{"meta":{"key":"c_za--pass-06","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-06","path":"/research/c_za--pass-06/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":18,"claims":50,"sources":13,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"11d2d925f8269197a93f94918bae616f0d56ed9f6474c1633fc5484cbc49cbf8","headings":["Ordinary NCA debt-review payment-distribution agents: client money, trust accounts and reconciliation","G1. Registration and who may control the money","G2. What the enacted client-money requirements say","Capital, insurance and account balances are different protections","Interest has its own account and regulatory pathway","G3. Ledger, reconciliation, records and reporting","Material additional finding: PDA distribution fees are expressly prescribed","Additional ledger and timing findings","Minimum account and reconciliation document contract","G4. Six worked hypothetical money paths","Scenario 1 — Consumer pays creditors directly","Scenario 2 — Debt counsellor receives all repayments into an operating account","Scenario 3 — PDA receives and distributes the whole payment","Scenario 4 — Creditor shortfall and bank-to-ledger mismatch","Scenario 5 — A PDA fee is proposed before creditor allocation","Scenario 6 — Closure, erroneous transfer or claimed attorney trust account","G5. Targeted P01 disposition","Complete P06 source register","Complete atomic claim/evidence register","Legal-force and operational-dependency crosswalk","G1 — Actor, permission and version","G2 — Account, funds, deductions and protection","G3 — Ledgers, reporting, audit and accountability","G4 — Hypothetical classifications and calculations","G5 — Prior-work reconciliation and publication","Separately deferred legal families","Geographic register — all nine provinces","Evidence-backed article, tool and document opportunities","Read/search audit and unresolved primary documents","Researcher self-check and counts","Exact next primary-source question"],"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-06","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["client-money","provider-licensing"]},"scope":"ReviewedP01F04/PDAfundflow safeguarding/distribution only; P05unreviewedfees notadopted","pending_corrections":2},"markdown":"# SettleADebt C_ZA PASS-06 — South Africa\n\n## Ordinary NCA debt-review payment-distribution agents: client money, trust accounts and reconciliation\n\nFocused research — currentness and conditions gaps remainResearch baseline: 22 October 2026, America/Los_Angeles.\nFresh source access: 26 October 2026 Pacific daylight time (PDT), corresponding to 27 October 2026 UTC and South African Standard Time (SAST). Exact individual source-access clock times were not recorded and are unknown.\n\nScope: The payment-distribution-agent (PDA) component of P01 F04. This report does not adopt P04/P05's unreviewed consumer-fee findings, revisit 2019 debt intervention, or approve the whole South African country report.\n\n## G1. Registration and who may control the money\n\nThe National Credit Amendment Act 19 of 2014 inserted a definition of a payment distribution agent into NCA §1. It describes someone distributing payments on behalf of a consumer who has applied for debt review, pursuant to a debt rearrangement, court order, Tribunal order or agreement.\n\nSection 44A establishes three decisive rules:\n\n1. A person offering or performing PDA services must be registered in that category with the National Credit Regulator (NCR).\n2. A consumer is not obliged to use a PDA.\n3. Registered PDAs must maintain fidelity insurance and trust accounts and provide financial accounts reasonably required by the NCR for financial auditing.\n\nA debt counsellor's registration is not PDA registration. Regulation 11, substituted in March 2015, expressly prohibits debt counsellors from collecting and distributing consumer monies. C_ZA-P06-C001–C004. South African Government+2\n\nThe official 2015 regulations, regulation 10A, add organisational and operational requirements for the PDA category. These include appropriate financial and operational capacity, the prescribed management arrangements, independent operation where the applicant also conducts debt counselling, and maintaining the electronic distribution and reporting capabilities determined by the NCR. The NCR's registration guide says a natural person cannot be registered as a PDA and identifies qualifying incorporated entities. C005–C007. South African Government+1\n\nThe 2014 Act's relevant commencement was established by presidential Proclamation R.10 of 2015, published in Government Gazette 38557 on 13 March 2015. That proclamation is for the 2014 Act, not the separately held 2019 amendment. The 2015 payment-distribution regulations state that they came into effect upon Gazette publication. Their later amendment/supersession history has not been fully certified through October 2026. C008. South African Government+1\n\n## G2. What the enacted client-money requirements say\n\nRegulation 10A(9)(f)\n\nTrust accountMoney collected from consumers is to be deposited into a trust account opened at a registered bank, then distributed to credit providers and debt counsellors under the regulated activity.\n\nRegulation 10A(9)(g)\n\nDistribution timingDistribute money received within five days of receipt. Where distribution is not made within that period, reasons must be submitted to the NCR.\n\nRegulation 10A(9)(c)–(d)\n\nConsumer reportingProvide a monthly statement showing receipt date, amount, actual payments to each credit provider, undistributed funds, qualified outstanding balances, PDA fees, and payments to the debt counsellor. The consumer chooses among the stated communication methods.\n\nNCA §44A(4)\n\nAudit protectionMaintain fidelity insurance and trust accounts; provide financial accounts reasonably required by the NCR for financial audits.\n\nC009–C014; S001–S002. These requirements were verified in the actual primary text and, for the monthly-statement and distribution provisions, the Gazette's page image. South African Government+2\n\nTwo important precision limits apply.\n\nFirst, regulation 10A(9)(g) says five days, not five business days. NCA §2(5) gives a calculation rule specifically for periods stated in business days. That does not justify silently rewriting this regulation as “five business days.” The precise calendar application, including any generally applicable time-computation law, settlement-system constraints and a particular receipt date, requires further analysis. The reporting obligation after a missed distribution is explicit, but submitting reasons does not make non-distribution automatically compliant. C012, C015. South African Government+1\n\nSecond, the existence of the regulated trust account does not, without the particular banking agreement and operative rules, prove the exact account-title wording, ownership of each claim against the bank, allocation of signing authority, or personal entitlement to interest. Those details remain open rather than being inferred from the word trust. C016.\n\n### Capital, insurance and account balances are different protections\n\nRegulation 10A(5) requires R5 million minimum capital for establishing and operating a PDA, with the specified bank-guaranteed-cheque evidence at application. Regulation 10A(6) separately requires insurance sufficient to compensate consumers and credit providers for loss or damage occasioned by the PDA's conduct, with compensatory value linked to the aggregate money collected for distribution. These requirements serve different purposes. Neither R5 million nor the insurance coverage amount is itself the balance that must be held for each consumer. No insurance premium is specified by those provisions. C017–C018. South African Government\n\nWhere a PDA applicant also operates a debt-counselling business, regulation 10A(7) requires operational independence, separate management, and no distribution for the consumers under debt review in its own debt-counselling business. This is not a blanket permission to move funds between affiliated companies. C019. South African Government\n\n### Interest has its own account and regulatory pathway\n\nRegulation 10A(9)(h) requires a separate interest trust account and describes the NCR's own interest-account and Minister-approved policy arrangements. Its wording contains awkward internal cross-references; the page must be read as written rather than silently repaired.\n\nThe NCR's 2023/24 annual report confirms an approved PDA-interest utilisation policy under which the regulator uses the relevant interest for consumer awareness, education and investigation of prohibited conduct. It also describes separate monitoring and an annual audit of the NCR's PDA-interest account. The annual report is evidence of the regulator's reported practice, not the complete operative policy text or a determination of entitlement to interest on any particular disputed amount. C020–C022. South African Government+2\n\nNo general right to retain PDA-account interest personally, automatically credit it to the consumer, or offset bank charges against it is established by the materials read. The 2024 NCR audit specification expressly calls for checking interest transfers and that bank charges are not offset against interest. This is an audit instruction, not an independently established statutory penalty or a substitute for the complete registration conditions. C023. NCR\n\n## G3. Ledger, reconciliation, records and reporting\n\nThe 2015 regulation itself requires an electronic distribution system and reporting to consumers, credit providers, debt counsellors and the NCR, according to requirements determined in registration conditions and applicable guidelines. The text establishes a monthly consumer statement and distribution within five days of receipt, but does not supply every data-field format, internal reconciliation frequency, access-control role, transfer-approval matrix or error-resolution procedure. C024–C025. South African Government\n\nThe NCR's September 2024 PDA audit terms of reference provide valuable evidence of the practical controls the regulator expected its external auditors to examine. They identify:\n\n- Matching bank-account opening and closing balances against PDA-system balances.\n- Reconciliation of money received from consumers and distributed to creditors.\n- Testing creditor distributions against the debt-rearrangement proposals.\n- Checking receipts and expenditure, including disputed debit orders and refunds.\n- Identifying and reconciling unidentified, undistributed, returned and suspended funds.\n- Evaluating fee deductions and interest-account transfers.\n- Checking information-system backup and recovery arrangements.\n\nThese are specified audit procedures, not proof that every individual control has the same frequency or legal basis in a binding registration condition. The tender calls for the auditor to test 100% of receipts and expenditure transactions during the audit review period. That is not a law requiring every PDA to run a daily 100% independent audit. C026–C029. NCR+2\n\nThe NCR's PDA registration guide additionally calls for mechanisms to keep payment records for at least five years after the payment event. This is an explicit regulator registration-guidance criterion. The inspected regulation 10A does not itself express that identical five-year period, so P06 does not reclassify the guide's retention term as an independently proven statutory minimum without the actual registration-condition and records-rule chain. C030. NCR\n\nA returned debit order, unidentified deposit or failed creditor transfer therefore presents two separate questions: Does the bank balance reconcile? And was the required creditor payment made within the applicable period? A bank balance that reconciles perfectly can still contain undistributed money that should have been paid out. Conversely, an unexplained bank shortfall is not cured by a spreadsheet showing planned creditor allocations. C031–C032, applying regulation 10A(9) and the NCR audit tests.\n\n### Material additional finding: PDA distribution fees are expressly prescribed\n\nThe same 2015 gazetted regulations contain a Schedule 2 provision titled Payment Distribution Fees. Unlike the disputed ordinary debt-counsellor fee guidance, this is an actual ministerially gazetted regulatory fee schedule for PDA services. It permits the following charges per payment distributed for each credit agreement under the consumer's debt-rearrangement plan:\n\n| Distributed payment amount | 2015 prescribed PDA fee |\n| --- | --- |\n| R100–R200 | R5 |\n| R201–R500 | R10 |\n| More than R500 | R15 |\n| Additional monthly statement requested by consumer | R3 |\n\nThe stated amounts include VAT. They are not fixed charges for every consumer per month regardless of transaction activity. Payments below R100 and gaps between the stated whole-rand bands—for example, R200.50—are not expressly resolved by the literal brackets. They should not be assigned a fee by rounding without further authority. C033–C035. South African Government\n\nThis establishes defensible, dated 2015 fee calculations for a PDA ledger, subject to actual payment services, applicable current law and the missing subsequent-amendment check. It does not establish where within a particular payment flow the PDA may debit its fee, whether it may deduct fees before creditor allocation in every arrangement, or whether the old schedule remains unamended in October 2026. The separate Schedule 2 registration/application fees payable to the NCR are not consumer distribution-service charges. \n\n### Additional ledger and timing findings\n\nThe enacted five-day distribution requirement is measured from receipt of money, not from the preparation of a proposal or the date a monthly statement is generated. The record must therefore distinguish a payment instruction, an actual receipt into the PDA-controlled account, a distribution instruction, and evidence that the creditor payment was executed. Regulation 10A(9)(g) does not expressly provide a separate allowance for unidentified payments, rejected EFTs or disputed debit orders. Its requirement to give reasons to the NCR after failure to distribute should not be presented as an automatic extension or waiver. C012, C031–C032, C041.\n\nThe prescribed PDA distribution-fee categories allow useful arithmetic, but an amount that may be recovered for a service is not automatically permission to deduct it from a specific consumer's trust balance at an arbitrary stage. The amount due, actual service, permitted payment source, applicable authorisation, and precise accounting entry still have to be verified. Similarly, a creditor's receipt must not be described as the entire consumer payment where separate, properly authorised charges have actually been taken. C033–C036.\n\nOne further distinction is important for currentness: a July 2018 NCR research tender discussed the historical change from older percentage-based PDA fees to the 2015 tiered arrangement and from a longer distribution interval to five days. That is useful historical regulator context, but not a later amendment to the gazetted rule. No final post-2015 instrument changing the particular five-day and fee provisions was established in the bounded review. C039–C040.\n\n### Minimum account and reconciliation document contract\n\nThe following is a proposed evidence contract for checking a payment flow, not a claim that every field is prescribed in this exact form.\n\n| Record | What the record must resolve | Legal or evidentiary status |\n| --- | --- | --- |\n| PDA authority/category | Exact registered juristic actor, applicable conditions, effective registration status, and whose system performs the distribution | §44A and regulation 10A; no named registry search conducted |\n| Account certificate or bank confirmation | Bank, account title, named account holder, whether the account is designated trust, and any distinct interest account | Trust account required; actual title/holder/signing rules not established |\n| Consumer mandate and relevant rearrangement plan | Consumer identification within internal ledger, authorised destination creditors, account references, proposed payment amounts and current instructions | Needed to classify transactions; no private mandate or order reviewed |\n| Receipt journal | Value received, timestamp, unique receipt ID, bank reference, payer and identified consumer | Supports five-day trigger and monthly receipt statement |\n| Distribution journal | Each credit provider, amount, transaction ID, initiation, bank execution and rejection/return evidence | Supports regulation 10A(9)(c),(f),(g) and auditing |\n| Fee subledger | Distinguish PDA schedule fee from debt-counsellor fee, NCT/legal cost, creditor repayment and any contested deduction | Schedule 2 permits specified PDA fees; source of deduction still must be shown |\n| Suspense/exception ledger | Unidentified deposit, bounced debit, failed credit, undistributed sum, pending instruction, or return | NCR audit TOR tests these categories; detailed resolution rights remain open |\n| Consumer statement and dispatch evidence | Monthly reported amount, creditor allocations, fees, undistributed balance and the selected communication method | Regulation 10A(9)(c)–(d) |\n| Bank-to-system reconciliation | Opening balance + receipts − actual debits = closing balance, compared to bank statements and transaction allocations | Regulated auditability; audit TOR expressly tests reconciliation |\n| Closure and transfer evidence | Authority to transfer records or balances when a PDA ceases serving an account, including unsettled items | Current complete closure/insolvency/transfer conditions not obtained |\n\nC024–C032, C044–C046. The form is suitable for an annotated-document tool, but it must not be promoted as a government-issued form or an operative registration-condition schedule.\n\n## G4. Six worked hypothetical money paths\n\nEach scenario is invented. The amounts and transaction identities are hypothetical, not real consumer records or bank accounts. A hypothetical regulated PDA is assumed only for classification; no real PDA, registration or trust account is certified.\n\n### Scenario 1 — Consumer pays creditors directly\n\nAssumed facts: A consumer under an ordinary debt-rearrangement arrangement owes two monthly creditor payments: Creditor A, R1,700, and Creditor B, R2,300. The consumer elects to pay each creditor directly.\n\nConsumer’s outgoing payments\n\nR4,000\n\nPaid directly to Creditor A\n\nR1,700\n\nPaid directly to Creditor B\n\nR2,300\n\nPDA trust-account receipt\n\nR0\n\n- Permission: NCA §44A(2)(b) says use of a PDA is not compulsory. NCR's February 2015 guidance explains the direct-payment election and calls for monthly proof of payment to the debt counsellor. The proof procedure is guidance, not a newly established statutory monthly filing penalty. C003, C038.\n- Time and ledger: Creditor payment timing follows the actual relevant arrangement and payment facts; PDA regulation 10A's five-day distribution clock does not run for money the PDA never receives.\n- Adverse branch: Direct payment does not mean the consumer may simply omit an otherwise due instalment. Failure to credit a creditor remains a separate debt/record issue.\n- Missing document: Current plan/order and creditor account statements showing actual receipt.\n\nThis scenario illustrates why a website must not tell consumers that every ordinary debt-review repayment must pass through a PDA. NCR\n\n### Scenario 2 — Debt counsellor receives all repayments into an operating account\n\nAssumed facts: A registered individual debt counsellor instructs a consumer to pay R5,000 into the counsellor's ordinary business operating account, from which the counsellor proposes to pay two creditors.\n\n- Actor/permission: A debt-counsellor credential is not PDA registration. The substituted regulation 11 prohibits a debt counsellor from collecting and distributing consumer money. A company-controlled operating account is not rendered a qualifying PDA trust account merely by being called a “client account.” C002, C004, C009, C016.\n- Ledger classification: R5,000 has entered an account under the counsellor's control, not a demonstrated regulated PDA trust account. Neither the existence of cash nor a promised later transfer proves compliant custody.\n- Adverse branch: The relevant regulatory contravention requires the actual actor, functions, relevant authority and facts to be established. This research does not decide recovery, trust-law ownership, a compensation award or cancellation of the debt.\n- Missing document: Account title, account holder, permissions, consumer mandate and actual movement of money.\n\nDisposition: This is a regulatory warning scenario, not an example of an authorised alternative payment-distribution model. South African Government\n\n### Scenario 3 — PDA receives and distributes the whole payment\n\nAssumed facts: A hypothetical properly registered PDA has a separate qualifying trust account. Opening balance attributable to this fictional consumer is R0. It receives R6,000 for two creditor payments—R2,000 to A and R4,000 to B—and both actual distributions occur within the regulation's stated five-day window.\n\nLedger illustration A — complete distribution\n\n| Opening balance | R0.00 |\n| --- | --- |\n| + Consumer receipt | R6,000.00 |\n| − Paid to Creditor A | R2,000.00 |\n| − Paid to Creditor B | R4,000.00 |\n| − Fee debits from trust | R0.00 |\n| Closing balance | R0.00 |\n\nR0 + R6,000 − R2,000 − R4,000 − R0 = R0\n\nThe two actual creditor payments are each above R500; under the dated 2015 PDA fee schedule, the potential service-charge classification is R15 + R15 = R30 including VAT. Because the assumed ledger does not establish a right to debit that charge from these particular trust funds, R30 is treated as a separate possible PDA receivable, not silently removed from the R6,000. C033–C036, C048.\n\nTime: Let `T` be the evidenced receipt event. The regulation says distribute within five days of receipt; this hypothetical stipulates actual distribution within that window. No fictional calendar date, holiday or bank-value-time computation is invented.\n\nMissing documents: Bank receipt, payment execution evidence, debtor allocation instructions, month-end statement, fee recovery agreement/condition and current fee schedule.