence","“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.”","CORRECTED. Replace with the exact reusable sentence in §1 above. Remove “initially up to 12 months.”","S001 §87A(2)(b)(i) specifies for 12 months; §§87A(3), (5) qualify extension. C002, C003, C006, C007, C010."],["C_ZA-P02-C014 — exact supplied claim","“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.”","RETAIN UNCHANGED, including its express conclusion: “Operative status unknown.”","The claim correctly uses 12-month, distinguishes full/partial suspension and conditions later relief. S001 PDF P19, P21, P23 / GG pp20,22,24. C002–C010."],["P01 C032 and C045","§32 requires proclamation; none was established by the prior bounded research. Advertised operative relief remains on hold.","RETAIN UNCHANGED. No new claim of commenced or permanently uncommenced status.","S001 §32 PDF P41 / GG p42 and S002 official metadata. C009, C011. No new proclamation search was performed."],["P01 C038","Existing NCA §§86–87 debt review involves a competent Tribunal or court according to the applicable route; private workouts cannot claim statutory procedural status.","RETAIN UNCHANGED. No recasting of the whole debt-review system as exclusively Tribunal-based.","Supplied P01 source/claim attribution; P03 reviewed only the distinct inserted §87A provisions. C011."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","G1/G2 subquestion or retained boundary","Status","Finding and exact claim IDs","Missing evidence / next bounded action"],["P03-001","G1: Identify final Gazette versus earlier publication","answered","GG 42653 replaces 42649. C001","No further source-identity question within P03."],["P03-002","G1: Exact initial §87A(2)(b)(i) duration","answered","For 12 months, not general “up to.” C002","Later applicable textual variation not examined; see P03-012."],["P03-003","G1: Meaning of “in part or in full”","answered","Suspension extent, not duration. C003","Individual agreement coverage outside scope."],["P03-004","G1: Reject versus suspend","answered","Tribunal has stated statutory alternatives after consideration. C004","Individual applications/orders unavailable and not sought."],["P03-005","G1: NCR referral and supporting representations","answered","§86A(6)(e), §87A(1) predicates identified. C004","Present prescribed forms and practice excluded."],["P03-006","G1: Financial-literacy condition","answered","§87A(2)(b)(ii) condition identified. C005","Current prescribed programme and availability not checked."],["P03-007","G1: One further period and discretion","answered","Possible further 12-month period; not automatic. C006","Operative order/actual extension excluded."],["P03-008","G1: Factors under §87A(3)","answered","Tribunal's relevant-factor consideration retained. C006","Full merits/factor analysis outside narrow scope."],["P03-009","G1: Initial §87A(5) reassessment","answered","Conditional NCR review eight months after the hypothetical order. C007","No real calendar calculation or implementation proof."],["P03-010","G1: Extension referral/decision","answered","NCR referral precedes Tribunal consideration; not automatic. C006, C007","Operational procedures not checked."],["P03-011","G1: Extended-period review and possible extinguishment","answered","Separate review, referral and order predicates. C008","Full extinguishment/discharge effects deferred."],["P03-012","G1: Later amendment or currently consolidated variation of duration","unresolved","Final 2019 enacted wording verified only. C002, C009","Retrieve and compare relevant post-2019 amending Acts/commencement and current authoritative consolidation, if a later pass is authorized."],["P03-013","G1: §32 statutory commencement mechanism","answered","Presidential proclamation required. C009","Operative instrument is separate unresolved question."],["P03-014","G2: Automatic initial relief","answered","Statutory wording gives Tribunal a decision, not automatic relief. C004","Individual facts/orders excluded."],["P03-015","G2: Automatic second period/two-year entitlement","answered","Additional period is conditional and discretionary. C006, C007","No scheme availability determination."],["P03-016","G2: Automatic cancellation/extinguishment","answered","Further predicates and separate Tribunal order required in enacted text. C008","Broader debt, security, judgment and discharge effects deferred."],["P03-017","G2: Current consumer application availability","unresolved","Not established. C009","Commencement and implementing-instrument chain required; not searched anew."],["P03-018","G2: Private adviser or commercial firm's authority under §87A","excluded_with_reason","No such authority is inferred from the corrected sentence. C004, C009","Preserve P01 provider-perimeter work; separate current capacity proof."],["P03-019","G2: P02 narrative versus C014","answered","Narrative corrected; C014 retained. C002, C010","None for this narrow historical-text mismatch."],["P03-020","G2: P01 existing debt review / competent court or Tribunal boundary","partial","Preserve Tribunal or court original wording. C011","No fresh