\n\n### Scenario 4 — Creditor shortfall and bank-to-ledger mismatch\n\nAssumed facts: Opening unresolved amount for one fictional ledger account is R100. The PDA receives R6,000. The relevant plan calls for Creditor A to receive R2,600 and Creditor B to receive R3,400. Bank evidence shows successful transfers of R2,600 to A and only R2,800 to B.\n\nLedger illustration B — under-distribution\n\n| Opening unresolved balance | R100.00 |\n| --- | --- |\n| + New consumer receipt | R6,000.00 |\n| − Actual paid to A | R2,600.00 |\n| − Actual paid to B | R2,800.00 |\n| − Assumed fee debits | R0.00 |\n| Expected ledger closing balance | R700.00 |\n\nR100 + R6,000 − R2,600 − R2,800 − R0 = R700\n\nCreditor B's planned payment\n\nR3,400\n\nCreditor B's actual receipt\n\nR2,800\n\nCurrent under-distribution to B\n\nR600\n\nIf the bank statement independently shows a closing balance of R660, while the system ledger shows R700, there is a further R40 unexplained reconciliation difference:\n\n`R700 system balance − R660 bank balance = R40 discrepancy`.\n\nThe two problems must not be merged. R600 is the documented creditor-transfer shortfall under the assumptions; R40 is the unexplained bank-versus-system difference. The opening R100 remains a distinct unresolved item. The NCR's audit terms explicitly contemplate testing creditor payment amounts, bank reconciliation, unidentified funds, returns and disputed transactions. C026–C032, C048–C049. NCR\n\nAdverse branch: If the R600 remains undistributed beyond regulation 10A(9)(g)'s period measured from the actual receipt, reasons must be submitted to the NCR. This does not establish a consumer refund amount or excuse the missing creditor payment. If the delay resolves inside the period, the treatment must reflect actual bank evidence, not the initial planned transfer.\n\nMissing documents: Bank transactions, transfer acknowledgments/returns, creditor allocation details, resolution of the opening R100, fee entries and the required reporting record.\n\n### Scenario 5 — A PDA fee is proposed before creditor allocation\n\nAssumed facts: A fictional account receives R1,180. Actual intended creditor distributions are R150, R400 and R600, totalling R1,150. Someone proposes retaining the difference as PDA fees.\n\nUnder the 2015 schedule, if each payment is in fact distributed under a qualifying credit agreement:\n\n| Actual distribution | Relevant 2015 band | Possible PDA service fee, VAT included |\n| --- | --- | --- |\n| R150 | R100–R200 | R5 |\n| R400 | R201–R500 | R10 |\n| R600 | Exceeds R500 | R15 |\n| R1,150 | Three actual distributions | R30 |\n\nThe arithmetic is R5 + R10 + R15 = R30, and R1,180 − R1,150 = R30.\n\nBut this does not automatically validate the proposed deduction. At the start, no fee has been earned merely by creating an intended allocation; the source formula concerns each payment distributed. A compliant actual transaction must establish the service performed, permission to recover the charge, authorised source of payment and how the entry was represented in the monthly statement. C033–C036, C048.\n\nFor illustration, if no deduction authority has been established, the bank ledger after R1,150 in completed creditor transfers remains R30, with its entitlement and disposition pending verification. It must not be labelled “PDA revenue” solely because the arithmetic matches.\n\nAdverse branch: A fee of R15 on the R400 payment is inconsistent with the dated R201–R500 band. An additional free-form administration fee is not authorised merely by the existence of this schedule.\n\nMissing proof: Current operative schedule; actual transaction execution; conditions or terms controlling collection of permitted fees.\n\n### Scenario 6 — Closure, erroneous transfer or claimed attorney trust account\n\nAssumed facts: A hypothetical PDA reports an undistributed R500 after a consumer's account is closed or transferred. A separate adviser says the money should instead be moved into an attorney's “trust account.”\n\n- Actor/permission: The PDA remains subject to its own trust-account, distribution, reporting and registration conditions for the funds in its control. An attorney's professional trust regime is a separate legal category, not automatically substituted by a verbal instruction.\n- Ledger: The R500 must be identified as an unresolved liability or balance with an evidentiary trail. Labelling it “refund,” “transfer,” “unclaimed revenue” or “interest” is not justified without establishing the actual legal basis.\n- Timing: A closure or transfer event does not itself establish an exception to the five-day rule for newly received funds. A particular historical balance may also have separate facts not resolved by the original receipt rule.\n- Adverse branch: Moving money to the wrong recipient can create both a missing-creditor-payment problem and an unresolved client-funds disposition. No automatic release, forfeiture or refund period was established.\n- Missing documents: Closing instruction, new authority, account and creditor reconciliation, any termination/insolvency conditions, banking proof and the valid order/mandate if one is required.\n\nC016, C025–C032, C042–C047.\n\n## G5. Targeted P01 disposition\n\n| Existing row | Original supplied wording and original evidence | What P06 adds | Disposition |\n| --- | --- | --- | --- |\n| P01 C007 | “NCA §44A establishes a separately registered payment distribution agent category. A debt-counsellor credential alone is not PDA registration, and regulator guidance distinguishes a debtor paying directly from using an appropriate PDA.” Original S002 §44A PDF P5–6; S003 August 2022 NCR guidance P1–2. | Fresh Act 19/2014 and 2015 Gazette reading establishes compulsory PDA registration, expressly voluntary consumer PDA use and the counsellor's separate collection/distribution prohibition. C001–C004, C038. | Retained; supplemented. No company, consumer or actual licence status verified. |\n| P01 C051 | “PDA regulation 10A(5)–(9) has its own bank-guaranteed-cheque capital evidence, indemnity, independent-business and payment-account duties, including collection into a bank trust account and distribution/reporting requirements. These duties attach to the regulated PDA, not every business describing itself as a trustee.” Original S004 regulation 10A(5)–(9), PDF P5–8 / GG pp10–13. | Fresh full relevant Gazette text establishes monthly statement data, five-day distribution and reasons to NCR, separate interest accounts, electronic distribution, plus 2015 prescribed PDA service fees in Schedule 2 PDF P25/GG p30. C009–C035. | Retained; materially expanded. Actual account title, insurance policy, interest-policy body, deduction authority, exact registration conditions and complete 2026 amendment chain remain held. |\n| P01 F04 | “Client money, trust accounts and payment safeguarding.” Previously `excluded_with_reason`, citing C007–C009, C029, C051, C053. Exact remaining question was to map account ownership, beneficial interests, custody, distribution, reconciliation, indemnity and interest. | Binding 2014/2015 baseline and a bounded official NCR operational audit record now support substantive PDA safeguards. C009–C032, C044–C050. | Partial substantive coverage. Do not reclassify complete F04 or all payment-law issues as answered. |\n| P01 other provider/perimeter claims | Individually researched provider, collector, legal practitioner and statutory actor categories under different laws. | No new determination of those actors' full money-handling powers. C004, C037, C047. | Preserved without whole-perimeter rerun. |\n| P04/P05 ordinary debt-counsellor fee discussion | Incomplete P04 introduction, followed by saved P05 continuation awaiting coordinator review. | No ordinary debt-counsellor charge/refund premise adopted. P06 independently read the 2015 PDA Schedule 2 charges only. C033–C036, C046. | No adoption or review implied. |\n| P02/P03 debt-intervention findings | Enactment/commencement unknown-status and narrow duration correction. | No research, operational claim, form or fee regarding that separate 2019 scheme. | Holds unchanged. |\n\nOne citation-level clarification is necessary: the five-day distribution requirement is regulation 10A(9)(g), PDF P7/GG p12. The PDA fee schedule is Schedule 2 as amended, PDF P25/GG p30. Neither may be cited simply as “regulation 10A” without identifying the appropriate subsection or separate schedule. The source also contains inaccurate internal cross-references—for example, the monthly-statement delivery clause points to “sub-regulation 8(c)” while situated in 10A(9). The P06 analysis does not silently fix the Gazette wording or infer a missing paragraph. C050.\n\n## Complete P06 source register\n\nAll source IDs below are C_ZA-P06-Snnn. Every fresh source was accessed on 26 October 2026 PDT / 27 October 2026 UTC and SAST. Exact per-source clock times are unknown. Where stated, the printed Gazette page is distinct from the zero-based PDF index.\n\n| ID | Issuer, title and complete literal direct HTTPS URL | Pinpoints and actual read bounds | Status, legal authority and limitations |\n| --- | --- | --- | --- |\n| S001 | Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389, 19 May 2014. `https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf` | Inserted PDA definition, PDF P2/GG p4; inserted NCA §44A(1)–(6), PDF P5–6/GG pp10–12; material surrounding registration provisions also read. | Fresh enacted primary body. Relevant commencement established separately by S003. No complete 2026 consolidation; actual actor/registration facts not examined. South African Government |\n| S002 | Minister of Trade and Industry, National Credit Regulations including Affordability Assessment Regulations, GG38557, GoN R202, 13 March 2015. `https://www.gov.za/sites/default/files/gcis_document/201503/38557rg10382gon202.pdf` | Enactment/effect notice PDF P0/GG p5; reg10A(1)–(3), P3–4/GG pp8–9; 10A(4)–(8), P5–6/GG pp10–11; 10A(9)(a)–(h), P6–8/GG pp11–13; reg11 substitution, P11/GG p16; regulatory noncompliance clause, P24/GG p29; Schedule 2 PDA distribution fees, P25/GG p30; Form46 name, P31/GG p36. | Fresh final gazetted body; relevant page images inspected, including P7 and P25. Notice states effect on publication. Later amendment/supersession chain not comprehensively certified through 2026. Fee-service and NCR-registration fee schedules are separate. Internal cross-reference errors preserved, not repaired.  |\n| S003 | President, Commencement of National Credit Amendment Act 19 of 2014, Proclamation R10 of 2015, GG38557, 13 March 2015. `https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf` | Entire operative proclamation, PDF P0/GG p3, referring expressly to Act19/2014 §39 and commencement upon publication. | Fresh primary body, official page inspected. Establishes March 2015 commencement of the 2014 amendment, not the 2019 debt-intervention scheme. No later amendment-chain certification implied. South African Government |\n| S004 | National Credit Regulator, Criteria for Registration as a Payment Distribution Agent. `https://www.ncr.org.za/documents/pages/PDA/Requirements%20for%20registration%20as%20a%20payment%20distribution%20agent.pdf` | PDF P0/guide p1: entity/employee requirements and record retention for five years; P1/guide p2: capital, insurance, independence and application requirements, including an older PASA-registration instruction. | Fresh regulator guide body, undated administrative document. Neither every condition of an actual registration nor a final 2026 updated guide. PASA instruction needs reconciliation with S011. NCR |\n| S005 | dtic, National Credit Act 34 of 2005, dated consolidation. `https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf` | §2(5), PDF P13; §44A and registration framework, P31–32; §50 and §52, approximately P35–36; §55 compliance powers, approximately P37–38. Original Gazette printed-page mapping not verified for consolidation. | Fresh relevant sections read, but compilation dated to a 2019 Gazette later replaced as established in P02. Used cautiously for section structure, especially the distinction between “business days” and unqualified “days.” Not a complete certified 2026 NCA text. Trade and Industry Dept. |\n| S006 | NCR, Terms of Reference: Appointment of a Service Provider to Conduct Annual Audits of Registered PDAs, NCR931.09.2024, September 2024. `https://ncr.org.za/index.php/component/phocadownload/category/354-ncr931-09-2024-appointment-of-a-service-provider-to-conduct-annual-audits-for-the-registered-pdas-for-period-of-three-3-years-and-two-2-months?download=2113%3Aterms-of-reference` | Cover PDF P0; audit specifications PDF P7–13/document printed pp8–14; receipt/expenditure 100% tests, P11/printed p12; ledger/exception/refund tests P9–12/printed pp10–13. | Fresh official procurement/audit body, page images inspected. Specifies desired independent-auditor testing, not a general statutory daily-reconciliation rule, private consumer award or proof that every PDA was audited successfully. NCR |\n| S007 | NCR, Annual Report 2023/24. `https://ncr.org.za/documents/pages/Annual%20Reports/NCR%20Annual%20Report%202024_mh_v26a.pdf` | PDA audit/interest supervision, PDF P50–52, especially P51/document printed p50; interest and unidentified-funds accounting, PDF P100–111, especially financial statements around printed pp99–110. | Fresh official historical annual report covering the reporting period ending March 2024, not a 2026 compliance certificate or substitute for the full Minister-approved interest policy. NCR+1 |\n| S008 | NCR, Terms of Reference for an Impact Assessment of Educational and Investigation Activities, 2021 procurement material. `https://ncr.org.za/index.php/component/phocadownload/category/251-ncr749-03-2021-appointment-of-a-service-provider-to-conduct-an-impact-assessment-of-the-educational-and-investigation-activities?download=1375%3Ancr7491` | Historical interest-policy description PDF P7/document printed p8; states the Minister-approved policy effective 15 October 2015. | Fresh regulator-issued historical procurement body. Describes policy history, but the complete original approved policy and its amendments were not opened. Not sufficient alone for individual entitlement to interest. NCR |\n| S009 | NCR, Guidelines for the Withdrawal from Debt Review, Guideline 002/2015, February 2015. `https://www.ncr.org.za/documents/pages/circulars/feb2015/Withdrawal%20from%20debt%20review%20guidelines.pdf` | §5.2, PDF P4/printed guideline p5: direct creditor payment election, timely repayment and monthly evidence to counsellor. Adjacent §5.1 distinction read; page image inspected. | Fresh NCR guidance, not a new parliamentary Act or binding 2026 payment-distribution condition. Only the direct-payment boundary used. Full withdrawal/fees/remedies scope remains excluded.  |\n| S010 | Parliament/South African Reserve Bank, National Payment System Act 78 of 1998, SARB-hosted amended compilation. `https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight/NPS%20Act.pdf` | Definitions §1, PDF P1–3; §7 payments to third persons, PDF P9–10; §12 directives, P14. Original printed Act/Gazette pages were not separately established. | Fresh relevant provisions read. Compilation incorporates amendments only through the listed 2008 instruments; not a complete 2026 NPS legal/current-permission determination. South African Reserve Bank |\n| S011 | South African Reserve Bank, PSMB Transition official announcement. `https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb` | HTML body, transition paragraphs including 11 August 2026 and 2 September 2026 changes; PDF index/printed Gazette page not applicable. | Fresh official operational announcement. Transfer of NPS payment-institution licensing/authorisation/registration functions to SARB; not itself a registration for an individual PDA or a repeal of §44A. South African Reserve Bank |\n| S012 | Minister, Draft National Credit Regulations, GG37882, GoN R597, 1 August 2014. `https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf` | Draft notice PDF P0/GG p3 and proposed PDA provisions around P4–9/GG pp7–12; draft form number differs from final 2015 regulation. | Fresh historical draft body read for version discrimination; not an operative PDA permission, deadline or current condition. The enacted comparison is S002. South African Government |\n| S013 | Minister, Draft Debt Counselling Regulations, General Notice 503, GG32229, 15 May 2009. `https://www.gov.za/sites/default/files/gcis_document/201409/32229503.pdf` | Notice expressly for public comments, PDF P0/GG p3; proposed debt-counselling rules P1–3/GG pp4–6. | Fresh historical draft body read. Not used to establish 2015/2026 trust account, distribution, refund or reconciliation duties. South African Government |\n\nActual source access categories: 13 freshly opened official primary/regulator bodies, of which S004/S006–S009/S011 are guidance, reports, procurement documents or operational announcements rather than enactments; S012–S013 are historical drafts. There is no P06 claim of a successful named register check, private bank-account review or complete source-currentness certification.\n\n## Complete atomic claim/evidence register\n\nEach identifier below expands to C_ZA-P06-Cnnn. “2015 regulatory baseline” means the actual gazetted rule was read, but later legal changes have not been exhaustively excluded. Every claim is limited to the South African PDA activity stated; none accepts A097/A098.\n\n| Claim | Exact proposition, actor, predicates and consequence | Source and pinpoint | Authority and evidence limit |\n| --- | --- | --- | --- |\n| C001 | NCA's inserted definition addresses payment distribution on behalf of a consumer who applied for debt review under an applicable rearrangement, agreement or order. | S001 inserted NCA §1, PDF P2/GG p4 | Act; exact transaction classification required. |\n| C002 | A person offering, performing or holding out as authorised for PDA services must hold NCR PDA registration. | S001 §44A(1)–(2)(a), PDF P5–6/GG pp10–12 | Act; no entity checked, and other payment laws can still apply. |\n| C003 | A consumer is not obliged to use a PDA. | S001 §44A(2)(b), PDF P5/GG p10 | Act; does not excuse debt payments actually due. |\n| C004 | A debt counsellor must not collect and distribute consumer money. Debt-counsellor registration does not substitute for PDA registration. | S002 substituted regulation 11, PDF P11/GG p16; S001 §44A | Final regulation and Act; exact actor/function relevant. |\n| C005 | PDA applicant must satisfy prescribed organisational, experience, competence, staffing/system and financial requirements; the final regulation names Form 46. | S002 reg10A(1)–(4), PDF P3–5/GG pp8–10 | Binding category rules; present individual conditions/approval unsearched. |\n| C006 | NCR guide states a natural person may not register as PDA and identifies qualifying corporate/cooperative forms. | S004 PDF P0/guide p1; S002 reg10A(3) | Regulator guidance and regulation; no actual corporation authorized. |\n| C007 | Training/representation and independence conditions apply to PDA operations and workers, not a transferable individual debt-counsellor credential. | S002 reg10A(3),(7),(8), P3–6/GG pp8–11 | Regulation; actual staffing/conditions not checked. |\n| C008 | Act19/2014 commenced under Proclamation R10/2015; R202 regulations say effective on 13 Mar 2015 publication. | S003 P0/GG p3; S002 P0/GG p5 | Actual historical commencement; not final 2026 supersession proof and not 2019 intervention. |\n| C009 | PDA must deposit consumer receipts into a trust account at a registered bank and distribute to creditors and debt counsellors. | S002 reg10A(9)(f), P7/GG p12 | Regulation; account title/signer/fund entitlement fact-specific. |\n| C010 | PDA and NCR interest-account arrangements are addressed separately from ordinary repayment trust funds. | S002 reg10A(9)(h), P8/GG p13 | Regulation with textual drafting irregularities; cannot assume every beneficial interest. |\n| C011 | PDA must give monthly statement showing dates, amounts, paid creditors, undistributed funds, balances with disclaimer, PDA fees and counsellor payments. | S002 reg10A(9)(c), P7/GG p12 | Regulation; electronic/reporting conditions may add detail. |\n| C012 | PDA distributes money received within five days of receipt; failure requires submitting reasons to NCR. | S002 reg10A(9)(g), P7/GG p12 | Regulation; not stated as business days, no automatic extension. |\n| C013 | Consumer chooses among listed methods for monthly statement delivery, including email, SMS, MMS, fax or writing. | S002 reg10A(9)(d), P7/GG p12 | Regulation; exact dispatch/receipt proof not determined. |\n| C014 | Registered PDA maintains fidelity insurance, trust accounts and NCR-requested accounts for financial audit. | S001 §44A(4), P6/GG p12 | Act; no actual policy, bank contract or audit report inspected. |\n| C015 | NCA §2(5) specifically addresses business days. It cannot alone justify relabelling reg10A's five unqualified days as “five business days.” | S005 §2(5), PDF P13; S002 reg10A(9)(g) | Textual interpretation; exact time-computation convention remains held. |\n| C016 | Trust-account requirement does not itself establish actual account title, bank customer, beneficial ownership, signatories or mandate authority for a specific account. | S002 reg10A(9)(f),(h); S001 §44A(4) | Evidence-limit/contractual fact inference; actual bank documents absent. |\n| C017 | Reg10A(5) specifies R5m minimum PDA investment/operating capital with stated bank-guaranteed-cheque application evidence. | S002 reg10A(5), P5/GG p10 | Regulation; not client trust-account minimum or consumer cost. |\n| C018 | Reg10A(6) specifies compensatory fidelity/insurance cover referenced to aggregate collected-for-distribution funds. | S002 reg10A(6), P5–6/GG pp10–11 | Regulation; value ≠ premium; actual policies/exposure unavailable. |\n| C019 | When applicant also conducts counselling, it must show operational independence and no distribution for its own counselling clients. | S002 reg10A(7), P6/GG p11 | Regulation; corporate-group facts unknown. |\n| C020 | Interest on consumer receipts is addressed via separate trust account and NCR interest-account requirements. | S002 reg10A(9)(h), P8/GG p13 | Regulation; text/cross-references require care. |\n| C021 | NCR official historical records describe Minister-approved interest utilisation for education and investigations. | S008 PDF P7/printed p8; S007 relevant financial/programme reporting | Regulator account of policy, not full policy body or automatic allocation to a consumer. |\n| C022 | NCR 2023/24 annual report describes supervisory reporting/audits and the NCR PDA-interest account. | S007 P51, P100–111 | Dated institution-specific evidence, not current independent approval of any PDA. |\n| C023 | NCR 2024 audit tender calls for testing interest transfers and preventing undocumented bank-charge offsets. | S006 P9–12 | Procurement specification, not full interest-beneficial-ownership judgment. |\n| C024 | PDA must implement electronic distribution functionality determined through conditions/guidelines. | S002 reg10A(9)(a), P6/GG p11 | Regulation plus dependent actual registration conditions unread. |\n| C025 | PDA reporting to consumer, creditors, counsellor and NCR must comply with forms/methods in applicable conditions/guidelines. | S002 reg10A(9)(b),(e), P6–7/GG pp11–12 | Regulation; latest actual forms/conditions unresolved. |\n| C026 | NCR 2024 audit TOR checks bank balances, ledger reconciliations, beneficiary allocation and creditor distributions against proposals. | S006 PDF P9–11/printed pp10–12 | Audit task specification, not independent law that all tests run daily. |\n| C027 | Tender specifies auditor testing 100% of income/expenditure transactions in the audit period. | S006 PDF P11/printed p12 | Auditor assignment, not universal 100% daily PDA testing rule. |\n| C028 | TOR covers disputed/reversed debit orders, refunds, unidentified, returned, suspended and undistributed funds. | S006 PDF P11–12/printed pp12–13 | Official examination topics; particular refund/chargeback rights not decided. |\n| C029 | TOR tests PDA deductions/fees, interest transfers and computer-system resilience. | S006 PDF P10–13 | Audit scope, not automatic debit authority or specified bank-signing controls. |\n| C030 | NCR guide requires mechanisms retaining payment records at least five years after payment event. | S004 PDF P0/guide p1 | Registration guidance; precise binding 2026 condition and applicable records act remain to be verified. |\n| C031 | Reconciled cash balances and timely creditor distributions are different tests. | S002 reg10A(9)(c),(g); S006 P9–12 | Audit/accounting inference, not an independent new statutory formula. |\n| C032 | Missing creditor payments or a bank shortfall require classification against evidence and applicable reporting; neither automatically produces refund, cancellation or damages. | S002 reg10A(9)(c),(g); S006 audit topics | Evidence-limited inference; specific remedies reserved. |\n| C033 | 2015 Schedule 2 prescribes specified PDA fees per actual creditor payment under covered rearrangement plan, plus extra requested statement fee. | S002 Schedule 2, PDF P25/GG p30 | Ministerial regulation, distinct from debt-counsellor fee guidance. Later amendments unresolved. |\n| C034 | 2015 bands: R100–R200 → R5; R201–R500 → R10; >R500 → R15; requested additional monthly statement → R3. | S002 Schedule 2, P25/GG p30 | Service/category predicates apply; not an automatic monthly flat consumer charge. |\n| C035 | Those 2015 Schedule 2 fee amounts include VAT; literal wording does not expressly classify below-R100 or fractional gaps. | S002 Schedule 2, P25/GG p30 | No guessed rounding or application to unlisted amounts. |\n| C036 | Permission to recover an earned PDA service fee is not, by itself, proof that the PDA may debit that amount from a specified consumer's trust funds without validating recovery method/conditions. | S002 Schedule 2 and reg10A(9)(c),(f) | Bounded legal/evidence inference; actual fee mandate, deduction rule and allocation missing. |\n| C037 | Separate National Payment System §7 third-party payment functions may require distinct authorisation; 2026 SARB transition reallocates NPS licensing functions from PASA. | S010 §7 PDF P9–10; S011 HTML transition section | Independent regulatory screen. Current complete NPS directives/permissions not researched. |\n| C038 | Consumer can choose direct payment; NCR 2015 guidance treats direct payments as compatible with continuing debt review and requests monthly proof to counsellor. | S001 §44A(2)(b); S009 §5.2 PDF P4/printed p5 | Statutory non-compulsion plus older guideline; no blanket proof-of-payment statutory sanction established. |\n| C039 | 2009/2014 proposals are drafts, not final 2015 PDA duties, even where wording resembles the final regulation. | S012 P0/draft PDA provisions; S013 P0–3 | Official historical proposals; final is S002. |\n| C040 | No complete post-2015 supersession check for reg10A, five-day rule and Schedule 2 fees was completed through 26 Oct 2026 PDT. | S002, S004–S013 bounded reads/search | Honest currentness hold; not proof unchanged or repealed. |\n| C041 | Five-day distribution is triggered by money received; bookkeeping allocation or payment instruction is not automatically proof of receipt/distribution. | S002 reg10A(9)(c),(g), P7/GG p12 | Transaction-evidence interpretation; exact calendar methodology/settlement finality unverified. |\n| C042 | No automatic statutory refund, forfeiture, closure transfer, consumer interest allocation or shortfall-compensation formula was established by the PDA bodies read. | S001 §44A; S002 reg10A(9); S006 audit exception topics | Negative bounded evidence statement only; other applicable law/conditions not ruled out. |\n| C043 | Original P01 C007/C051 stand; F04 gains narrow substantive PDA findings but remains partial. | S001–S006; supplied original P01 literal claims/F04 row | Scoped continuation, no full provider/country acceptance or independent review. |\n| C044 | Evidence packet of registration, account, receipt, creditor, fee, audit and closure records is an analytical proposal built from the actual required reporting and audit fields. | S001 §44A; S002 reg10A(9); S006 audit TOR | Not a legislatively prescribed combined form. |\n| C045 | PDA noncompliance engages the NCA's applicable procedures and regulator authority; an alleged breach alone does not adjudicate a private damages award. | S002 PDF P24/GG p29; S005 §§52,55 | Statutory/procedural boundary; enforcement/remedies full analysis deferred. |\n| C046 | No P04/P05 ordinary debt-counsellor fee, refund or chargeback premise is accepted into P06. | Supplied P04/P05 provenance; independent S002 Schedule 2 | Research-scope decision; does not determine fees owed to counsellor. |\n| C047 | Attorney trust, creditor collection, private adviser custody, court administration and liquidation have independent actor/permission questions not answered by PDA registration. | S001 §44A; S002 reg11; P01 boundaries preserved | Separate legal bodies/mandates unreviewed in P06. |\n| C048 | Hypothetical R6,000 receipt − R6,000 creditor distributions = R0, and R100 + R6,000 − R5,400 = R700 are exact bookkeeping results; 2015 fees for two payments >R500 equal R30 if due. | S002 reg10A(9), Schedule 2; calculation assumptions in G4 | Arithmetic and classifications conditional; not proof of legal transfer/fees or current schedule. |\n| C049 | NCR's 2024 proposed audit tests are not self-executing binding registration conditions merely because they appear in an official tender. | S006 P7–13; S002 reg10A(9)(a),(e) | Requires actual relevant registration conditions and current final legal provisions. |\n| C050 | The 2015 Gazette has inconsistent internal cross-references/numbering in statement and interest provisions. Their wording must not be silently normalised into a new substantive right. | S002 reg10A(9)(c),(d),(h), PDF P7–8/GG pp12–13 | Source-text issue; any official correction/amendment not fully traced. |\n\nThe claims that depend on the Act or regulations are 2014/2015 enacted-law baseline claims, not verified licensing status of a particular actor. The claims based on NCR guidance, historical reporting, audits or research inferences are labelled separately.\n\n## Legal-force and operational-dependency crosswalk\n\n| Instrument or dependency | What is established | What is not established | Status/claims |\n| --- | --- | --- | --- |\n| 2014 amendment — §44A | National registration requirement, consumer choice, trust/insurance/audit duties | Particular PDA status, bank account or later amendments | Answered at enacted-law baseline — C001–C003, C014 |\n| 2015 commencement proclamation | Proclamation R10/2015 brings the 2014 amendment into operation | Later amendments or permissions | Answered historically — C008 |\n| 2015 R202, regulation 10A | Corporate/resource conditions, bank trust, distribution within five days, statements, interest arrangements | All final registration conditions and supersession through 2026 | Partial-currentness — C005–C025, C040 |\n| 2015 R202, regulation 11 | Separate restriction on debt counsellors collecting and distributing | Complete alternative professional/payment-service perimeter | Answered narrowly — C004, C047 |\n| 2015 R202, Schedule 2 PDA fees | Prescribed distribution-service bands and extra statement amount, inclusive of VAT | Current amendments and deduction-from-trust mechanism for a specific consumer | Partial-currentness — C033–C036 |\n| 2009/2014 consultation drafts | Earlier proposals and version history | Current binding PDA requirements | Excluded as operative sources — C039 |\n| NCR PDA guide | Administrative registration criteria including five-year record retention | Every current individual condition or post-2026 payment membership rule | Partial — C006, C030, C040 |\n| 2024 NCR audit terms | What the regulator proposed that external auditors test | Universal legally required daily internal-audit frequency or complete enforceable consumer remedies | Answered as audit scope only — C026–C029, C049 |\n| Interest-policy descriptions | Official reports describe distinct interest-account utilisation and supervision | Current complete approved policy, legal beneficial interests and account-level allocations | Partial — C020–C023, C050 |\n| NPS/SARB overlay | Separate NPS Act screen and 2026 transfer of payment-institution authorisation functions | Particular PDA's NPS status or all amended NPS directives | Partial — C037 |\n| Regulatory failure/consumer redress | Applicable NCA procedures, reporting and audit boundaries | Automatic personal refund, damages, debt cancellation or enforcement outcome | Partial — C032, C042, C045 |\n\n# Complete granular coverage register\n\n`answered` in this register means the specified narrow rule or source distinction has been supported, not that every current-law amendment and individual application is certified. `partial` and `unresolved` identify material missing predicates. `excluded_with_reason` preserves topics outside the PDA F04 component.\n\n### G1 — Actor, permission and version\n\n| Row | Question | Status | Substantive finding and claims | Missing evidence / exact next action |\n| --- | --- | --- | --- | --- |\n| G1-01 | PDA definition/activity | answered | Definition links debt-review consumer repayment distribution to the relevant arrangement/order. C001 | Specific mandate/debt documents absent. |\n| G1-02 | NCR PDA registration and consumer choice | answered | Category registration required; consumer use optional. C002–C003 | No named status search; future category verification if authorised. |\n| G1-03 | Counsellor versus PDA/other actors | answered narrowly | Reg11 restriction and separate §44A. C004, C047 | Other actors' own permissions deferred. |\n| G1-04 | Entity/person/employee capacity | partial | Prescribed corporate/resources and guide; separate representation. C005–C007 | Actual current conditions/roles missing. |\n| G1-05 | 2014/2015 commencement | answered | R10/2015 and final R202 publication. C008 | Complete later amendment chain separate. |\n| G1-06 | Current 2026 consolidation | unresolved | Historical primary rules identified; all later changes not excluded. C040 | Obtain authoritative full amendment/commencement register and final affected instruments. |\n| G1-07 | Drafts versus final | answered | 2009/2014 drafts are not the final 2015 rule. C039 | None for that document-identity distinction. |\n| G1-08 | NPS/SARB separate gateway | partial | NPS §7; SARB 2026 institutional transfer. C037 | Read all applicable current directives/permissions for an actual funds-flow design. |\n| G1-09 | PDA fees as distinct regulatory category | partial | 2015 gazetted bands, VAT included. C033–C035 | Post-2015 amendments and exact transaction facts. |\n| G1-10 | Registration conditions/guidelines | partial | Reg10A repeatedly delegates system/reporting detail to conditions/guidelines. C024–C025, C049 | Obtain complete currently effective PDA registration-condition instruments and amendments. |\n\n### G2 — Account, funds, deductions and protection\n\n| Row | Question | Status | Substantive finding and claims | Missing evidence / exact next action |\n| --- | --- | --- | --- | --- |\n| G2-01 | Payer and distribution beneficiary | answered narrowly | Money received from consumer for payments to relevant creditors/counsellors. C001, C009 | Actual lawful allocation documents needed. |\n| G2-02 | Registered-bank trust account | answered | Reg10A(9)(f) bank trust requirement. C009 | Actual account certificate unavailable. |\n| G2-03 | Exact legal account title/holder | unresolved | No precise account name inferred. C016 | Obtain prescribed account-title condition and actual bank evidence if later authorised. |\n| G2-04 | Legal/beneficial ownership | unresolved | Trust label alone insufficient. C016, C020 | Read operative trust/banking/insolvency and actual account terms in dedicated pass. |\n| G2-05 | Signing/approval/initiator permissions | unresolved | Reg requires systems, but specific signing matrix not established. C016, C024 | Read current registration condition and payment-provider mandate. |\n| G2-06 | Distribution interval | answered at gazetted baseline | Within five days of receipt; reasons to NCR if failed. C012, C041 | Transaction receipt/execution evidence for actual event. |\n| G2-07 | Nonbusiness days/calendar computation | partial | Text says five days, not five business days. C015, C041 | Verify full operative time-computation rule, holidays and banking settlement facts before stating exact calendar cutoff. |\n| G2-08 | Distribution to each creditor | partial | Statement must show actual creditor payments; audit tests plan matching. C011, C026 | Current individual plan and bank acknowledgements. |\n| G2-09 | Chargeable PDA fee categories | partial | Regulated 2015 Schedule 2 per-payment bands. C033–C035 | Current version and actual service/band predicates. |\n| G2-10 | Deducting fees from client trust money | unresolved | Fee recovery does not alone establish deduction source/stage. C036 | Find current account/deduction rules, mandate and applicable conditions. |\n| G2-11 | R5m regulatory capital | answered at gazetted baseline | Separate investment/operating capital. C017 | No claim about a given PDA's financial resources. |\n| G2-12 | Compensatory fidelity/insurance | partial | Linked to aggregate consumer funds distributed. C014, C018 | Current policy coverage/exclusions, exposure measure and conditions. |\n| G2-13 | PDA/debt-counselling independence | answered at gazetted baseline | Reg10A(7). C019 | Actual corporate-group and client relationships absent. |\n| G2-14 | Interest account and beneficiary | partial | Separate account and regulator policy architecture. C010, C020–C023 | Obtain full amended §10A(9)(h), approved policy, actual account terms and ownership analysis. |\n| G2-15 | Failure, shortfall and returned transfer | partial | Reg five-day duty, reporting and audit tests. C012, C028, C032 | Actual bank/creditor records; enforceable remedy and recovery rules deferred. |\n| G2-16 | Closure, transfer, insolvency/refund | unresolved | No universal disposition rule derived. C042, C047 | Locate current PDA exit conditions, banking mandate, statutory insolvency provisions and actor-specific rights. |\n\n### G3 — Ledgers, reporting, audit and accountability\n\n| Row | Question | Status | Substantive finding and claims | Missing evidence / exact next action |\n| --- | --- | --- | --- | --- |\n| G3-01 | Electronic distribution system | partial | Mandatory system functionality tied to NCR requirements. C024 | Current system-conditions document. |\n| G3-02 | Reports to NCR/other participants | partial | Reporting obligation and delegated form requirements. C025 | Full operative reporting conditions and forms. |\n| G3-03 | Monthly statement data fields | answered at gazetted baseline | Receipts, creditors/amounts, undistributed, balances, fees and counsellor payments. C011 | Actual statement contents in any case unavailable. |\n| G3-04 | Statement delivery medium | answered at gazetted baseline | Choice from listed media. C013 | Actual choice/dispatch proof absent. |\n| G3-05 | Payment record retention | partial | NCR guide states five years after payment event. C030 | Check binding registration condition and current amended records law. |\n| G3-06 | Bank-to-system reconciliation | partial | NCR audit TOR tests records and bank balance matching. C026 | Exact current mandatory internal frequency/technical format not verified. |\n| G3-07 | Daily/monthly reconciliation frequency | unresolved | Monthly statement proved; daily internal reconciliation not proved. C025–C027, C049 | Current conditions and transaction-processing standards. |\n| G3-08 | 100% independent audit sampling | answered as audit tender scope | Specific auditor 100% transactions in period. C027, C049 | Do not generalise to universal daily PDA audits. |\n| G3-09 | Bank balance versus creditor fulfilment | answered as analytic distinction | Can reconcile cash yet have undistributed payments. C031–C032 | Actual statements and creditor acknowledgements. |\n| G3-10 | Debit-order reversals/refunds | partial | Audit TOR expressly tests them. C028 | Current chargeback, error, reversal and consumer-refund rules. |\n| G3-11 | Unidentified/returned/suspended funds | partial | Audit categories identified. C028, C042 | Account-specific disposition/closure authority. |\n| G3-12 | NCR reasons for delayed distribution | answered at gazetted baseline | Reg10A(9)(g). C012 | Exact submission form/method, receipt facts and any amended conditions. |\n| G3-13 | Interest and fee audit reconciliation | partial | Audit TOR checks interest transfers and deductions. C023, C029 | Complete approved policy/current fee-deduction rule. |\n| G3-14 | Compliance, breach and individual redress | partial | NCA regulatory route distinct from private damages. C045 | Separate operative complaint, sanction, restitution and private-law analysis. |\n\n### G4 — Hypothetical classifications and calculations\n\n| Row | Scenario/check | Status | Finding and claims | Missing evidence / next action |\n| --- | --- | --- | --- | --- |\n| G4-01 | Direct-to-creditor path | answered as hypothetical | No PDA receipt; consumer choice. C003, C038 | Actual creditor receipts/arrangement. |\n| G4-02 | Counsellor operating account | answered as adverse classification | Separate registration; reg11 restriction. C002, C004, C016 | Real account/actor facts not investigated. |\n| G4-03 | PDA full-distribution path | answered as conditional arithmetic | R6,000 receipt less R6,000 distributions = R0. C048 | Proof of transfers and permissible fee recovery. |\n| G4-04 | PDA partial failure | answered as conditional arithmetic | R700 closing, R600 creditor under-distribution; optional R40 reconciliation variance. C026–C032, C048 | Actual bank/ledger/recipient proof. |\n| G4-05 | Fee deduction before allocation | partial | R5/R10/R15 2015 fees for qualifying payments; no automatic trust deduction. C033–C036 | Current fee and deduction source, authorisation and actual service. |\n| G4-06 | Closure/attorney trust/error path | unresolved legal disposition | No automatic transfer/refund/forfeiture. C016, C042, C047 | Current closure conditions and separate trust law. |\n| G4-07 | Complete distribution formula | answered as bookkeeping | Opening + receipts − actual payouts − actual authorised debits = closing. C048 | No real account certified. |\n| G4-08 | Timing and shortfall analysis | partial | Five days from receipt; actual dates/business-day question held. C012, C015, C041 | Exact receipt/payment events and legal computation rule. |\n\n### G5 — Prior-work reconciliation and publication\n\n| Row | Question | Status | Finding and claims | Missing evidence / next action |\n| --- | --- | --- | --- | --- |\n| G5-01 | P01 C007 | answered for reconciliation | Original registration/direct payment position retained. C043 | No source supersession claim. |\n| G5-02 | P01 C051 | answered for reconciliation | Expanded with exact distribution, interest, fees and statement sections. C043, C050 | Current specific conditions remain open. |\n| G5-03 | P01 F04 acceptance | partial | Material PDA duties studied; full F04 still not cleared. C042–C043 | Currentness, bank title, funds control, legal remedies and broader regimes. |\n| G5-04 | P04/P05 fee independence | answered as scope | No adoption of counsellor fee conclusions. C046 | P05 coordinator review independent of this pass. |\n| G5-05 | Permissible publication/tool content | partial | Narrow statute-backed PDA explainer and evidence checklist possible. C044 | Source-currentness review before actual publication. |\n| G5-06 | Geographic and national scope | unresolved nationally | No nine-province or full country examination. C043 | Territorial rows below. |\n| G5-07 | Independent qualified review | excluded_with_reason | Researcher self-check only, no acceptance. C040, C043 | Coordinator separately reopens sources, reconciles registries and arithmetic. |\n\n## Separately deferred legal families\n\nThese are not “answered” by the existence of PDA rules. Each row remains `excluded_with_reason` from this narrow PASS-06.