comprehensive §§86–87 source review in P03."],["P03-021","G2: Publication-safe description","answered","Descriptive 2019 enacted-text wording with explicit unknown operation. C002, C006, C009, C010","Do not publish current-benefit or eligibility promises."],["P03-022","G2: Exhaustiveness of P03 currentness checking","answered","Explicitly non-exhaustive. C009, C011","Targeted post-2019 legislative/currentness search remains outstanding."],["P03-023","Deferred: Proclamation/current implementation","unresolved","§32 mechanism known; actual operative chain not established here. C009","Locate authenticated presidential proclamation, affected sections and implementing instruments; separate pass."],["P03-024","Deferred: Current eligibility/income/debt thresholds","excluded_with_reason","No current qualifying figure or threshold endorsed. C009","Revalidate commenced definition, §86A scope, any adjustment notices."],["P03-025","Deferred: Forms and consumer application machinery","excluded_with_reason","No current filing process endorsed. C004, C009","Obtain currently operative prescribed forms/rules and service evidence."],["P03-026","Deferred: Appointments, designations and institutional capacity","excluded_with_reason","No officer or service capacity certified. C004, C009","Verify actual appointments/designations and lawful procedural authority."],["P03-027","Deferred: Full statutory debt review under §§86–87","excluded_with_reason","Existing P01 C038 preserved. C011","Reopen current consolidated NCA and relevant rules independently."],["P03-028","Deferred: Consumer fees and fee timing","excluded_with_reason","No fee rule or price represented. C009","Dedicated fees investigation."],["P03-029","Deferred: Contracts and disclosures","excluded_with_reason","No consumer contract assessed. C009","Dedicated contract/conduct investigation."],["P03-030","Deferred: Client funds and payment safeguarding","excluded_with_reason","No permission to receive/distribute money inferred. C009","Dedicated funds/payment actor investigation."],["P03-031","Deferred: Remedies, challenges and redress","excluded_with_reason","No individual remedy or provider-violation effect established. C008, C009","Separate remedies/court/regulator research."],["P03-032","Deferred: Provincial application and authorities","excluded_with_reason","No all-nine-provinces examination or acceptance. C009","Reuse P01 geographic hold; investigate actual differentiated law if material."],["P03-033","Deferred: Municipal/local rules and forums","excluded_with_reason","No municipal, local court or sector practice certified. C009, C011","Separate locality/actual forum research."],["P03-034","Deferred: Foreign law and cross-border recognition","excluded_with_reason","No cross-border conclusion. C009","Preserve A098 and foreign-law hold."],["P03-035","Deferred: Remaining provider, collection, debt-type, security, insolvency, enforcement and other P01 domains","excluded_with_reason","Unaltered by duration-language correction. C010, C011","Maintain the original specific P01 coverage gaps and research gates."],["P03-036","Deferred: Whole-country acceptance; A097/A098","excluded_with_reason","No acceptance of country, provider-perimeter component, A097 or A098. C009–C011","Coordinator must separately review and accept each required area, if warranted."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Actual result"],["Primary final Act body","Freshly reopened and read: GG 42653, GoN 1086, especially §87A(1)–(3), (5)–(9), §32."],["Official Act listing","Freshly opened; treated as metadata and an access point, not a proclamation."],["Earlier GG 42649","Final Gazette's express withdrawal/replacement read. No additional comparison needed for this single correction."],["Proclamation-chain search","Not repeated, expressly outside P03 scope. P02 unknown-status hold preserved."],["Later amendments and consolidated 2026 law","Not exhaustively searched or certified."],["Failed fetches or alternate sources needed","None for the two bodies relied upon here."],["Named person/provider/borrower/case or licence searches","None."],["Applications, contacts, submissions, accounts, purchases or publications","None."],["Local file or library write","None."]]}],"claims":[{"claim_id":"C_ZA-P03-C001","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C001","Exact bounded proposition":"GG 42653/GoN 1086 is the final 19 August 2019 publication replacing GG 42649 for Act 7 of 2019.","Primary source and pinpoint":"S001, PDF P0–1, GG cover/p2, withdrawal-and-replacement statement.","Actors, predicates, required action, consequence and limits":"Historical source-identity fact. Does not itself establish commencement or current consolidated wording."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C002","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C002","Exact bounded proposition":"Inserted §87A(2)(b)(i) specifies an initial suspension for 12 months; it does not say “up to 12 months.”","Primary source and pinpoint":"S001 §87A(2)(b)(i), PDF P19 / GG p20.","Actors, predicates, required action, consequence and limits":"Tribunal order following the §87A(1) referral and consideration. Exact enacted duration; no current individual entitlement or operative-status determination."