\n\n| Row | Deferred topic | Exact remaining question |\n| --- | --- | --- |\n| D01 | Whole provider-perimeter and business structure | What other provider status, legal professional capacity, adviser mandate or registration is required for all proposed services beyond PDA distribution? |\n| D02 | Private voluntary debt negotiator client money | Does the exact non-§86 service trigger separately regulated payment, agency, banking or professional law? |\n| D03 | Attorney professional trust accounts | Which Legal Practice Act, LPC rules, bank mandates and trust-account controls govern an actual attorney's receipt and custody? |\n| D04 | Creditor, collector, purchaser and servicer money | What collector/creditor agency and allocation rules apply to receipts controlled by that actor? |\n| D05 | Court-appointed administrator, trustee and liquidation office | Which court/Master appointment and funds-accounting regime actually applies? |\n| D06 | FSCA, regulated financial products and sector permissions | Does an actual service also constitute a defined financial service requiring separate approval? |\n| D07 | Complete National Payment System/SARB/PayInc authorisation | Which currently amended Act, directive, designated third-party category, system-membership condition and payment-system arrangement governs the exact flow? |\n| D08 | Financial Intelligence Centre, AML/CFT, identity verification | What FIC Act duties apply to the actual entity and activities? No assumed exemption or account procedure. |\n| D09 | Ordinary debt-counsellor consumer fee earning, refunds and caps | P04/P05 remain unaccepted; evaluate the distinct debt-counsellor fee provisions separately. |\n| D10 | Consumer service contracts, disclosures, mandates, CPA and distance contracts | Which governing agreement and statutory consumer-protection provisions determine authorisation of deductions and service changes? |\n| D11 | Private remedies, complaint redress, restitution, chargebacks and damages | What elements, regulator process, standing and available award follow an actual breach? |\n| D12 | Debt collection and validation/disputes | What statutory notices, underlying-debt proof and credit-provider obligations apply? |\n| D13 | Credit reporting and debt-review clearance | How do actual payments affect credit bureau records, Form19 and debt-review status? |\n| D14 | Prescription/limitation and revival | What does a particular payment, acknowledgment, default, order or judgment do to limitation periods? |\n| D15 | Tax/VAT beyond the express 2015 fee-table inclusion | Which VAT supplier, accounting period, input/output tax, current rate and invoicing rules apply to a real PDA transaction? |\n| D16 | Courts, enforcement, mortgages, security, repossession and exemptions | What creditor enforcement/security consequences arise from an uncredited payment or shortfall? |\n| D17 | Public debt, tax, support, fines, rent, medical and utilities | Which obligations are actually included in a relevant credit agreement or arrangement and which require special law? |\n| D18 | Insolvency, statutory administration, business rescue and 2019 debt intervention | What separate statutory office/remedy applies? The P02/P03 unknown 2019 commencement hold remains unchanged. |\n| D19 | Foreign law, remote provider, recognition, currency and cross-border funds | Which financial services/payment authorisation, applicable law and judgment/asset rules apply? A098 held. |\n| D20 | Whole South Africa country root and A097/A098 | Separate completed research and qualified review are required; no acceptance follows from P06. |\n| D21 | Municipalities, local forums and actual account/business locations | Are any local rules material to the identified premises, credit agreement, bank, branch or court? No locality examined. |\n| D22 | Other sectoral obligations and complete 2026 legislative currentness | Audit relevant consolidated law, professional rules and every subsequent Gazette amendment actually affecting the PDA questions. |\n\n### Geographic register — all nine provinces\n\nP06 researched national NCA/PDA provisions only. It neither invented provincial PDA registration powers nor examined local bank, municipal, court or business law in a specific place.\n\n| Row | Province | Status | Exact next question |\n| --- | --- | --- | --- |\n| T01 | Eastern Cape | `unresolved` | Does an actual provincial/local rule apply to the particular PDA premises, consumer, contract or funds dispute? Official local text not examined. |\n| T02 | Free State | `unresolved` | Same activity-specific test; no provincial/local legislation read. |\n| T03 | Gauteng | `unresolved` | Determine any actually applicable provincial/local text for the identified actor and venue; no geographic clearance inferred from NCR offices or audit work. |\n| T04 | KwaZulu-Natal | `unresolved` | Examine relevant enactments only when a material local nexus is identified. |\n| T05 | Limpopo | `unresolved` | Same location/actor nexus and primary-text requirement. |\n| T06 | Mpumalanga | `unresolved` | Same; no assumed province-specific licence or exemption. |\n| T07 | Northern Cape | `unresolved` | Same; no local body examined. |\n| T08 | North West | `unresolved` | Same; no court/municipality or provincial PDA rule examined. |\n| T09 | Western Cape | `unresolved` | Same; actual local jurisdictional/regulatory text remains required if relevant. |\n\n## Evidence-backed article, tool and document opportunities\n\n| Candidate | Useful task for a consumer or researcher | Publication condition |\n| --- | --- | --- |\n| “Who actually holds your debt-review payment?” | Distinguish direct creditor payments, registered PDA trust collection, unauthorised counsellor collection and other unverified actors. | Cite §44A, regulation 11 and reg10A; show limits of a registration-status check. |\n| “Read your PDA monthly statement” | Explain receipt, actual creditor credits, fees, undistributed amount, balances and the chosen communication channel. | Use reg10A(9)(c)–(d); avoid asserting all balances are final when regulation itself contemplates adjustments. |\n| “Why didn't the creditor receive the full payment?” | Separate lawful service charges, unreconciled funds, returned transfers, timing and discrepancies. | No claim of lawful deduction without current fee/account mandate; no invented automatic refund. |\n| Blank PDA reconciliation worksheet | Opening + receipts − payments − supported actual deductions = closing, with separate creditor and bank reconciliation and exception reasons. | Label as proposed educational worksheet, not official NCR software or certificate of compliance. |\n| PDA verification document checklist | Identify exactly what register, bank, statement and audit evidence would prove or fail to prove a specific fact. | No named provider lookups in this research and no “NCR approved” endorsement inferred. |\n| Change-monitoring reference page | Track reg10A, Schedule 2 fees, NCR registration conditions, interest policy and SARB NPS 2026 changes. | Publish dates, actual amendment/effective dates and verified source bodies separately. |\n\n## Read/search audit and unresolved primary documents\n\nActual repositories used: Government Gazette/gov.za, NCR published regulations and guidance, NCR public audit tender and annual report, dtic's NCA compilation, and SARB official NPS statute and transition pages.\n\nThe primary reads included the original PDA insertion, 2015 commencement, final regulation 10A and the prescribed distribution-fee schedule—not simply the source headers. PDF page images were inspected for the 2015 statement/five-day text, distribution-fee schedule, audit testing, and direct-payment guidance. The 2009/2014 drafts were examined only to prevent them being confused with operative 2015 law.\n\nThe following materially missing primary documents remain:\n\n1. Complete currently operative PDA registration conditions, including exact system, controls, mandate, reporting, account-title, signing and fee-deduction requirements.\n2. An official full post-2015 amendment and commencement reconciliation for regulation 10A, substituted regulation 11 and the PDA distribution-fee schedule.\n3. Complete Minister-approved interest-utilisation policy and any amendments, plus legally controlling account/beneficiary provisions.\n4. Current operative SARB NPS rules/directives and category tests, reconciled with the September 2026 institutional transition and the older PASA references.\n5. PDA exit, transfer, unallocated-money, banking insolvency and chargeback rules applicable to the exact funds and parties, with relevant banking/account conditions.\n6. Any actual bank mandate, consumer allocation instruction, registration condition, insurance policy or payment evidence. None was obtained or searched for.\n\nNo unsuccessful search is used to conclude that a later rule, registration condition or entitlement does not exist. In particular, the final 2015 Schedule 2 fee table is verified as gazetted, but not independently certified as the unchanged complete current table in October 2026.\n\n## Researcher self-check and counts\n\n| Output | Actual displayed count |\n| --- | --- |\n| P06 source-register rows | 13 (S001–S013) |\n| P06 atomic claims | 50 (C001–C050) |\n| Legal-force crosswalk rows | 11 |\n| Old-to-new disposition rows | 6 |\n| Distinct hypothetical money paths | 6 |\n| Full ledger arithmetic examples | 2 |\n| Additional prescribed-fee calculation examples | 2 (two-payment and three-payment classifications) |\n| Core G1 coverage | 10 |\n| Core G2 coverage | 16 |\n| Core G3 coverage | 14 |\n| Core G4 coverage | 8 |\n| Core G5 coverage | 7 |\n| Total core coverage | 55 |\n| Separate deferred-family rows | 22 |\n| Territorial/provincial rows | 9 |\n| Total coverage rows | 86 |\n\nSelf-check: The six hypothetical scenarios distinguish actor status, receipt, account control, actual distributions, fee entitlement and unresolved funds. The two main ledgers balance arithmetically; the first has zero closing funds and the second separates a R600 creditor-payment shortfall from an independent R40 bank discrepancy. The 2015 PDA fees are treated as VAT-inclusive service charges, not arbitrary client-money deductions. No current exact receipt-to-calendar deadline was fabricated. Capital, fidelity insurance, trust balance and account interest remain distinct.\n\nModel/provenance: This continuation was performed in regular Chat with public-source browsing. I cannot independently verify the coordinator's selected reasoning-power setting or claim a Pro tier. P01–P03 scoped reviews and P05's pending review remain as supplied; they are not recast as independent qualified review. No files, sites, records, accounts, licence checks, filings or publications were created or changed.\n\n### Exact next primary-source question\n\nWhat is the complete, currently operative text of the NCR's PDA registration conditions and all post-13-March-2015 amendments affecting regulation 10A(9), Schedule 2 distribution fees and interest-account rules, particularly the bank account-title, debit authorisation, handling of unidentified/returned payments, reconciliation frequency, fee collection, closure and reporting requirements?\n\nUntil that is answered, P06 supports a source-backed national PDA baseline, but not a certificate of compliance for a real payment flow, a blanket current-fee determination or a country-wide legal approval.\n\nDisposition: P01 C007 and C051 retained and expanded; F04 partially researched but not accepted as fully resolved. P04/P05 fee conclusions not adopted. P02/P03 2019 holds preserved. All local, foreign, contract and A097/A098 acceptance holds remain.\n\nEND C_ZA PASS-06\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Distributed payment amount","2015 prescribed PDA fee"],["R100–R200","R5"],["R201–R500","R10"],["More than R500","R15"],["Additional monthly statement requested by consumer","R3"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Record","What the record must resolve","Legal or evidentiary status"],["PDA authority/category","Exact registered juristic actor, applicable conditions, effective registration status, and whose system performs the distribution","§44A and regulation 10A; no named registry search conducted"],["Account certificate or bank confirmation","Bank, account title, named account holder, whether the account is designated trust, and any distinct interest account","Trust account required; actual title/holder/signing rules not established"],["Consumer mandate and relevant rearrangement plan","Consumer identification within internal ledger, authorised destination creditors, account references, proposed payment amounts and current instructions","Needed to classify transactions; no private mandate or order reviewed"],["Receipt journal","Value received, timestamp, unique receipt ID, bank reference, payer and identified consumer","Supports five-day trigger and monthly receipt statement"],["Distribution journal","Each credit provider, amount, transaction ID, initiation, bank execution and rejection/return evidence","Supports regulation 10A(9)(c),(f),(g) and auditing"],["Fee subledger","Distinguish PDA schedule fee from debt-counsellor fee, NCT/legal cost, creditor repayment and any contested deduction","Schedule 2 permits specified PDA fees; source of deduction still must be shown"],["Suspense/exception ledger","Unidentified deposit, bounced debit, failed credit, undistributed sum, pending instruction, or return","NCR audit TOR tests these categories; detailed resolution rights remain open"],["Consumer statement and dispatch evidence","Monthly reported amount, creditor allocations, fees, undistributed balance and the selected communication method","Regulation 10A(9)(c)–(d)"],["Bank-to-system reconciliation","Opening balance + receipts − actual debits = closing balance, compared to bank statements and transaction allocations","Regulated auditability; audit TOR expressly tests reconciliation"],["Closure and transfer evidence","Authority to transfer records or balances when a PDA ceases serving an account, including unsettled items","Current complete closure/insolvency/transfer conditions not obtained"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Opening balance","R0.00"],["+ Consumer receipt","R6,000.00"],["− Paid to Creditor A","R2,000.00"],["− Paid to Creditor B","R4,000.00"],["− Fee debits from trust","R0.00"],["Closing balance","R0.00"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Opening unresolved balance","R100.00"],["+ New consumer receipt","R6,000.00"],["− Actual paid to A","R2,600.00"],["− Actual paid to B","R2,800.00"],["− Assumed fee debits","R0.00"],["Expected ledger closing balance","R700.00"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Actual distribution","Relevant 2015 band","Possible PDA service fee, VAT included"],["R150","R100–R200","R5"],["R400","R201–R500","R10"],["R600","Exceeds R500","R15"],["R1,150","Three actual distributions","R30"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Existing row","Original supplied wording and original evidence","What P06 adds","Disposition"],["P01 C007","“NCA §44A establishes a separately registered payment distribution agent category. A debt-counsellor credential alone is not PDA registration, and regulator guidance distinguishes a debtor paying directly from using an appropriate PDA.” Original S002 §44A PDF P5–6; S003 August 2022 NCR guidance P1–2.","Fresh Act 19/2014 and 2015 Gazette reading establishes compulsory PDA registration, expressly voluntary consumer PDA use and the counsellor's separate collection/distribution prohibition. C001–C004, C038.","Retained; supplemented. No company, consumer or actual licence status verified."],["P01 C051","“PDA regulation 10A(5)–(9) has its own bank-guaranteed-cheque capital evidence, indemnity, independent-business and payment-account duties, including collection into a bank trust account and distribution/reporting requirements. These duties attach to the regulated PDA, not every business describing itself as a trustee.” Original S004 regulation 10A(5)–(9), PDF P5–8 / GG pp10–13.","Fresh full relevant Gazette text establishes monthly statement data, five-day distribution and reasons to NCR, separate interest accounts, electronic distribution, plus 2015 prescribed PDA service fees in Schedule 2 PDF P25/GG p30. C009–C035.","Retained; materially expanded. Actual account title, insurance policy, interest-policy body, deduction authority, exact registration conditions and complete 2026 amendment chain remain held."],["P01 F04","“Client money, trust accounts and payment safeguarding.” Previously excluded_with_reason, citing C007–C009, C029, C051, C053. Exact remaining question was to map account ownership, beneficial interests, custody, distribution, reconciliation, indemnity and interest.","Binding 2014/2015 baseline and a bounded official NCR operational audit record now support substantive PDA safeguards. C009–C032, C044–C050.","Partial substantive coverage. Do not reclassify complete F04 or all payment-law issues as answered."],["P01 other provider/perimeter claims","Individually researched provider, collector, legal practitioner and statutory actor categories under different laws.","No new determination of those actors' full money-handling powers. C004, C037, C047.","Preserved without whole-perimeter rerun."],["P04/P05 ordinary debt-counsellor fee discussion","Incomplete P04 introduction, followed by saved P05 continuation awaiting coordinator review.","No ordinary debt-counsellor charge/refund premise adopted. P06 independently read the 2015 PDA Schedule 2 charges only. C033–C036, C046.","No adoption or review implied."],["P02/P03 debt-intervention findings","Enactment/commencement unknown-status and narrow duration correction.","No research, operational claim, form or fee regarding that separate 2019 scheme.","Holds unchanged."]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Issuer, title and complete literal direct HTTPS URL","Pinpoints and actual read bounds","Status, legal authority and limitations"],["S001","Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389, 19 May 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","Inserted PDA definition, PDF P2/GG p4; inserted NCA §44A(1)–(6), PDF P5–6/GG pp10–12; material surrounding registration provisions also read.","Fresh enacted primary body. Relevant commencement established separately by S003. No complete 2026 consolidation; actual actor/registration facts not examined. \nSouth African Government"],["S002","Minister of Trade and Industry, National Credit Regulations including Affordability Assessment Regulations, GG38557, GoN R202, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557rg10382gon202.pdf","Enactment/effect notice PDF P0/GG p5; reg10A(1)–(3), P3–4/GG pp8–9; 10A(4)–(8), P5–6/GG pp10–11; 10A(9)(a)–(h), P6–8/GG pp11–13; reg11 substitution, P11/GG p16; regulatory noncompliance clause, P24/GG p29; Schedule 2 PDA distribution fees, P25/GG p30; Form46 name, P31/GG p36.","Fresh final gazetted body; relevant page images inspected, including P7 and P25. Notice states effect on publication. Later amendment/supersession chain not comprehensively certified through 2026. Fee-service and NCR-registration fee schedules are separate. Internal cross-reference errors preserved, not repaired."],["S003","President, Commencement of National Credit Amendment Act 19 of 2014, Proclamation R10 of 2015, GG38557, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Entire operative proclamation, PDF P0/GG p3, referring expressly to Act19/2014 §39 and commencement upon publication.","Fresh primary body, official page inspected. Establishes March 2015 commencement of the 2014 amendment, not the 2019 debt-intervention scheme. No later amendment-chain certification implied. \nSouth African Government"],["S004","National Credit Regulator, Criteria for Registration as a Payment Distribution Agent. https://www.ncr.org.za/documents/pages/PDA/Requirements%20for%20registration%20as%20a%20payment%20distribution%20agent.pdf","PDF P0/guide p1: entity/employee requirements and record retention for five years; P1/guide p2: capital, insurance, independence and application requirements, including an older PASA-registration instruction.","Fresh regulator guide body, undated administrative document. Neither every condition of an actual registration nor a final 2026 updated guide. PASA instruction needs reconciliation with S011. \nNCR"],["S005","dtic, National Credit Act 34 of 2005, dated consolidation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","§2(5), PDF P13; §44A and registration framework, P31–32; §50 and §52, approximately P35–36; §55 compliance powers, approximately P37–38. Original Gazette printed-page mapping not verified for consolidation.","Fresh relevant sections read, but compilation dated to a 2019 Gazette later replaced as established in P02. Used cautiously for section structure, especially the distinction between “business days” and unqualified “days.” Not a complete certified 2026 NCA text. \nTrade and Industry Dept."],["S006","NCR, Terms of Reference: Appointment of a Service Provider to Conduct Annual Audits of Registered PDAs, NCR931.09.2024, September 2024. https://ncr.org.za/index.php/component/phocadownload/category/354-ncr931-09-2024-appointment-of-a-service-provider-to-conduct-annual-audits-for-the-registered-pdas-for-period-of-three-3-years-and-two-2-months?download=2113%3Aterms-of-reference","Cover PDF P0; audit specifications PDF P7–13/document printed pp8–14; receipt/expenditure 100% tests, P11/printed p12; ledger/exception/refund tests P9–12/printed pp10–13.","Fresh official procurement/audit body, page images inspected. Specifies desired independent-auditor testing, not a general statutory daily-reconciliation rule, private consumer award or proof that every PDA was audited successfully. \nNCR"],["S007","NCR, Annual Report 2023/24. https://ncr.org.za/documents/pages/Annual%20Reports/NCR%20Annual%20Report%202024_mh_v26a.pdf","PDA audit/interest supervision, PDF P50–52, especially P51/document printed p50; interest and unidentified-funds accounting, PDF P100–111, especially financial statements around printed pp99–110.","Fresh official historical annual report covering the reporting period ending March 2024, not a 2026 compliance certificate or substitute for the full Minister-approved interest policy. \nNCR\n+1"],["S008","NCR, Terms of Reference for an Impact Assessment of Educational and Investigation Activities, 2021 procurement material. https://ncr.org.za/index.php/component/phocadownload/category/251-ncr749-03-2021-appointment-of-a-service-provider-to-conduct-an-impact-assessment-of-the-educational-and-investigation-activities?download=1375%3Ancr7491","Historical interest-policy description PDF P7/document printed p8; states the Minister-approved policy effective 15 October 2015.","Fresh regulator-issued historical procurement body. Describes policy history, but the complete original approved policy and its amendments were not opened. Not sufficient alone for individual entitlement to interest. \nNCR"],["S009","NCR, Guidelines for the Withdrawal from Debt Review, Guideline 002/2015, February 2015. https://www.ncr.org.za/documents/pages/circulars/feb2015/Withdrawal%20from%20debt%20review%20guidelines.pdf","§5.2, PDF P4/printed guideline p5: direct creditor payment election, timely repayment and monthly evidence to counsellor. Adjacent §5.1 distinction read; page image inspected.","Fresh NCR guidance, not a new parliamentary Act or binding 2026 payment-distribution condition. Only the direct-payment boundary used. Full withdrawal/fees/remedies scope remains excluded."],["S010","Parliament/South African Reserve Bank, National Payment System Act 78 of 1998, SARB-hosted amended compilation. https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight/NPS%20Act.pdf","Definitions §1, PDF P1–3; §7 payments to third persons, PDF P9–10; §12 directives, P14. Original printed Act/Gazette pages were not separately established.","Fresh relevant provisions read. Compilation incorporates amendments only through the listed 2008 instruments; not a complete 2026 NPS legal/current-permission determination. \nSouth African Reserve Bank"],["S011","South African Reserve Bank, PSMB Transition official announcement. https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb","HTML body, transition paragraphs including 11 August 2026 and 2 September 2026 changes; PDF index/printed Gazette page not applicable.","Fresh official operational announcement. Transfer of NPS payment-institution licensing/authorisation/registration functions to SARB; not itself a registration for an individual PDA or a repeal of §44A. \nSouth African Reserve Bank"],["S012","Minister, Draft National Credit Regulations, GG37882, GoN R597, 1 August 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf","Draft notice PDF P0/GG p3 and proposed PDA provisions around P4–9/GG pp7–12; draft form number differs from final 2015 regulation.","Fresh historical draft body read for version discrimination; not an operative PDA permission, deadline or current condition. The enacted comparison is S002. \nSouth African Government"],["S013","Minister, Draft Debt Counselling Regulations, General Notice 503, GG32229, 15 May 2009. https://www.gov.za/sites/default/files/gcis_document/201409/32229503.pdf","Notice expressly for public comments, PDF P0/GG p3; proposed debt-counselling rules P1–3/GG pp4–6.","Fresh historical draft body read. Not used to establish 2015/2026 trust account, distribution, refund or reconciliation duties. \nSouth African Government"]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Exact proposition, actor, predicates and consequence","Source and pinpoint","Authority and evidence limit"],["C001","NCA's inserted definition addresses payment distribution on behalf of a consumer who applied for debt review under an applicable rearrangement, agreement or order.","S001 inserted NCA §1, PDF P2/GG p4","Act; exact transaction classification required."],["C002","A person offering, performing or holding out as authorised for PDA services must hold NCR PDA registration.","S001 §44A(1)–(2)(a), PDF P5–6/GG pp10–12","Act; no entity checked, and other payment laws can still apply."],["C003","A consumer is not obliged to use a PDA.","S001 §44A(2)(b), PDF P5/GG p10","Act; does not excuse debt payments actually due."],["C004","A debt counsellor must not collect and distribute consumer money. Debt-counsellor registration does not substitute for PDA registration.","S002 substituted regulation 11, PDF P11/GG p16; S001 §44A","Final regulation and Act; exact actor/function relevant."],["C005","PDA applicant must satisfy prescribed organisational, experience, competence, staffing/system and financial requirements; the final regulation names Form 46.","S002 reg10A(1)–(4), PDF P3–5/GG pp8–10","Binding category rules; present individual conditions/approval unsearched."],["C006","NCR guide states a natural person may not register as PDA and identifies qualifying corporate/cooperative forms.","S004 PDF P0/guide p1; S002 reg10A(3)","Regulator guidance and regulation; no actual corporation authorized."],["C007","Training/representation and independence conditions apply to PDA operations and workers, not a transferable individual debt-counsellor credential.","S002 reg10A(3),(7),(8), P3–6/GG pp8–11","Regulation; actual staffing/conditions not checked."],["C008","Act19/2014 commenced under Proclamation R10/2015; R202 regulations say effective on 13 Mar 2015 publication.","S003 P0/GG p3; S002 P0/GG p5","Actual historical commencement; not final 2026 supersession proof and not 2019 intervention."],["C009","PDA must deposit consumer receipts into a trust account at a registered bank and distribute to creditors and debt counsellors.","S002 reg10A(9)(f), P7/GG p12","Regulation; account title/signer/fund entitlement fact-specific."],["C010","PDA and NCR interest-account arrangements are addressed separately from ordinary repayment trust funds.","S002 reg10A(9)(h), P8/GG p13","Regulation with textual drafting irregularities; cannot assume every beneficial interest."],["C011","PDA must give monthly statement showing dates, amounts, paid creditors, undistributed funds, balances with disclaimer, PDA fees and counsellor payments.","S002 reg10A(9)(c), P7/GG p12","Regulation; electronic/reporting conditions may add detail."],["C012","PDA distributes money received within five days of receipt; failure requires submitting reasons to NCR.","S002 reg10A(9)(g), P7/GG p12","Regulation; not stated as business days, no automatic extension."],["C013","Consumer chooses among listed methods for monthly statement delivery, including email, SMS, MMS, fax or writing.","S002 reg10A(9)(d), P7/GG p12","Regulation; exact dispatch/receipt proof not determined."],["C014","Registered PDA maintains fidelity insurance, trust accounts and NCR-requested accounts for financial audit.","S001 §44A(4), P6/GG p12","Act; no actual policy, bank contract or audit report inspected."],["C015","NCA §2(5) specifically addresses business days. It cannot alone justify relabelling reg10A's five unqualified days as “five business days.”","S005 §2(5), PDF P13; S002 reg10A(9)(g)","Textual interpretation; exact time-computation convention remains held."],["C016","Trust-account requirement does not itself establish actual account title, bank customer, beneficial ownership, signatories or mandate authority for a specific account.","S002 reg10A(9)(f),(h); S001 §44A(4)","Evidence-limit/contractual fact inference; actual bank documents absent."],["C017","Reg10A(5) specifies R5m minimum PDA investment/operating capital with stated bank-guaranteed-cheque application evidence.","S002 reg10A(5), P5/GG p10","Regulation; not client trust-account minimum or consumer cost."],["C018","Reg10A(6) specifies compensatory fidelity/insurance cover referenced to aggregate collected-for-distribution funds.","S002 reg10A(6), P5–6/GG pp10–11","Regulation; value ≠ premium; actual policies/exposure unavailable."],["C019","When applicant also conducts counselling, it must show operational independence and no distribution for its own counselling clients.","S002 reg10A(7), P6/GG p11","Regulation; corporate-group facts unknown."],["C020","Interest on consumer receipts is addressed via separate trust account and NCR interest-account requirements.","S002 reg10A(9)(h), P8/GG p13","Regulation; text/cross-references require care."],["C021","NCR official historical records describe Minister-approved interest utilisation for education and investigations.","S008 PDF P7/printed p8; S007 relevant financial/programme reporting","Regulator account of policy, not full policy body or automatic allocation to a consumer."],["C022","NCR 2023/24 annual report describes supervisory reporting/audits and the NCR PDA-interest account.","S007 P51, P100–111","Dated institution-specific evidence, not current independent approval of any PDA."],["C023","NCR 2024 audit tender calls for testing interest transfers and preventing undocumented bank-charge offsets.","S006 P9–12","Procurement specification, not full interest-beneficial-ownership judgment."],["C024","PDA must implement electronic distribution functionality determined through conditions/guidelines.","S002 reg10A(9)(a), P6/GG p11","Regulation plus dependent actual registration conditions unread."],["C025","PDA reporting to consumer, creditors, counsellor and NCR must comply with forms/methods in applicable conditions/guidelines.","S002 reg10A(9)(b),(e), P6–7/GG pp11–12","Regulation; latest actual forms/conditions unresolved."],["C026","NCR 2024 audit TOR checks bank balances, ledger reconciliations, beneficiary allocation and creditor distributions against proposals.","S006 PDF P9–11/printed pp10–12","Audit task specification, not independent law that all tests run daily."],["C027","Tender specifies auditor testing 100% of income/expenditure transactions in the audit period.","S006 PDF P11/printed p12","Auditor assignment, not universal 100% daily PDA testing rule."],["C028","TOR covers disputed/reversed debit orders, refunds, unidentified, returned, suspended and undistributed funds.","S006 PDF P11–12/printed pp12–13","Official examination topics; particular refund/chargeback rights not decided."],["C029","TOR tests PDA deductions/fees, interest transfers and computer-system resilience.","S006 PDF P10–13","Audit scope, not automatic debit authority or specified bank-signing controls."],["C030","NCR guide requires mechanisms retaining payment records at least five years after payment event.","S004 PDF P0/guide p1","Registration guidance; precise binding 2026 condition and applicable records act remain to be verified."],["C031","Reconciled cash balances and timely creditor distributions are different tests.","S002 reg10A(9)(c),(g); S006 P9–12","Audit/accounting inference, not an independent new statutory formula."],["C032","Missing creditor payments or a bank shortfall require classification against evidence and applicable reporting; neither automatically produces refund, cancellation or damages.","S002 reg10A(9)(c),(g); S006 audit topics","Evidence-limited inference; specific remedies reserved."],["C033","2015 Schedule 2 prescribes specified PDA fees per actual creditor payment under covered rearrangement plan, plus extra requested statement fee.","S002 Schedule 2, PDF P25/GG p30","Ministerial regulation, distinct from debt-counsellor fee guidance. Later amendments unresolved."],["C034","2015 bands: R100–R200 → R5; R201–R500 → R10; >R500 → R15; requested additional monthly statement → R3.","S002 Schedule 2, P25/GG p30","Service/category predicates apply; not an automatic monthly flat consumer charge."],["C035","Those 2015 Schedule 2 fee amounts include VAT; literal wording does not expressly classify below-R100 or fractional gaps.","S002 Schedule 2, P25/GG p30","No guessed rounding or application to unlisted amounts."],["C036","Permission to recover an earned PDA service fee is not, by itself, proof that the PDA may debit that amount from a specified consumer's trust funds without validating recovery method/conditions.","S002 Schedule 2 and reg10A(9)(c),(f)","Bounded legal/evidence inference; actual fee mandate, deduction rule and allocation missing."],["C037","Separate National Payment System §7 third-party payment functions may require distinct authorisation; 2026 SARB transition reallocates NPS licensing functions from PASA.","S010 §7 PDF P9–10; S011 HTML transition section","Independent regulatory screen. Current complete NPS directives/permissions not researched."],["C038","Consumer can choose direct payment; NCR 2015 guidance treats direct payments as compatible with continuing debt review and requests monthly proof to counsellor.","S001 §44A(2)(b); S009 §5.2 PDF P4/printed p5","Statutory non-compulsion plus older guideline; no blanket proof-of-payment statutory sanction established."],["C039","2009/2014 proposals are drafts, not final 2015 PDA duties, even where wording resembles the final regulation.","S012 P0/draft PDA provisions; S013 P0–3","Official historical proposals; final is S002."],["C040","No complete post-2015 supersession check for reg10A, five-day rule and Schedule 2 fees was completed through 26 Oct 2026 PDT.","S002, S004–S013 bounded reads/search","Honest currentness hold; not proof unchanged or repealed."],["C041","Five-day distribution is triggered by money received; bookkeeping allocation or payment instruction is not automatically proof of receipt/distribution.","S002 reg10A(9)(c),(g), P7/GG p12","Transaction-evidence interpretation; exact calendar methodology/settlement finality unverified."],["C042","No automatic statutory refund, forfeiture, closure transfer, consumer interest allocation or shortfall-compensation formula was established by the PDA bodies read.","S001 §44A; S002 reg10A(9); S006 audit exception topics","Negative bounded evidence statement only; other applicable law/conditions not ruled out."],["C043","Original P01 C007/C051 stand; F04 gains narrow substantive PDA findings but remains partial.","S001–S006; supplied original P01 literal claims/F04 row","Scoped continuation, no full provider/country acceptance or independent review."],["C044","Evidence packet of registration, account, receipt, creditor, fee, audit and closure records is an analytical proposal built from the actual required reporting and audit fields.","S001 §44A; S002 reg10A(9); S006 audit TOR","Not a legislatively prescribed combined form."],["C045","PDA noncompliance engages the NCA's applicable procedures and regulator authority; an alleged breach alone does not adjudicate a private damages award.","S002 PDF P24/GG p29; S005 §§52,55","Statutory/procedural boundary; enforcement/remedies full analysis deferred."],["C046","No P04/P05 ordinary debt-counsellor fee, refund or chargeback premise is accepted into P06.","Supplied P04/P05 provenance; independent S002 Schedule 2","Research-scope decision; does not determine fees owed to counsellor."],["C047","Attorney trust, creditor collection, private adviser custody, court administration and liquidation have independent actor/permission questions not answered by PDA registration.","S001 §44A; S002 reg11; P01 boundaries preserved","Separate legal bodies/mandates unreviewed in P06."],["C048","Hypothetical R6,000 receipt − R6,000 creditor distributions = R0, and R100 + R6,000 − R5,400 = R700 are exact bookkeeping results; 2015 fees for two payments >R500 equal R30 if due.","S002 reg10A(9), Schedule 2; calculation assumptions in G4","Arithmetic and classifications conditional; not proof of legal transfer/fees or current schedule."],["C049","NCR's 2024 proposed audit tests are not self-executing binding registration conditions merely because they appear in an official tender.","S006 P7–13; S002 reg10A(9)(a),(e)","Requires actual relevant registration conditions and current final legal provisions."],["C050","The 2015 Gazette has inconsistent internal cross-references/numbering in statement and interest provisions. Their wording must not be silently normalised into a new substantive right.","S002 reg10A(9)(c),(d),(h), PDF P7–8/GG pp12–13","Source-text issue; any official correction/amendment not fully traced."]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Instrument or dependency","What is established","What is not established","Status/claims"],["2014 amendment — §44A","National registration requirement, consumer choice, trust/insurance/audit duties","Particular PDA status, bank account or later amendments","Answered at enacted-law baseline — C001–C003, C014"],["2015 commencement proclamation","Proclamation R10/2015 brings the 2014 amendment into operation","Later amendments or permissions","Answered historically — C008"],["2015 R202, regulation 10A","Corporate/resource conditions, bank trust, distribution within five days, statements, interest arrangements","All final registration conditions and supersession through 2026","Partial-currentness — C005–C025, C040"],["2015 R202, regulation 11","Separate restriction on debt counsellors collecting and distributing","Complete alternative professional/payment-service perimeter","Answered narrowly — C004, C047"],["2015 R202, Schedule 2 PDA fees","Prescribed distribution-service bands and extra statement amount, inclusive of VAT","Current amendments and deduction-from-trust mechanism for a specific consumer","Partial-currentness — C033–C036"],["2009/2014 consultation drafts","Earlier proposals and version history","Current binding PDA requirements","Excluded as operative sources — C039"],["NCR PDA guide","Administrative registration criteria including five-year record retention","Every current individual condition or post-2026 payment membership rule","Partial — C006, C030, C040"],["2024 NCR audit terms","What the regulator proposed that external auditors test","Universal legally required daily internal-audit frequency or complete enforceable consumer remedies","Answered as audit scope only — C026–C029, C049"],["Interest-policy descriptions","Official reports describe distinct interest-account utilisation and supervision","Current complete approved policy, legal beneficial interests and account-level allocations","Partial — C020–C023, C050"],["NPS/SARB overlay","Separate NPS Act screen and 2026 transfer of payment-institution authorisation functions","Particular PDA's NPS status or all amended NPS directives","Partial — C037"],["Regulatory failure/consumer redress","Applicable NCA procedures, reporting and audit boundaries","Automatic personal refund, damages, debt cancellation or enforcement outcome","Partial — C032, C042, C045"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Question","Status","Substantive finding and claims","Missing evidence / exact next action"],["G1-01","PDA definition/activity","answered","Definition links debt-review consumer repayment distribution to the relevant arrangement/order. C001","Specific mandate/debt documents absent."],["G1-02","NCR PDA registration and consumer choice","answered","Category registration required; consumer use optional. C002–C003","No named status search; future category verification if authorised."],["G1-03","Counsellor versus PDA/other actors","answered narrowly","Reg11 restriction and separate §44A. C004, C047","Other actors' own permissions deferred."],["G1-04","Entity/person/employee capacity","partial","Prescribed corporate/resources and guide; separate representation. C005–C007","Actual current conditions/roles missing."],["G1-05","2014/2015 commencement","answered","R10/2015 and final R202 publication. C008","Complete later amendment chain separate."],["G1-06","Current 2026 consolidation","unresolved","Historical primary rules identified; all later changes not excluded. C040","Obtain authoritative full amendment/commencement register and final affected instruments."],["G1-07","Drafts versus final","answered","2009/2014 drafts are not the final 2015 rule. C039","None for that document-identity distinction."],["G1-08","NPS/SARB separate gateway","partial","NPS §7; SARB 2026 institutional transfer. C037","Read all applicable current directives/permissions for an actual funds-flow design."],["G1-09","PDA fees as distinct regulatory category","partial","2015 gazetted bands, VAT included. C033–C035","Post-2015 amendments and exact transaction facts."],["G1-10","Registration conditions/guidelines","partial","Reg10A repeatedly delegates system/reporting detail to conditions/guidelines. C024–C025, C049","Obtain complete currently effective PDA registration-condition instruments and amendments."]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Question","Status","Substantive finding and claims","Missing evidence / exact next action"],["G2-01","Payer and distribution beneficiary","answered narrowly","Money received from consumer for payments to relevant creditors/counsellors. C001, C009","Actual lawful allocation documents needed."],["G2-02","Registered-bank trust account","answered","Reg10A(9)(f) bank trust requirement. C009","Actual account certificate unavailable."],["G2-03","Exact legal account title/holder","unresolved","No precise account name inferred. C016","Obtain prescribed account-title condition and actual bank evidence if later authorised."],["G2-04","Legal/beneficial ownership","unresolved","Trust label alone insufficient. C016, C020","Read operative trust/banking/insolvency and actual account terms in dedicated pass."],["G2-05","Signing/approval/initiator permissions","unresolved","Reg requires systems, but specific signing matrix not established. C016, C024","Read current registration condition and payment-provider mandate."],["G2-06","Distribution interval","answered at gazetted baseline","Within five days of receipt; reasons to NCR if failed. C012, C041","Transaction receipt/execution evidence for actual event."],["G2-07","Nonbusiness days/calendar computation","partial","Text says five days, not five business days. C015, C041","Verify full operative time-computation rule, holidays and banking settlement facts before stating exact calendar cutoff."],["G2-08","Distribution to each creditor","partial","Statement must show actual creditor payments; audit tests plan matching. C011, C026","Current individual plan and bank acknowledgements."],["G2-09","Chargeable PDA fee categories","partial","Regulated 2015 Schedule 2 per-payment bands. C033–C035","Current version and actual service/band predicates."],["G2-10","Deducting fees from client trust money","unresolved","Fee recovery does not alone establish deduction source/stage. C036","Find current account/deduction rules, mandate and applicable conditions."],["G2-11","R5m regulatory capital","answered at gazetted baseline","Separate investment/operating capital. C017","No claim about a given PDA's financial resources."],["G2-12","Compensatory fidelity/insurance","partial","Linked to aggregate consumer funds distributed. C014, C018","Current policy coverage/exclusions, exposure measure and conditions."],["G2-13","PDA/debt-counselling independence","answered at gazetted baseline","Reg10A(7). C019","Actual corporate-group and client relationships absent."],["G2-14","Interest account and beneficiary","partial","Separate account and regulator policy architecture. C010, C020–C023","Obtain full amended §10A(9)(h), approved policy, actual account terms and ownership analysis."],["G2-15","Failure, shortfall and returned transfer","partial","Reg five-day duty, reporting and audit tests. C012, C028, C032","Actual bank/creditor records; enforceable remedy and recovery rules deferred."],["G2-16","Closure, transfer, insolvency/refund","unresolved","No universal disposition rule derived. C042, C047","Locate current PDA exit conditions, banking mandate, statutory insolvency provisions and actor-specific rights."