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C003","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C003","Exact bounded proposition":"“In part or in full” qualifies the extent of suspension of qualifying agreements, not the 12-month duration.","Primary source and pinpoint":"S001 §87A(2)(b)(i), PDF P19 / GG p20.","Actors, predicates, required action, consequence and limits":"Scope/duration distinction. Does not authorize a reader to assume that any particular agreement qualifies or that only selected agreements may be disregarded."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C004","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C004","Exact bounded proposition":"After the specified NCR referral and consideration of relevant information, the Tribunal may reject the application or make the stated conditional suspension order.","Primary source and pinpoint":"S001 §§86A(6)(e), 87A(1)–(2), PDF P15/P19, GG pp16/20.","Actors, predicates, required action, consequence and limits":"NCR referral, supporting documents, representations and Tribunal consideration are predicates. No direct private-adviser power or guaranteed order follows."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C005","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C005","Exact bounded proposition":"A suspension decision under §87A(2)(b) carries a requirement that the applicant attend a financial-literacy programme.","Primary source and pinpoint":"S001 §87A(2)(b)(ii), PDF P19 / GG p20.","Actors, predicates, required action, consequence and limits":"Applicant participation requirement attached to the described order; prescribed operational programme details and actual availability not verified."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C006","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C006","Exact bounded proposition":"§87A(2)(b)(i) contemplates one further 12-month period, taking account of §87A(3) factors. Extension is discretionary, not automatic.","Primary source and pinpoint":"S001 §§87A(2)(b)(i), (3), PDF P19/P21, GG pp20/22.","Actors, predicates, required action, consequence and limits":"Tribunal must consider relevant factors; later review/referral route in §87A(5) is also material. No two-year entitlement."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C007","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C007","Exact bounded proposition":"The enacted §87A(5)(a)–(b) requires an NCR financial review eight months after the initial order, leading to a prescribed referral for rearrangement if feasible or a referral for the Tribunal to consider extension if not.","Primary source and pinpoint":"S001 §87A(5)(a)–(b), PDF P21 / GG p22.","Actors, predicates, required action, consequence and limits":"Clock is relative to a qualifying order, not a published filing calendar. Outcome depends on income/assets assessment and subsequent Tribunal decision. Current implementation unverified."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C008","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C008","Exact bounded proposition":"An ordered extension triggers a later NCR review; continued insufficiency can lead to a further referral, but any extinguishment is subject to §87A(6)–(9) and a separate discretionary Tribunal order.","Primary source and pinpoint":"S001 §§87A(5)(c)–(d), (6)–(9), PDF P21/P23, GG pp22/24.","Actors, predicates, required action, consequence and limits":"No automatic debt cancellation, extinction of security, or guaranteed discharge is established by the 12-month wording."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C009","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C009","Exact bounded proposition":"Act 7 of 2019 §32 specifies presidential-proclamation commencement. The bodies examined in this pass do not establish an operative proclamation, a present consumer application service or a complete implementation chain.","Primary source and pinpoint":"S001 §32, PDF P41 / GG p42; S002 HTML commencement field.","Actors, predicates, required action, consequence and limits":"The statutory commencement mechanism is answered; present status remains unresolved, rather than affirmatively uncommenced. Later instruments were outside P03's search scope."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C010","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C010","Exact bounded proposition":"P02 G2's “initially up to 12 months” narrative requires correction, but supplied P02 C014 already accurately describes a conditional 12-month full/partial suspension and possible additional 12-month period.","Primary source and pinpoint":"S001 §87A(2)(b)(i), PDF P19 / GG p20; supplied verbatim C_ZA-P02-C014 row.","Actors, predicates, required action, consequence and limits":"Editorial reconciliation of two supplied P02 statements. Correct the narrative only; retain C014's substantive wording and its operative-status limit."