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Question","Status","Substantive finding and claims","Missing evidence / exact next action"],["G3-01","Electronic distribution system","partial","Mandatory system functionality tied to NCR requirements. C024","Current system-conditions document."],["G3-02","Reports to NCR/other participants","partial","Reporting obligation and delegated form requirements. C025","Full operative reporting conditions and forms."],["G3-03","Monthly statement data fields","answered at gazetted baseline","Receipts, creditors/amounts, undistributed, balances, fees and counsellor payments. C011","Actual statement contents in any case unavailable."],["G3-04","Statement delivery medium","answered at gazetted baseline","Choice from listed media. C013","Actual choice/dispatch proof absent."],["G3-05","Payment record retention","partial","NCR guide states five years after payment event. C030","Check binding registration condition and current amended records law."],["G3-06","Bank-to-system reconciliation","partial","NCR audit TOR tests records and bank balance matching. C026","Exact current mandatory internal frequency/technical format not verified."],["G3-07","Daily/monthly reconciliation frequency","unresolved","Monthly statement proved; daily internal reconciliation not proved. C025–C027, C049","Current conditions and transaction-processing standards."],["G3-08","100% independent audit sampling","answered as audit tender scope","Specific auditor 100% transactions in period. C027, C049","Do not generalise to universal daily PDA audits."],["G3-09","Bank balance versus creditor fulfilment","answered as analytic distinction","Can reconcile cash yet have undistributed payments. C031–C032","Actual statements and creditor acknowledgements."],["G3-10","Debit-order reversals/refunds","partial","Audit TOR expressly tests them. C028","Current chargeback, error, reversal and consumer-refund rules."],["G3-11","Unidentified/returned/suspended funds","partial","Audit categories identified. C028, C042","Account-specific disposition/closure authority."],["G3-12","NCR reasons for delayed distribution","answered at gazetted baseline","Reg10A(9)(g). C012","Exact submission form/method, receipt facts and any amended conditions."],["G3-13","Interest and fee audit reconciliation","partial","Audit TOR checks interest transfers and deductions. C023, C029","Complete approved policy/current fee-deduction rule."],["G3-14","Compliance, breach and individual redress","partial","NCA regulatory route distinct from private damages. C045","Separate operative complaint, sanction, restitution and private-law analysis."]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Row","Scenario/check","Status","Finding and claims","Missing evidence / next action"],["G4-01","Direct-to-creditor path","answered as hypothetical","No PDA receipt; consumer choice. C003, C038","Actual creditor receipts/arrangement."],["G4-02","Counsellor operating account","answered as adverse classification","Separate registration; reg11 restriction. C002, C004, C016","Real account/actor facts not investigated."],["G4-03","PDA full-distribution path","answered as conditional arithmetic","R6,000 receipt less R6,000 distributions = R0. C048","Proof of transfers and permissible fee recovery."],["G4-04","PDA partial failure","answered as conditional arithmetic","R700 closing, R600 creditor under-distribution; optional R40 reconciliation variance. C026–C032, C048","Actual bank/ledger/recipient proof."],["G4-05","Fee deduction before allocation","partial","R5/R10/R15 2015 fees for qualifying payments; no automatic trust deduction. C033–C036","Current fee and deduction source, authorisation and actual service."],["G4-06","Closure/attorney trust/error path","unresolved legal disposition","No automatic transfer/refund/forfeiture. C016, C042, C047","Current closure conditions and separate trust law."],["G4-07","Complete distribution formula","answered as bookkeeping","Opening + receipts − actual payouts − actual authorised debits = closing. C048","No real account certified."],["G4-08","Timing and shortfall analysis","partial","Five days from receipt; actual dates/business-day question held. C012, C015, C041","Exact receipt/payment events and legal computation rule."]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Row","Question","Status","Finding and claims","Missing evidence / next action"],["G5-01","P01 C007","answered for reconciliation","Original registration/direct payment position retained. C043","No source supersession claim."],["G5-02","P01 C051","answered for reconciliation","Expanded with exact distribution, interest, fees and statement sections. C043, C050","Current specific conditions remain open."],["G5-03","P01 F04 acceptance","partial","Material PDA duties studied; full F04 still not cleared. C042–C043","Currentness, bank title, funds control, legal remedies and broader regimes."],["G5-04","P04/P05 fee independence","answered as scope","No adoption of counsellor fee conclusions. C046","P05 coordinator review independent of this pass."],["G5-05","Permissible publication/tool content","partial","Narrow statute-backed PDA explainer and evidence checklist possible. C044","Source-currentness review before actual publication."],["G5-06","Geographic and national scope","unresolved nationally","No nine-province or full country examination. C043","Territorial rows below."],["G5-07","Independent qualified review","excluded_with_reason","Researcher self-check only, no acceptance. C040, C043","Coordinator separately reopens sources, reconciles registries and arithmetic."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred topic","Exact remaining question"],["D01","Whole provider-perimeter and business structure","What other provider status, legal professional capacity, adviser mandate or registration is required for all proposed services beyond PDA distribution?"],["D02","Private voluntary debt negotiator client money","Does the exact non-§86 service trigger separately regulated payment, agency, banking or professional law?"],["D03","Attorney professional trust accounts","Which Legal Practice Act, LPC rules, bank mandates and trust-account controls govern an actual attorney's receipt and custody?"],["D04","Creditor, collector, purchaser and servicer money","What collector/creditor agency and allocation rules apply to receipts controlled by that actor?"],["D05","Court-appointed administrator, trustee and liquidation office","Which court/Master appointment and funds-accounting regime actually applies?"],["D06","FSCA, regulated financial products and sector permissions","Does an actual service also constitute a defined financial service requiring separate approval?"],["D07","Complete National Payment System/SARB/PayInc authorisation","Which currently amended Act, directive, designated third-party category, system-membership condition and payment-system arrangement governs the exact flow?"],["D08","Financial Intelligence Centre, AML/CFT, identity verification","What FIC Act duties apply to the actual entity and activities? No assumed exemption or account procedure."],["D09","Ordinary debt-counsellor consumer fee earning, refunds and caps","P04/P05 remain unaccepted; evaluate the distinct debt-counsellor fee provisions separately."],["D10","Consumer service contracts, disclosures, mandates, CPA and distance contracts","Which governing agreement and statutory consumer-protection provisions determine authorisation of deductions and service changes?"],["D11","Private remedies, complaint redress, restitution, chargebacks and damages","What elements, regulator process, standing and available award follow an actual breach?"],["D12","Debt collection and validation/disputes","What statutory notices, underlying-debt proof and credit-provider obligations apply?"],["D13","Credit reporting and debt-review clearance","How do actual payments affect credit bureau records, Form19 and debt-review status?"],["D14","Prescription/limitation and revival","What does a particular payment, acknowledgment, default, order or judgment do to limitation periods?"],["D15","Tax/VAT beyond the express 2015 fee-table inclusion","Which VAT supplier, accounting period, input/output tax, current rate and invoicing rules apply to a real PDA transaction?"],["D16","Courts, enforcement, mortgages, security, repossession and exemptions","What creditor enforcement/security consequences arise from an uncredited payment or shortfall?"],["D17","Public debt, tax, support, fines, rent, medical and utilities","Which obligations are actually included in a relevant credit agreement or arrangement and which require special law?"],["D18","Insolvency, statutory administration, business rescue and 2019 debt intervention","What separate statutory office/remedy applies? The P02/P03 unknown 2019 commencement hold remains unchanged."],["D19","Foreign law, remote provider, recognition, currency and cross-border funds","Which financial services/payment authorisation, applicable law and judgment/asset rules apply? A098 held."],["D20","Whole South Africa country root and A097/A098","Separate completed research and qualified review are required; no acceptance follows from P06."],["D21","Municipalities, local forums and actual account/business locations","Are any local rules material to the identified premises, credit agreement, bank, branch or court? No locality examined."],["D22","Other sectoral obligations and complete 2026 legislative currentness","Audit relevant consolidated law, professional rules and every subsequent Gazette amendment actually affecting the PDA questions."]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Province","Status","Exact next question"],["T01","Eastern Cape","unresolved","Does an actual provincial/local rule apply to the particular PDA premises, consumer, contract or funds dispute? Official local text not examined."],["T02","Free State","unresolved","Same activity-specific test; no provincial/local legislation read."],["T03","Gauteng","unresolved","Determine any actually applicable provincial/local text for the identified actor and venue; no geographic clearance inferred from NCR offices or audit work."],["T04","KwaZulu-Natal","unresolved","Examine relevant enactments only when a material local nexus is identified."],["T05","Limpopo","unresolved","Same location/actor nexus and primary-text requirement."],["T06","Mpumalanga","unresolved","Same; no assumed province-specific licence or exemption."],["T07","Northern Cape","unresolved","Same; no local body examined."],["T08","North West","unresolved","Same; no court/municipality or provincial PDA rule examined."],["T09","Western Cape","unresolved","Same; actual local jurisdictional/regulatory text remains required if relevant."]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Candidate","Useful task for a consumer or researcher","Publication condition"],["“Who actually holds your debt-review payment?”","Distinguish direct creditor payments, registered PDA trust collection, unauthorised counsellor collection and other unverified actors.","Cite §44A, regulation 11 and reg10A; show limits of a registration-status check."],["“Read your PDA monthly statement”","Explain receipt, actual creditor credits, fees, undistributed amount, balances and the chosen communication channel.","Use reg10A(9)(c)–(d); avoid asserting all balances are final when regulation itself contemplates adjustments."],["“Why didn't the creditor receive the full payment?”","Separate lawful service charges, unreconciled funds, returned transfers, timing and discrepancies.","No claim of lawful deduction without current fee/account mandate; no invented automatic refund."],["Blank PDA reconciliation worksheet","Opening + receipts − payments − supported actual deductions = closing, with separate creditor and bank reconciliation and exception reasons.","Label as proposed educational worksheet, not official NCR software or certificate of compliance."],["PDA verification document checklist","Identify exactly what register, bank, statement and audit evidence would prove or fail to prove a specific fact.","No named provider lookups in this research and no “NCR approved” endorsement inferred."],["Change-monitoring reference page","Track reg10A, Schedule 2 fees, NCR registration conditions, interest policy and SARB NPS 2026 changes.","Publish dates, actual amendment/effective dates and verified source bodies separately."]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Output","Actual displayed count"],["P06 source-register rows","13 (S001–S013)"],["P06 atomic claims","50 (C001–C050)"],["Legal-force crosswalk rows","11"],["Old-to-new disposition rows","6"],["Distinct hypothetical money paths","6"],["Full ledger arithmetic examples","2"],["Additional prescribed-fee calculation examples","2 (two-payment and three-payment classifications)"],["Core G1 coverage","10"],["Core G2 coverage","16"],["Core G3 coverage","14"],["Core G4 coverage","8"],["Core G5 coverage","7"],["Total core coverage","55"],["Separate deferred-family rows","22"],["Territorial/provincial rows","9"],["Total coverage rows","86"]]}],"claims":[{"claim_id":"C_ZA-P06-C001","area_numbers":[97,98],"researcher_record":{"Claim":"C001","Exact proposition, actor, predicates and consequence":"NCA's inserted definition addresses payment distribution on behalf of a consumer who applied for debt review under an applicable rearrangement, agreement or order.","Source and pinpoint":"S001 inserted NCA §1, PDF P2/GG p4","Authority and evidence limit":"Act; exact transaction classification required."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C001","researcher_claim":"NCA's inserted definition addresses payment distribution on behalf of a consumer who applied for debt review under an applicable rearrangement, agreement or order.","original_pointer":"S001 inserted NCA §1, PDF P2/GG p4","original_authority_limit":"Act; exact transaction classification required.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"InsertedPDAdefinition compared, actualconsumer/debtreview/arrangement/distributionfacts held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001"]},{"claim_id":"C_ZA-P06-C002","area_numbers":[97,98],"researcher_record":{"Claim":"C002","Exact proposition, actor, predicates and consequence":"A person offering, performing or holding out as authorised for PDA services must hold NCR PDA registration.","Source and pinpoint":"S001 §44A(1)–(2)(a), PDF P5–6/GG pp10–12","Authority and evidence limit":"Act; no entity checked, and other payment laws can still apply."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C002","researcher_claim":"A person offering, performing or holding out as authorised for PDA services must hold NCR PDA registration.","original_pointer":"S001 §44A(1)–(2)(a), PDF P5–6/GG pp10–12","original_authority_limit":"Act; no entity checked, and other payment laws can still apply.","coordinator_status":"bounded_revision_UNSENT","result":"44A(1)-(2)compared; distinctqualifiedcreditproviderinterest controlgate must be made explicit.","related_findings":["C_ZA-P06-Q002"],"contextual_source_ids":["C_ZA-P06-S001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001"]},{"claim_id":"C_ZA-P06-C003","area_numbers":[97,98],"researcher_record":{"Claim":"C003","Exact proposition, actor, predicates and consequence":"A consumer is not obliged to use a PDA.","Source and pinpoint":"S001 §44A(2)(b), PDF P5/GG p10","Authority and evidence limit":"Act; does not excuse debt payments actually due."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C003","researcher_claim":"A consumer is not obliged to use a PDA.","original_pointer":"S001 §44A(2)(b), PDF P5/GG p10","original_authority_limit":"Act; does not excuse debt payments actually due.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Consumer noncompulsion44A(2)(b)compared, no debtpaymentexcuse.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001"]},{"claim_id":"C_ZA-P06-C004","area_numbers":[97,98],"researcher_record":{"Claim":"C004","Exact proposition, actor, predicates and consequence":"A debt counsellor must not collect and distribute consumer money. Debt-counsellor registration does not substitute for PDA registration.","Source and pinpoint":"S002 substituted regulation 11, PDF P11/GG p16; S001 §44A","Authority and evidence limit":"Final regulation and Act; exact actor/function relevant."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C004","researcher_claim":"A debt counsellor must not collect and distribute consumer money. Debt-counsellor registration does not substitute for PDA registration.","original_pointer":"S002 substituted regulation 11, PDF P11/GG p16; S001 §44A","original_authority_limit":"Final regulation and Act; exact actor/function relevant.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Finalsubstitutedreg11completebody compared; no broad alternativeactorapproval.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002","C_ZA-P06-S001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002","C_ZA-P06-S001"]},{"claim_id":"C_ZA-P06-C005","area_numbers":[97,98],"researcher_record":{"Claim":"C005","Exact proposition, actor, predicates and consequence":"PDA applicant must satisfy prescribed organisational, experience, competence, staffing/system and financial requirements; the final regulation names Form 46.","Source and pinpoint":"S002 reg10A(1)–(4), PDF P3–5/GG pp8–10","Authority and evidence limit":"Binding category rules; present individual conditions/approval unsearched."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C005","researcher_claim":"PDA applicant must satisfy prescribed organisational, experience, competence, staffing/system and financial requirements; the final regulation names Form 46.","original_pointer":"S002 reg10A(1)–(4), PDF P3–5/GG pp8–10","original_authority_limit":"Binding category rules; present individual conditions/approval unsearched.","coordinator_status":"bounded_revision_UNSENT","result":"10A(1)-(4)criteria compared; creditproviderinterest gate separate and queued, actualresources/conditions held.","related_findings":["C_ZA-P06-Q002"],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C006","area_numbers":[97,98],"researcher_record":{"Claim":"C006","Exact proposition, actor, predicates and consequence":"NCR guide states a natural person may not register as PDA and identifies qualifying corporate/cooperative forms.","Source and pinpoint":"S004 PDF P0/guide p1; S002 reg10A(3)","Authority and evidence limit":"Regulator guidance and regulation; no actual corporation authorized."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C006","researcher_claim":"NCR guide states a natural person may not register as PDA and identifies qualifying corporate/cooperative forms.","original_pointer":"S004 PDF P0/guide p1; S002 reg10A(3)","original_authority_limit":"Regulator guidance and regulation; no actual corporation authorized.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Guide and10Acorporateform/executivedirector/representation criteria compared; no realcompanyauthorised.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S004","C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S004","C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C007","area_numbers":[97,98],"researcher_record":{"Claim":"C007","Exact proposition, actor, predicates and consequence":"Training/representation and independence conditions apply to PDA operations and workers, not a transferable individual debt-counsellor credential.","Source and pinpoint":"S002 reg10A(3),(7),(8), P3–6/GG pp8–11","Authority and evidence limit":"Regulation; actual staffing/conditions not checked."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C007","researcher_claim":"Training/representation and independence conditions apply to PDA operations and workers, not a transferable individual debt-counsellor credential.","original_pointer":"S002 reg10A(3),(7),(8), P3–6/GG pp8–11","original_authority_limit":"Regulation; actual staffing/conditions not checked.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Training/representation/owncounsellingindependence compared at actualtransitionclass; not transferablecredential.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C008","area_numbers":[97,98],"researcher_record":{"Claim":"C008","Exact proposition, actor, predicates and consequence":"Act19/2014 commenced under Proclamation R10/2015; R202 regulations say effective on 13 Mar 2015 publication.","Source and pinpoint":"S003 P0/GG p3; S002 P0/GG p5","Authority and evidence limit":"Actual historical commencement; not final 2026 supersession proof and not 2019 intervention."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C008","researcher_claim":"Act19/2014 commenced under Proclamation R10/2015; R202 regulations say effective on 13 Mar 2015 publication.","original_pointer":"S003 P0/GG p3; S002 P0/GG p5","original_authority_limit":"Actual historical commencement; not final 2026 supersession proof and not 2019 intervention.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"R10/2015andfinalR202publication body compared as historical2014Actcommencement; not2019intervention.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S003","C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S003","C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C009","area_numbers":[97,98],"researcher_record":{"Claim":"C009","Exact proposition, actor, predicates and consequence":"PDA must deposit consumer receipts into a trust account at a registered bank and distribute to creditors and debt counsellors.","Source and pinpoint":"S002 reg10A(9)(f), P7/GG p12","Authority and evidence limit":"Regulation; account title/signer/fund entitlement fact-specific."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C009","researcher_claim":"PDA must deposit consumer receipts into a trust account at a registered bank and distribute to creditors and debt counsellors.","original_pointer":"S002 reg10A(9)(f), P7/GG p12","original_authority_limit":"Regulation; account title/signer/fund entitlement fact-specific.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"10A(9)(f)registeredbanktrust/distribution text compared, accounttitle/signer/entitlement held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C010","area_numbers":[97,98],"researcher_record":{"Claim":"C010","Exact proposition, actor, predicates and consequence":"PDA and NCR interest-account arrangements are addressed separately from ordinary repayment trust funds.","Source and pinpoint":"S002 reg10A(9)(h), P8/GG p13","Authority and evidence limit":"Regulation with textual drafting irregularities; cannot assume every beneficial interest."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C010","researcher_claim":"PDA and NCR interest-account arrangements are addressed separately from ordinary repayment trust funds.","original_pointer":"S002 reg10A(9)(h), P8/GG p13","original_authority_limit":"Regulation with textual drafting irregularities; cannot assume every beneficial interest.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Literal10A(9)(h)separateinterest/NCRarchitecture compared; crossrefsnot silentlyrepaired, fullpolicy held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C011","area_numbers":[97,98],"researcher_record":{"Claim":"C011","Exact proposition, actor, predicates and consequence":"PDA must give monthly statement showing dates, amounts, paid creditors, undistributed funds, balances with disclaimer, PDA fees and counsellor payments.","Source and pinpoint":"S002 reg10A(9)(c), P7/GG p12","Authority and evidence limit":"Regulation; electronic/reporting conditions may add detail."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C011","researcher_claim":"PDA must give monthly statement showing dates, amounts, paid creditors, undistributed funds, balances with disclaimer, PDA fees and counsellor payments.","original_pointer":"S002 reg10A(9)(c), P7/GG p12","original_authority_limit":"Regulation; electronic/reporting conditions may add detail.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"10A(9)(c)monthly fields and outstandingbalance disclaimer compared; actualstatement held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C012","area_numbers":[97,98],"researcher_record":{"Claim":"C012","Exact proposition, actor, predicates and consequence":"PDA distributes money received within five days of receipt; failure requires submitting reasons to NCR.","Source and pinpoint":"S002 reg10A(9)(g), P7/GG p12","Authority and evidence limit":"Regulation; not stated as business days, no automatic extension."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C012","researcher_claim":"PDA distributes money received within five days of receipt; failure requires submitting reasons to NCR.","original_pointer":"S002 reg10A(9)(g), P7/GG p12","original_authority_limit":"Regulation; not stated as business days, no automatic extension.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Five unqualifieddaysfromreceipt/reasonstoNCRcompared, no waiver or exactcalendar.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C013","area_numbers":[97,98],"researcher_record":{"Claim":"C013","Exact proposition, actor, predicates and consequence":"Consumer chooses among listed methods for monthly statement delivery, including email, SMS, MMS, fax or writing.","Source and pinpoint":"S002 reg10A(9)(d), P7/GG p12","Authority and evidence limit":"Regulation; exact dispatch/receipt proof not determined."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C013","researcher_claim":"Consumer chooses among listed methods for monthly statement delivery, including email, SMS, MMS, fax or writing.","original_pointer":"S002 reg10A(9)(d), P7/GG p12","original_authority_limit":"Regulation; exact dispatch/receipt proof not determined.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Listedchoiceofcommunicationmedia compared, actualdispatch/receipt held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C014","area_numbers":[97,98],"researcher_record":{"Claim":"C014","Exact proposition, actor, predicates and consequence":"Registered PDA maintains fidelity insurance, trust accounts and NCR-requested accounts for financial audit.","Source and pinpoint":"S001 §44A(4), P6/GG p12","Authority and evidence limit":"Act; no actual policy, bank contract or audit report inspected."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C014","researcher_claim":"Registered PDA maintains fidelity insurance, trust accounts and NCR-requested accounts for financial audit.","original_pointer":"S001 §44A(4), P6/GG p12","original_authority_limit":"Act; no actual policy, bank contract or audit report inspected.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"44A(4)fidelity/trust/NCR-requestedfinancialauditaccounts compared, actualpolicy/accounts held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001"]},{"claim_id":"C_ZA-P06-C015","area_numbers":[97,98],"researcher_record":{"Claim":"C015","Exact proposition, actor, predicates and consequence":"NCA §2(5) specifically addresses business days. It cannot alone justify relabelling reg10A's five unqualified days as “five business days.”","Source and pinpoint":"S005 §2(5), PDF P13; S002 reg10A(9)(g)","Authority and evidence limit":"Textual interpretation; exact time-computation convention remains held."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C015","researcher_claim":"NCA §2(5) specifically addresses business days. It cannot alone justify relabelling reg10A's five unqualified days as “five business days.”","original_pointer":"S005 §2(5), PDF P13; S002 reg10A(9)(g)","original_authority_limit":"Textual interpretation; exact time-computation convention remains held.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"DatedNCA2(5)business-dayrule compared; does not relabelreg9(g), broadercomputation/currentchain held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S005","C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S005","C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C016","area_numbers":[97,98],"researcher_record":{"Claim":"C016","Exact proposition, actor, predicates and consequence":"Trust-account requirement does not itself establish actual account title, bank customer, beneficial ownership, signatories or mandate authority for a specific account.","Source and pinpoint":"S002 reg10A(9)(f),(h); S001 §44A(4)","Authority and evidence limit":"Evidence-limit/contractual fact inference; actual bank documents absent."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C016","researcher_claim":"Trust-account requirement does not itself establish actual account title, bank customer, beneficial ownership, signatories or mandate authority for a specific account.","original_pointer":"S002 reg10A(9)(f),(h); S001 §44A(4)","original_authority_limit":"Evidence-limit/contractual fact inference; actual bank documents absent.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Checkedaccountrequirement does not establishactualtitle/ownership/mandate/signatories; privatebankterms absent.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002","C_ZA-P06-S001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002","C_ZA-P06-S001"]},{"claim_id":"C_ZA-P06-C017","area_numbers":[97,98],"researcher_record":{"Claim":"C017","Exact proposition, actor, predicates and consequence":"Reg10A(5) specifies R5m minimum PDA investment/operating capital with stated bank-guaranteed-cheque application evidence.","Source and pinpoint":"S002 reg10A(5), P5/GG p10","Authority and evidence limit":"Regulation; not client trust-account minimum or consumer cost."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C017","researcher_claim":"Reg10A(5) specifies R5m minimum PDA investment/operating capital with stated bank-guaranteed-cheque application evidence.","original_pointer":"S002 reg10A(5), P5/GG p10","original_authority_limit":"Regulation; not client trust-account minimum or consumer cost.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"10A(5)R5mcapital/bankguaranteedchequeapplication evidence compared, notconsumerfee/trustbalance.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C018","area_numbers":[97,98],"researcher_record":{"Claim":"C018","Exact proposition, actor, predicates and consequence":"Reg10A(6) specifies compensatory fidelity/insurance cover referenced to aggregate collected-for-distribution funds.","Source and pinpoint":"S002 reg10A(6), P5–6/GG pp10–11","Authority and evidence limit":"Regulation; value ≠ premium; actual policies/exposure unavailable."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C018","researcher_claim":"Reg10A(6) specifies compensatory fidelity/insurance cover referenced to aggregate collected-for-distribution funds.","original_pointer":"S002 reg10A(6), P5–6/GG pp10–11","original_authority_limit":"Regulation; value ≠ premium; actual policies/exposure unavailable.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"10A(6)insurancecompensatoryaggregate comparison andguidance checked, notpremium/actualpolicyapproval.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C019","area_numbers":[97,98],"researcher_record":{"Claim":"C019","Exact proposition, actor, predicates and consequence":"When applicant also conducts counselling, it must show operational independence and no distribution for its own counselling clients.","Source and pinpoint":"S002 reg10A(7), P6/GG p11","Authority and evidence limit":"Regulation; corporate-group facts unknown."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C019","researcher_claim":"When applicant also conducts counselling, it must show operational independence and no distribution for its own counselling clients.","original_pointer":"S002 reg10A(7), P6/GG p11","original_authority_limit":"Regulation; corporate-group facts unknown.","coordinator_status":"bounded_revision_UNSENT","result":"10A(7)owncounsellingindependence/noownclientdistribution compared; separate44A(5)gate mustbe explicit.","related_findings":["C_ZA-P06-Q002"],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C020","area_numbers":[97,98],"researcher_record":{"Claim":"C020","Exact proposition, actor, predicates and consequence":"Interest on consumer receipts is addressed via separate trust account and NCR interest-account requirements.","Source and pinpoint":"S002 reg10A(9)(h), P8/GG p13","Authority and evidence limit":"Regulation; text/cross-references require care."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C020","researcher_claim":"Interest on consumer receipts is addressed via separate trust account and NCR interest-account requirements.","original_pointer":"S002 reg10A(9)(h), P8/GG p13","original_authority_limit":"Regulation; text/cross-references require care.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Literalinterestarchitecture read; ownership/completepolicy/actualbankterms remainheld.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C021","area_numbers":[97,98],"researcher_record":{"Claim":"C021","Exact proposition, actor, predicates and consequence":"NCR official historical records describe Minister-approved interest utilisation for education and investigations.","Source and pinpoint":"S008 PDF P7/printed p8; S007 relevant financial/programme reporting","Authority and evidence limit":"Regulator account of policy, not full policy body or automatic allocation to a consumer."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C021","researcher_claim":"NCR official historical records describe Minister-approved interest utilisation for education and investigations.","original_pointer":"S008 PDF P7/printed p8; S007 relevant financial/programme reporting","original_authority_limit":"Regulator account of policy, not full policy body or automatic allocation to a consumer.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"HistoricalMinisterpolicy report/procurementdescriptionsS007/S008not freshly reopened or upgraded to fullpolicy.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S008","C_ZA-P06-S007"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S008","C_ZA-P06-S007"]},{"claim_id":"C_ZA-P06-C022","area_numbers":[97,98],"researcher_record":{"Claim":"C022","Exact proposition, actor, predicates and consequence":"NCR 2023/24 annual report describes supervisory reporting/audits and the NCR PDA-interest account.","Source and pinpoint":"S007 P51, P100–111","Authority and evidence limit":"Dated institution-specific evidence, not current independent approval of any PDA."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C022","researcher_claim":"NCR 2023/24 annual report describes supervisory reporting/audits and the NCR PDA-interest account.","original_pointer":"S007 P51, P100–111","original_authority_limit":"Dated institution-specific evidence, not current independent approval of any PDA.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"2023/24annualreport body unreopened/currentcomplianceunaccepted.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S007"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S007"]},{"claim_id":"C_ZA-P06-C023","area_numbers":[97,98],"researcher_record":{"Claim":"C023","Exact proposition, actor, predicates and consequence":"NCR 2024 audit tender calls for testing interest transfers and preventing undocumented bank-charge offsets.","Source and pinpoint":"S006 P9–12","Authority and evidence limit":"Procurement specification, not full interest-beneficial-ownership judgment."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C023","researcher_claim":"NCR 2024 audit tender calls for testing interest transfers and preventing undocumented bank-charge offsets.","original_pointer":"S006 P9–12","original_authority_limit":"Procurement specification, not full interest-beneficial-ownership judgment.","coordinator_status":"bounded_revision_UNSENT","result":"C023unsupported undocumented qualifier requires boundedfix to actualTORno-offset/sweepingtest.","related_findings":["C_ZA-P06-Q001"],"contextual_source_ids":["C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C024","area_numbers":[97,98],"researcher_record":{"Claim":"C024","Exact proposition, actor, predicates and consequence":"PDA must implement electronic distribution functionality determined through conditions/guidelines.","Source and pinpoint":"S002 reg10A(9)(a), P6/GG p11","Authority and evidence limit":"Regulation plus dependent actual registration conditions unread."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C024","researcher_claim":"PDA must implement electronic distribution functionality determined through conditions/guidelines.","original_pointer":"S002 reg10A(9)(a), P6/GG p11","original_authority_limit":"Regulation plus dependent actual registration conditions unread.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"10A(9)(a)electronicallydeterminedfunctionality duty compared, actualconditions/SOPsheld.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C025","area_numbers":[97,98],"researcher_record":{"Claim":"C025","Exact proposition, actor, predicates and consequence":"PDA reporting to consumer, creditors, counsellor and NCR must comply with forms/methods in applicable conditions/guidelines.","Source and pinpoint":"S002 reg10A(9)(b),(e), P6–7/GG pp11–12","Authority and evidence limit":"Regulation; latest actual forms/conditions unresolved."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C025","researcher_claim":"PDA reporting to consumer, creditors, counsellor and NCR must comply with forms/methods in applicable conditions/guidelines.","original_pointer":"S002 reg10A(9)(b),(e), P6–7/GG pp11–12","original_authority_limit":"Regulation; latest actual forms/conditions unresolved.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"10A(9)(b)/(e)reportingdelegation compared, current forms/methods/conditions held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence 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daily.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"TORopening/closingbank/system,reconciliation,planmatchtests compared as proposedexternalauditwork.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C027","area_numbers":[97,98],"researcher_record":{"Claim":"C027","Exact proposition, actor, predicates and consequence":"Tender specifies auditor testing 100% of income/expenditure transactions in the audit period.","Source and pinpoint":"S006 PDF P11/printed p12","Authority and evidence limit":"Auditor assignment, not universal 100% daily PDA testing rule."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C027","researcher_claim":"Tender specifies auditor testing 100% of income/expenditure transactions in the audit period.","original_pointer":"S006 PDF P11/printed p12","original_authority_limit":"Auditor assignment, not universal 100% daily PDA testing rule.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"TOR100%periodincome/expenditureaudittool test compared; not universal daily independent audit.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C028","area_numbers":[97,98],"researcher_record":{"Claim":"C028","Exact proposition, actor, predicates and consequence":"TOR covers disputed/reversed debit orders, refunds, unidentified, returned, suspended and undistributed funds.","Source and pinpoint":"S006 PDF P11–12/printed pp12–13","Authority and evidence limit":"Official examination topics; particular refund/chargeback rights not decided."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C028","researcher_claim":"TOR covers disputed/reversed debit orders, refunds, unidentified, returned, suspended and undistributed funds.","original_pointer":"S006 PDF P11–12/printed pp12–13","original_authority_limit":"Official examination topics; particular refund/chargeback rights not decided.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"TORdisputeddebit/refunds/unidentified/returned/suspended/undistributed categories compared, exactdispositionrights held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C029","area_numbers":[97,98],"researcher_record":{"Claim":"C029","Exact proposition, actor, predicates and consequence":"TOR tests PDA deductions/fees, interest transfers and computer-system resilience.","Source and pinpoint":"S006 PDF P10–13","Authority and evidence limit":"Audit scope, not automatic debit authority or specified bank-signing controls."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C029","researcher_claim":"TOR tests PDA deductions/fees, interest transfers and computer-system resilience.","original_pointer":"S006 PDF P10–13","original_authority_limit":"Audit scope, not automatic debit authority or specified bank-signing controls.","coordinator_status":"bounded_revision_UNSENT","result":"TORfees/interest/backuptests compared as audit scope, not automaticdebit/signing authority.","related_findings":["C_ZA-P06-Q001"],"contextual_source_ids":["C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C030","area_numbers":[97,98],"researcher_record":{"Claim":"C030","Exact proposition, actor, predicates and consequence":"NCR guide requires mechanisms retaining payment records at least five years after payment event.","Source and pinpoint":"S004 PDF P0/guide p1","Authority and evidence limit":"Registration guidance; precise binding 2026 condition and applicable records act remain to be verified."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C030","researcher_claim":"NCR guide requires mechanisms retaining payment records at least five years after payment event.","original_pointer":"S004 PDF P0/guide p1","original_authority_limit":"Registration guidance; precise binding 2026 condition and applicable records act remain to be verified.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Guidepaymentrecordsatleastfiveyearsafterevent compared, bindingcurrentcondition/recordsActchainheld.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S004"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence 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formula.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Cashreconciliationversuscreditorfulfilment distinction andexistingexamples checked, not new statutoryformula.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002","C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002","C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C032","area_numbers":[97,98],"researcher_record":{"Claim":"C032","Exact proposition, actor, predicates and consequence":"Missing creditor payments or a bank shortfall require classification against evidence and applicable reporting; neither automatically produces refund, cancellation or damages.","Source and pinpoint":"S002 reg10A(9)(c),(g); S006 audit topics","Authority and evidence limit":"Evidence-limited inference; specific remedies reserved."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C032","researcher_claim":"Missing creditor payments or a bank shortfall require classification against evidence and applicable reporting; neither automatically produces refund, cancellation or damages.","original_pointer":"S002 reg10A(9)(c),(g); S006 audit topics","original_authority_limit":"Evidence-limited inference; specific remedies reserved.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Missingpayment/bankshortfall separated, noautomaticrefund/cancellation/damages accepted.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002","C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence 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Later amendments unresolved."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C033","researcher_claim":"2015 Schedule 2 prescribes specified PDA fees per actual creditor payment under covered rearrangement plan, plus extra requested statement fee.","original_pointer":"S002 Schedule 2, PDF P25/GG p30","original_authority_limit":"Ministerial regulation, distinct from debt-counsellor fee guidance. Later amendments unresolved.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Complete2015PDAfeeSchedulechecked actualservice/percreditagreement predicates, currentamendmentsheld.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C034","area_numbers":[97,98],"researcher_record":{"Claim":"C034","Exact proposition, actor, predicates and consequence":"2015 bands: R100–R200 → R5; R201–R500 → R10; >R500 → R15; requested additional monthly statement → R3.","Source and pinpoint":"S002 Schedule 2, P25/GG p30","Authority and evidence limit":"Service/category predicates apply; not an automatic monthly flat consumer charge."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C034","researcher_claim":"2015 bands: R100–R200 → R5; R201–R500 → R10; >R500 → R15; requested additional monthly statement → R3.","original_pointer":"S002 Schedule 2, P25/GG p30","original_authority_limit":"Service/category predicates apply; not an automatic monthly flat consumer charge.