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"C_ZA-P03-C011","area_numbers":[97,98],"area_assignment_method":"focused_correction_scope","researcher_record":{"Claim ID":"C_ZA-P03-C011","Exact bounded proposition":"The P01 C038 Tribunal-or-court debt-review boundary and C032/C045 unknown-operative-status safeguards remain unmodified; this pass cannot freshly certify every underlying original §§86–87 claim.","Primary source and pinpoint":"Supplied P01 C038/C032/C045 and P02 context; S001 §87A(1)–(2) and §32, PDF P19/P41.","Actors, predicates, required action, consequence and limits":"Preservation/scope claim, not fresh verification of the broader debt-review framework. No exclusive-current-forum inference or country acceptance."},"raw_table_index":2,"coordinator_verification_status":"selected_enacted_text_or_targeted_preservation_supported_with_currentness_holds","coordinator_review":"Exactcorrectionanditsnarrowconditionalpremises checked; nofullpost2019currentness oroperatingbenefit.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]"}],"sources":[{"source_id":"C_ZA-P03-S001","urls":["https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf"],"researcher_record":{"Source ID":"C_ZA-P03-S001","Issuer, body and full literal direct URL":"The Presidency / Government Gazette. National Credit Amendment Act 7 of 2019, GoN 1086, GG 42653, 19 August 2019. https://www.gov.za/sites/default/files/gcis_document/201908/42653gon-1086act7of-2019natcreditamendact.pdf","Exact pinpoints read":"Replacement notice PDF P1 / GG p2; inserted §87A(1)–(3), PDF P19 / GG p20; continued §87A(3), (5), PDF P21 / GG p22; §87A(6)–(9), PDF P23 / GG p24; §32, PDF P41 / GG p42. Linked §86A(6)(e) referral text checked at PDF P15 / GG p16.","Publication, commencement and evidence status":"Enacted and published in August 2019. §32 requires a presidential proclamation for commencement. Present operation not established by this pass. Final replacement publication identified; not treated as a current consolidated NCA.","Fresh access, scope and limitations":"Fresh primary PDF body opened and read, 26 Oct 2026 PDT / 27 Oct 2026 UTC. Read only listed provisions and immediate context needed for the sentence correction. No exhaustive later-amendment, rule or proclamation verification."},"raw_table_index":1,"coordinator_verification_status":"fresh_selected_body_and_dated_selected_reuse","coordinator_check_scope":"Freshselected87A(1)-(3),(5)-(9)body; finalreplacementnotice/32usepreciselydatedsame-coordinatorP02review00:57:43.962914Z, packetsprimary01-05. Notfullcurrentness/pixels.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_ZA-P03-S002","urls":["https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019"],"researcher_record":{"Source ID":"C_ZA-P03-S002","Issuer, body and full literal direct URL":"South African Government. National Credit Amendment Act 7 of 2019 (English / isiZulu), official Act-listing page. https://www.gov.za/documents/acts/national-credit-amendment-act-7-2019-english-isizulu-19-aug-2019","Exact pinpoints read":"HTML title, attached final Gazette PDF, description and “Commencement” field; PDF index and printed page not applicable to this HTML page.","Publication, commencement and evidence status":"Official metadata/legislative discovery record stating proclamation commencement. Not itself a proclamation, instrument specifying a start date, or proof of current operation.","Fresh access, scope and limitations":"Freshly opened, 26 Oct 2026 PDT / 27 Oct 2026 UTC. Only the indicated HTML fields used; no inference from publication metadata to commencement."},"raw_table_index":1,"coordinator_verification_status":"precisely_dated_same_coordinator_selected_body_reuse","coordinator_check_scope":"Identical officialHTMLbodyselectedinP02review00:57:43.962914Z; primary05packet actualattachment/commencementfields. Preciselydatedsame-coordinatorreuse,notnewresearcheraccess orproclamationproof.","coordinator_checked_at":"2026-10-27T01:13:31.567285+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false}],"coverage":[{"topic":"P03-001 G1: Identify final Gazette versus earlier publication","researcher_record":{"Row":"P03-001","G1/G2 subquestion or retained boundary":"G1: Identify final Gazette versus earlier publication","Status":"answered","Finding and exact claim IDs":"GG 42653 replaces 42649. C001","Missing evidence / next bounded action":"No further source-identity question within P03."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-002 G1: Exact initial §87A(2)(b)(i) duration","researcher_record":{"Row":"P03-002","G1/G2 subquestion or retained boundary":"G1: Exact initial §87A(2)(b)(i) duration","Status":"answered","Finding and exact claim IDs":"For 12 months, not general “up to.” C002","Missing evidence / next bounded action":"Later applicable textual variation not examined; see P03-012."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-003 G1: Meaning of “in part or in full”","researcher_record":{"Row":"P03-003","G1/G2 subquestion or retained boundary":"G1: Meaning of “in part or in full”","Status":"answered","Finding and exact claim IDs":"Suspension extent, not duration. C003","Missing evidence / next bounded action":"Individual agreement coverage outside scope."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-004 G1: Reject versus suspend","researcher_record":{"Row":"P03-004","G1/G2 subquestion or retained boundary":"G1: Reject versus suspend","Status":"answered","Finding and exact claim IDs":"Tribunal has stated statutory alternatives after consideration. C004","Missing evidence / next bounded action":"Individual applications/orders unavailable and not sought."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-005 G1: NCR referral and supporting representations","researcher_record":{"Row":"P03-005","G1/G2 subquestion or retained boundary":"G1: NCR referral and supporting representations","Status":"answered","Finding and exact claim IDs":"§86A(6)(e), §87A(1) predicates identified. C004","Missing evidence / next bounded action":"Present prescribed forms and practice excluded."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-006 G1: Financial-literacy condition","researcher_record":{"Row":"P03-006","G1/G2 subquestion or retained boundary":"G1: Financial-literacy condition","Status":"answered","Finding and exact claim IDs":"§87A(2)(b)(ii) condition identified. C005","Missing evidence / next bounded action":"Current prescribed programme and availability not checked."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-007 G1: One further period and discretion","researcher_record":{"Row":"P03-007","G1/G2 subquestion or retained boundary":"G1: One further period and discretion","Status":"answered","Finding and exact claim IDs":"Possible further 12-month period; not automatic. C006","Missing evidence / next bounded action":"Operative order/actual extension excluded."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-008 G1: Factors under §87A(3)","researcher_record":{"Row":"P03-008","G1/G2 subquestion or retained boundary":"G1: Factors under §87A(3)","Status":"answered","Finding and exact claim IDs":"Tribunal's relevant-factor consideration retained. C006","Missing evidence / next bounded action":"Full merits/factor analysis outside narrow scope."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-009 G1: Initial §87A(5) reassessment","researcher_record":{"Row":"P03-009","G1/G2 subquestion or retained boundary":"G1: Initial §87A(5) reassessment","Status":"answered","Finding and exact claim IDs":"Conditional NCR review eight months after the hypothetical order. C007","Missing evidence / next bounded action":"No real calendar calculation or implementation proof."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-010 G1: Extension referral/decision","researcher_record":{"Row":"P03-010","G1/G2 subquestion or retained boundary":"G1: Extension referral/decision","Status":"answered","Finding and exact claim IDs":"NCR referral precedes Tribunal consideration; not automatic. C006, C007","Missing evidence / next bounded action":"Operational procedures not checked."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-011 G1: Extended-period review and possible extinguishment","researcher_record":{"Row":"P03-011","G1/G2 subquestion or retained boundary":"G1: Extended-period review and possible extinguishment","Status":"answered","Finding and exact claim IDs":"Separate review, referral and order predicates. C008","Missing evidence / next bounded action":"Full extinguishment/discharge effects deferred."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-012 G1: Later amendment or currently consolidated variation of duration","researcher_record":{"Row":"P03-012","G1/G2 subquestion or retained boundary":"G1: Later amendment or currently consolidated variation of duration","Status":"unresolved","Finding and exact claim IDs":"Final 2019 enacted wording verified only. C002, C009","Missing evidence / next bounded action":"Retrieve and compare relevant post-2019 amending Acts/commencement and current authoritative consolidation, if a later pass is authorized."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-013 G1: §32 statutory commencement mechanism","researcher_record":{"Row":"P03-013","G1/G2 subquestion or retained boundary":"G1: §32 statutory commencement mechanism","Status":"answered","Finding and exact claim IDs":"Presidential proclamation required. C009","Missing evidence / next bounded action":"Operative instrument is separate unresolved question."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-014 G2: Automatic initial relief","researcher_record":{"Row":"P03-014","G1/G2 subquestion or retained boundary":"G2: Automatic initial relief","Status":"answered","Finding and exact claim IDs":"Statutory wording gives Tribunal a decision, not automatic relief. C004","Missing evidence / next bounded action":"Individual facts/orders excluded."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-015 G2: Automatic second period/two-year entitlement","researcher_record":{"Row":"P03-015","G1/G2 subquestion or retained boundary":"G2: Automatic second period/two-year entitlement","Status":"answered","Finding and exact claim IDs":"Additional period is conditional and discretionary. C006, C007","Missing evidence / next bounded action":"No scheme availability determination."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-016 G2: Automatic cancellation/extinguishment","researcher_record":{"Row":"P03-016","G1/G2 subquestion or retained boundary":"G2: Automatic cancellation/extinguishment","Status":"answered","Finding and exact claim IDs":"Further predicates and separate Tribunal order required in enacted text. C008","Missing evidence / next bounded action":"Broader debt, security, judgment and discharge effects deferred."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-017 G2: Current consumer application availability","researcher_record":{"Row":"P03-017","G1/G2 subquestion or retained boundary":"G2: Current consumer application availability","Status":"unresolved","Finding and exact claim IDs":"Not established. C009","Missing evidence / next bounded action":"Commencement and implementing-instrument chain required; not searched anew."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-018 G2: Private adviser or commercial firm's authority under §87A","researcher_record":{"Row":"P03-018","G1/G2 subquestion or retained boundary":"G2: Private adviser or commercial firm's authority under §87A","Status":"excluded_with_reason","Finding and exact claim IDs":"No such authority is inferred from the corrected sentence. C004, C009","Missing evidence / next bounded action":"Preserve P01 provider-perimeter work; separate current capacity proof."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-019 G2: P02 narrative versus C014","researcher_record":{"Row":"P03-019","G1/G2 subquestion or retained boundary":"G2: P02 narrative versus C014","Status":"answered","Finding and exact claim IDs":"Narrative corrected; C014 retained. C002, C010","Missing evidence / next bounded action":"None for this narrow historical-text mismatch."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-020 G2: P01 existing debt review / competent court or Tribunal boundary","researcher_record":{"Row":"P03-020","G1/G2 subquestion or retained boundary":"G2: P01 existing debt review / competent court or Tribunal boundary","Status":"partial","Finding and exact claim IDs":"Preserve Tribunal or court original wording. C011","Missing evidence / next bounded action":"No fresh comprehensive §§86–87 source review in P03."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-021 G2: Publication-safe description","researcher_record":{"Row":"P03-021","G1/G2 subquestion or retained boundary":"G2: Publication-safe description","Status":"answered","Finding and exact claim IDs":"Descriptive 2019 enacted-text wording with explicit unknown operation. C002, C006, C009, C010","Missing evidence / next bounded action":"Do not publish current-benefit or eligibility promises."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-022 G2: Exhaustiveness of P03 currentness checking","researcher_record":{"Row":"P03-022","G1/G2 subquestion or retained boundary":"G2: Exhaustiveness of P03 currentness checking","Status":"answered","Finding and exact claim IDs":"Explicitly non-exhaustive. C009, C011","Missing evidence / next bounded action":"Targeted post-2019 legislative/currentness search remains outstanding."},"raw_table_index":4,"coordinator_acceptance":"narrow_historical_text_or_editorial_correction_reviewed","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-023 Deferred: Proclamation/current implementation","researcher_record":{"Row":"P03-023","G1/G2 subquestion or retained boundary":"Deferred: Proclamation/current implementation","Status":"unresolved","Finding and exact claim IDs":"§32 mechanism known; actual operative chain not established here. C009","Missing evidence / next bounded action":"Locate authenticated presidential proclamation, affected sections and implementing instruments; separate pass."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-024 Deferred: Current eligibility/income/debt thresholds","researcher_record":{"Row":"P03-024","G1/G2 subquestion or retained boundary":"Deferred: Current eligibility/income/debt thresholds","Status":"excluded_with_reason","Finding and exact claim IDs":"No current qualifying figure or threshold endorsed. C009","Missing evidence / next bounded action":"Revalidate commenced definition, §86A scope, any adjustment notices."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-025 Deferred: Forms and consumer application machinery","researcher_record":{"Row":"P03-025","G1/G2 subquestion or retained boundary":"Deferred: Forms and consumer application machinery","Status":"excluded_with_reason","Finding and exact claim IDs":"No current filing process endorsed. C004, C009","Missing evidence / next bounded action":"Obtain currently operative prescribed forms/rules and service evidence."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-026 Deferred: Appointments, designations and institutional capacity","researcher_record":{"Row":"P03-026","G1/G2 subquestion or retained boundary":"Deferred: Appointments, designations and institutional capacity","Status":"excluded_with_reason","Finding and exact claim IDs":"No officer or service capacity certified. C004, C009","Missing evidence / next bounded action":"Verify actual appointments/designations and lawful procedural authority."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-027 Deferred: Full statutory debt review under §§86–87","researcher_record":{"Row":"P03-027","G1/G2 subquestion or retained boundary":"Deferred: Full statutory debt review under §§86–87","Status":"excluded_with_reason","Finding and exact claim IDs":"Existing P01 C038 preserved. C011","Missing evidence / next bounded action":"Reopen current consolidated NCA and relevant rules independently."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-028 Deferred: Consumer fees and fee timing","researcher_record":{"Row":"P03-028","G1/G2 subquestion or retained boundary":"Deferred: Consumer fees and fee timing","Status":"excluded_with_reason","Finding and exact claim IDs":"No fee rule or price represented. C009","Missing evidence / next bounded action":"Dedicated fees investigation."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-029 Deferred: Contracts and disclosures","researcher_record":{"Row":"P03-029","G1/G2 subquestion or retained boundary":"Deferred: Contracts and disclosures","Status":"excluded_with_reason","Finding and exact claim IDs":"No consumer contract assessed. C009","Missing evidence / next bounded action":"Dedicated contract/conduct investigation."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-030 Deferred: Client funds and payment safeguarding","researcher_record":{"Row":"P03-030","G1/G2 subquestion or retained boundary":"Deferred: Client funds and payment safeguarding","Status":"excluded_with_reason","Finding and exact claim IDs":"No permission to receive/distribute money inferred. C009","Missing evidence / next bounded action":"Dedicated funds/payment actor investigation."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-031 Deferred: Remedies, challenges and redress","researcher_record":{"Row":"P03-031","G1/G2 subquestion or retained boundary":"Deferred: Remedies, challenges and redress","Status":"excluded_with_reason","Finding and exact claim IDs":"No individual remedy or provider-violation effect established. C008, C009","Missing evidence / next bounded action":"Separate remedies/court/regulator research."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-032 Deferred: Provincial application and authorities","researcher_record":{"Row":"P03-032","G1/G2 subquestion or retained boundary":"Deferred: Provincial application and authorities","Status":"excluded_with_reason","Finding and exact claim IDs":"No all-nine-provinces examination or acceptance. C009","Missing evidence / next bounded action":"Reuse P01 geographic hold; investigate actual differentiated law if material."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-033 Deferred: Municipal/local rules and forums","researcher_record":{"Row":"P03-033","G1/G2 subquestion or retained boundary":"Deferred: Municipal/local rules and forums","Status":"excluded_with_reason","Finding and exact claim IDs":"No municipal, local court or sector practice certified. C009, C011","Missing evidence / next bounded action":"Separate locality/actual forum research."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-034 Deferred: Foreign law and cross-border recognition","researcher_record":{"Row":"P03-034","G1/G2 subquestion or retained boundary":"Deferred: Foreign law and cross-border recognition","Status":"excluded_with_reason","Finding and exact claim IDs":"No cross-border conclusion. C009","Missing evidence / next bounded action":"Preserve A098 and foreign-law hold."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-035 Deferred: Remaining provider, collection, debt-type, security, insolvency, enforcement and other P01 domains","researcher_record":{"Row":"P03-035","G1/G2 subquestion or retained boundary":"Deferred: Remaining provider, collection, debt-type, security, insolvency, enforcement and other P01 domains","Status":"excluded_with_reason","Finding and exact claim IDs":"Unaltered by duration-language correction. C010, C011","Missing evidence / next bounded action":"Maintain the original specific P01 coverage gaps and research gates."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."},{"topic":"P03-036 Deferred: Whole-country acceptance; A097/A098","researcher_record":{"Row":"P03-036","G1/G2 subquestion or retained boundary":"Deferred: Whole-country acceptance; A097/A098","Status":"excluded_with_reason","Finding and exact claim IDs":"No acceptance of country, provider-perimeter component, A097 or A098. C009–C011","Missing evidence / next bounded action":"Coordinator must separately review and accept each required area, if warranted."},"raw_table_index":4,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual36rowschecked; no currentavailability/country/local/fullsourceacceptance."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_ZA-P03-duration-correction-20261027","status":"targeted_correction_resolved_other_holds_open","at":"2026-10-27T01:21:40.034526+00:00"}]}