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"DatedR5/R10/R15/R3bands compared for only existingillustrativeinputs; notflatmonthlycharge.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C035","area_numbers":[97,98],"researcher_record":{"Claim":"C035","Exact proposition, actor, predicates and consequence":"Those 2015 Schedule 2 fee amounts include VAT; literal wording does not expressly classify below-R100 or fractional gaps.","Source and pinpoint":"S002 Schedule 2, P25/GG p30","Authority and evidence limit":"No guessed rounding or application to unlisted amounts."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C035","researcher_claim":"Those 2015 Schedule 2 fee amounts include VAT; literal wording does not expressly classify below-R100 or fractional gaps.","original_pointer":"S002 Schedule 2, P25/GG p30","original_authority_limit":"No guessed rounding or application to unlisted amounts.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"VATinclusionandliteralunlistedbelow100/fractionalgapsheld, no rounding rule invented.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C036","area_numbers":[97,98],"researcher_record":{"Claim":"C036","Exact proposition, actor, predicates and consequence":"Permission to recover an earned PDA service fee is not, by itself, proof that the PDA may debit that amount from a specified consumer's trust funds without validating recovery method/conditions.","Source and pinpoint":"S002 Schedule 2 and reg10A(9)(c),(f)","Authority and evidence limit":"Bounded legal/evidence inference; actual fee mandate, deduction rule and allocation missing."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C036","researcher_claim":"Permission to recover an earned PDA service fee is not, by itself, proof that the PDA may debit that amount from a specified consumer's trust funds without validating recovery method/conditions.","original_pointer":"S002 Schedule 2 and reg10A(9)(c),(f)","original_authority_limit":"Bounded legal/evidence inference; actual fee mandate, deduction rule and allocation missing.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Feeamountandrecoverability do not establisharbitrarydebitfromspecifictrustmoney; account/mandate/currentconditionsheld.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C037","area_numbers":[97,98],"researcher_record":{"Claim":"C037","Exact proposition, actor, predicates and consequence":"Separate National Payment System §7 third-party payment functions may require distinct authorisation; 2026 SARB transition reallocates NPS licensing functions from PASA.","Source and pinpoint":"S010 §7 PDF P9–10; S011 HTML transition section","Authority and evidence limit":"Independent regulatory screen. Current complete NPS directives/permissions not researched."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C037","researcher_claim":"Separate National Payment System §7 third-party payment functions may require distinct authorisation; 2026 SARB transition reallocates NPS licensing functions from PASA.","original_pointer":"S010 §7 PDF P9–10; S011 HTML transition section","original_authority_limit":"Independent regulatory screen. Current complete NPS directives/permissions not researched.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"SARBselectedtransitionannouncementcompared; S010NPSstatute/directives/currentpermissionsnot freshly completed.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S010","C_ZA-P06-S011"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S010","C_ZA-P06-S011"]},{"claim_id":"C_ZA-P06-C038","area_numbers":[97,98],"researcher_record":{"Claim":"C038","Exact proposition, actor, predicates and consequence":"Consumer can choose direct payment; NCR 2015 guidance treats direct payments as compatible with continuing debt review and requests monthly proof to counsellor.","Source and pinpoint":"S001 §44A(2)(b); S009 §5.2 PDF P4/printed p5","Authority and evidence limit":"Statutory non-compulsion plus older guideline; no blanket proof-of-payment statutory sanction established."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C038","researcher_claim":"Consumer can choose direct payment; NCR 2015 guidance treats direct payments as compatible with continuing debt review and requests monthly proof to counsellor.","original_pointer":"S001 §44A(2)(b); S009 §5.2 PDF P4/printed p5","original_authority_limit":"Statutory non-compulsion plus older guideline; no blanket proof-of-payment statutory sanction established.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"44Aconsumerchoicecompared; olderwithdrawalguidance5.2not freshlyread/revalidated, no statutoryproofsanction.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001","C_ZA-P06-S009"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001","C_ZA-P06-S009"]},{"claim_id":"C_ZA-P06-C039","area_numbers":[97,98],"researcher_record":{"Claim":"C039","Exact proposition, actor, predicates and consequence":"2009/2014 proposals are drafts, not final 2015 PDA duties, even where wording resembles the final regulation.","Source and pinpoint":"S012 P0/draft PDA provisions; S013 P0–3","Authority and evidence limit":"Official historical proposals; final is S002."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C039","researcher_claim":"2009/2014 proposals are drafts, not final 2015 PDA duties, even where wording resembles the final regulation.","original_pointer":"S012 P0/draft PDA provisions; S013 P0–3","original_authority_limit":"Official historical proposals; final is S002.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Draftidentities preserved butdraftbodiesunreopened; finalR202notice explicitly final, no draftusedaslaw.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S012","C_ZA-P06-S013"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S012","C_ZA-P06-S013"]},{"claim_id":"C_ZA-P06-C040","area_numbers":[97,98],"researcher_record":{"Claim":"C040","Exact proposition, actor, predicates and consequence":"No complete post-2015 supersession check for reg10A, five-day rule and Schedule 2 fees was completed through 26 Oct 2026 PDT.","Source and pinpoint":"S002, S004–S013 bounded reads/search","Authority and evidence limit":"Honest currentness hold; not proof unchanged or repealed."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C040","researcher_claim":"No complete post-2015 supersession check for reg10A, five-day rule and Schedule 2 fees was completed through 26 Oct 2026 PDT.","original_pointer":"S002, S004–S013 bounded reads/search","original_authority_limit":"Honest currentness hold; not proof unchanged or repealed.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Currentness limitation retained; freshhistoricalbodydoesnotprove unchangedorrepealed.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002","C_ZA-P06-S004","C_ZA-P06-S005","C_ZA-P06-S006","C_ZA-P06-S007","C_ZA-P06-S008","C_ZA-P06-S009","C_ZA-P06-S010","C_ZA-P06-S011","C_ZA-P06-S012","C_ZA-P06-S013"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002","C_ZA-P06-S004","C_ZA-P06-S005","C_ZA-P06-S006","C_ZA-P06-S007","C_ZA-P06-S008","C_ZA-P06-S009","C_ZA-P06-S010","C_ZA-P06-S011","C_ZA-P06-S012","C_ZA-P06-S013"]},{"claim_id":"C_ZA-P06-C041","area_numbers":[97,98],"researcher_record":{"Claim":"C041","Exact proposition, actor, predicates and consequence":"Five-day distribution is triggered by money received; bookkeeping allocation or payment instruction is not automatically proof of receipt/distribution.","Source and pinpoint":"S002 reg10A(9)(c),(g), P7/GG p12","Authority and evidence limit":"Transaction-evidence interpretation; exact calendar methodology/settlement finality unverified."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C041","researcher_claim":"Five-day distribution is triggered by money received; bookkeeping allocation or payment instruction is not automatically proof of receipt/distribution.","original_pointer":"S002 reg10A(9)(c),(g), P7/GG p12","original_authority_limit":"Transaction-evidence interpretation; exact calendar methodology/settlement finality unverified.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Receipt/distributiontriggercompared; bookallocation/instruction not bankexecution/finality, exactcalendarheld.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C042","area_numbers":[97,98],"researcher_record":{"Claim":"C042","Exact proposition, actor, predicates and consequence":"No automatic statutory refund, forfeiture, closure transfer, consumer interest allocation or shortfall-compensation formula was established by the PDA bodies read.","Source and pinpoint":"S001 §44A; S002 reg10A(9); S006 audit exception topics","Authority and evidence limit":"Negative bounded evidence statement only; other applicable law/conditions not ruled out."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C042","researcher_claim":"No automatic statutory refund, forfeiture, closure transfer, consumer interest allocation or shortfall-compensation formula was established by the PDA bodies read.","original_pointer":"S001 §44A; S002 reg10A(9); S006 audit exception topics","original_authority_limit":"Negative bounded evidence statement only; other applicable law/conditions not ruled out.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Boundedevidence-gapstatement only; unreadconditions/otherlaw maycontainrights, no absencefinding.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002","C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002","C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C043","area_numbers":[97,98],"researcher_record":{"Claim":"C043","Exact proposition, actor, predicates and consequence":"Original P01 C007/C051 stand; F04 gains narrow substantive PDA findings but remains partial.","Source and pinpoint":"S001–S006; supplied original P01 literal claims/F04 row","Authority and evidence limit":"Scoped continuation, no full provider/country acceptance or independent review."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C043","researcher_claim":"Original P01 C007/C051 stand; F04 gains narrow substantive PDA findings but remains partial.","original_pointer":"S001–S006; supplied original P01 literal claims/F04 row","original_authority_limit":"Scoped continuation, no full provider/country acceptance or independent review.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Allsixsuppliedfoundationrows matchcurrentP01originalrecords; C007/C051retained, F04stillpartial.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002","C_ZA-P06-S003","C_ZA-P06-S004","C_ZA-P06-S005","C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002","C_ZA-P06-S003","C_ZA-P06-S004","C_ZA-P06-S005","C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C044","area_numbers":[97,98],"researcher_record":{"Claim":"C044","Exact proposition, actor, predicates and consequence":"Evidence packet of registration, account, receipt, creditor, fee, audit and closure records is an analytical proposal built from the actual required reporting and audit fields.","Source and pinpoint":"S001 §44A; S002 reg10A(9); S006 audit TOR","Authority and evidence limit":"Not a legislatively prescribed combined form."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C044","researcher_claim":"Evidence packet of registration, account, receipt, creditor, fee, audit and closure records is an analytical proposal built from the actual required reporting and audit fields.","original_pointer":"S001 §44A; S002 reg10A(9); S006 audit TOR","original_authority_limit":"Not a legislatively prescribed combined form.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Documentpacket is analyticproposal linkedtoreporting/audittests, not officialcombinedform.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002","C_ZA-P06-S006"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002","C_ZA-P06-S006"]},{"claim_id":"C_ZA-P06-C045","area_numbers":[97,98],"researcher_record":{"Claim":"C045","Exact proposition, actor, predicates and consequence":"PDA noncompliance engages the NCA's applicable procedures and regulator authority; an alleged breach alone does not adjudicate a private damages award.","Source and pinpoint":"S002 PDF P24/GG p29; S005 §§52,55","Authority and evidence limit":"Statutory/procedural boundary; enforcement/remedies full analysis deferred."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C045","researcher_claim":"PDA noncompliance engages the NCA's applicable procedures and regulator authority; an alleged breach alone does not adjudicate a private damages award.","original_pointer":"S002 PDF P24/GG p29; S005 §§52,55","original_authority_limit":"Statutory/procedural boundary; enforcement/remedies full analysis deferred.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"R202noncomplianceboundary compared, NCA52/55fullprocedural/privateawardbodiesunreopened.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002","C_ZA-P06-S005"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002","C_ZA-P06-S005"]},{"claim_id":"C_ZA-P06-C046","area_numbers":[97,98],"researcher_record":{"Claim":"C046","Exact proposition, actor, predicates and consequence":"No P04/P05 ordinary debt-counsellor fee, refund or chargeback premise is accepted into P06.","Source and pinpoint":"Supplied P04/P05 provenance; independent S002 Schedule 2","Authority and evidence limit":"Research-scope decision; does not determine fees owed to counsellor."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C046","researcher_claim":"No P04/P05 ordinary debt-counsellor fee, refund or chargeback premise is accepted into P06.","original_pointer":"Supplied P04/P05 provenance; independent S002 Schedule 2","original_authority_limit":"Research-scope decision; does not determine fees owed to counsellor.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"No P04/P05ordinarycounsellorfeepremise adopted; datedPDAScheduleindependentlychecked.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C047","area_numbers":[97,98],"researcher_record":{"Claim":"C047","Exact proposition, actor, predicates and consequence":"Attorney trust, creditor collection, private adviser custody, court administration and liquidation have independent actor/permission questions not answered by PDA registration.","Source and pinpoint":"S001 §44A; S002 reg11; P01 boundaries preserved","Authority and evidence limit":"Separate legal bodies/mandates unreviewed in P06."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C047","researcher_claim":"Attorney trust, creditor collection, private adviser custody, court administration and liquidation have independent actor/permission questions not answered by PDA registration.","original_pointer":"S001 §44A; S002 reg11; P01 boundaries preserved","original_authority_limit":"Separate legal bodies/mandates unreviewed in P06.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Attorney/collector/privateadviser/courtofficer/legalcategoriesremainseparate/unread, no actual mandate.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S001","C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C048","area_numbers":[97,98],"researcher_record":{"Claim":"C048","Exact proposition, actor, predicates and consequence":"Hypothetical R6,000 receipt − R6,000 creditor distributions = R0, and R100 + R6,000 − R5,400 = R700 are exact bookkeeping results; 2015 fees for two payments >R500 equal R30 if due.","Source and pinpoint":"S002 reg10A(9), Schedule 2; calculation assumptions in G4","Authority and evidence limit":"Arithmetic and classifications conditional; not proof of legal transfer/fees or current schedule."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C048","researcher_claim":"Hypothetical R6,000 receipt − R6,000 creditor distributions = R0, and R100 + R6,000 − R5,400 = R700 are exact bookkeeping results; 2015 fees for two payments >R500 equal R30 if due.","original_pointer":"S002 reg10A(9), Schedule 2; calculation assumptions in G4","original_authority_limit":"Arithmetic and classifications conditional; not proof of legal transfer/fees or current schedule.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Existingarithmetic/datedfee classifications match, actualfunds/legaldebits/currentfeeproof held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C049","area_numbers":[97,98],"researcher_record":{"Claim":"C049","Exact proposition, actor, predicates and consequence":"NCR's 2024 proposed audit tests are not self-executing binding registration conditions merely because they appear in an official tender.","Source and pinpoint":"S006 P7–13; S002 reg10A(9)(a),(e)","Authority and evidence limit":"Requires actual relevant registration conditions and current final legal provisions."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C049","researcher_claim":"NCR's 2024 proposed audit tests are not self-executing binding registration conditions merely because they appear in an official tender.","original_pointer":"S006 P7–13; S002 reg10A(9)(a),(e)","original_authority_limit":"Requires actual relevant registration conditions and current final legal provisions.","coordinator_status":"bounded_revision_UNSENT","result":"TORscope versus actualbindingregistrationconditions distinction supported, no falseindependentreviewlabel.","related_findings":["C_ZA-P06-Q001"],"contextual_source_ids":["C_ZA-P06-S006","C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S006","C_ZA-P06-S002"]},{"claim_id":"C_ZA-P06-C050","area_numbers":[97,98],"researcher_record":{"Claim":"C050","Exact proposition, actor, predicates and consequence":"The 2015 Gazette has inconsistent internal cross-references/numbering in statement and interest provisions. Their wording must not be silently normalised into a new substantive right.","Source and pinpoint":"S002 reg10A(9)(c),(d),(h), PDF P7–8/GG pp12–13","Authority and evidence limit":"Source-text issue; any official correction/amendment not fully traced."},"raw_table_index":7,"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_review":{"claim_id":"C_ZA-P06-C050","researcher_claim":"The 2015 Gazette has inconsistent internal cross-references/numbering in statement and interest provisions. Their wording must not be silently normalised into a new substantive right.","original_pointer":"S002 reg10A(9)(c),(d),(h), PDF P7–8/GG pp12–13","original_authority_limit":"Source-text issue; any official correction/amendment not fully traced.","coordinator_status":"checked_at_stated_scope_remaining_currentness_source_application_holds","result":"Literalstatement/interestcrossrefs/numberingirregularities preserved; officialcorrection/currentamendment chain held.","related_findings":[],"contextual_source_ids":["C_ZA-P06-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":["C_ZA-P06-S002"]}],"sources":[{"source_id":"C_ZA-S001","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf"],"researcher_record":{"ID":"S001","Issuer, title and complete literal direct HTTPS URL":"Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389, 19 May 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","Pinpoints and actual read bounds":"Inserted PDA definition, PDF P2/GG p4; inserted NCA §44A(1)–(6), PDF P5–6/GG pp10–12; material surrounding registration provisions also read.","Status, legal authority and limitations":"Fresh enacted primary body. Relevant commencement established separately by S003. No complete 2026 consolidation; actual actor/registration facts not examined. \nSouth African Government"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S001","stored_source_id":"C_ZA-S001","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf"],"result":"Selected original2014definition and full inserted44A(1)-(6)compared; qualifiedcreditproviderinterest gate queued. Currentamendment/application/otherActs held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S001"},{"source_id":"C_ZA-S002","urls":["https://www.gov.za/sites/default/files/gcis_document/201503/38557rg10382gon202.pdf"],"researcher_record":{"ID":"S002","Issuer, title and complete literal direct HTTPS URL":"Minister of Trade and Industry, National Credit Regulations including Affordability Assessment Regulations, GG38557, GoN R202, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557rg10382gon202.pdf","Pinpoints and actual read bounds":"Enactment/effect notice PDF P0/GG p5; reg10A(1)–(3), P3–4/GG pp8–9; 10A(4)–(8), P5–6/GG pp10–11; 10A(9)(a)–(h), P6–8/GG pp11–13; reg11 substitution, P11/GG p16; regulatory noncompliance clause, P24/GG p29; Schedule 2 PDA distribution fees, P25/GG p30; Form46 name, P31/GG p36.","Status, legal authority and limitations":"Fresh final gazetted body; relevant page images inspected, including P7 and P25. Notice states effect on publication. Later amendment/supersession chain not comprehensively certified through 2026. Fee-service and NCR-registration fee schedules are separate. Internal cross-reference errors preserved, not repaired."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S002","stored_source_id":"C_ZA-S002","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://www.gov.za/sites/default/files/gcis_document/201503/38557rg10382gon202.pdf"],"result":"Selected2015finalnotice/full10A/substituted11/noncompliance/PDAfeeSchedule compared; internaltextirregularities and latercurrentness/account/deduction held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S002"},{"source_id":"C_ZA-S003","urls":["https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"],"researcher_record":{"ID":"S003","Issuer, title and complete literal direct HTTPS URL":"President, Commencement of National Credit Amendment Act 19 of 2014, Proclamation R10 of 2015, GG38557, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Pinpoints and actual read bounds":"Entire operative proclamation, PDF P0/GG p3, referring expressly to Act19/2014 §39 and commencement upon publication.","Status, legal authority and limitations":"Fresh primary body, official page inspected. Establishes March 2015 commencement of the 2014 amendment, not the 2019 debt-intervention scheme. No later amendment-chain certification implied. \nSouth African Government"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S003","stored_source_id":"C_ZA-S003","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"],"result":"Entire2015R10proclamation parsedbody compared; historicalcommencement not2019scheme or currentamendment proof.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S003"},{"source_id":"C_ZA-S004","urls":["https://www.ncr.org.za/documents/pages/PDA/Requirements%20for%20registration%20as%20a%20payment%20distribution%20agent.pdf"],"researcher_record":{"ID":"S004","Issuer, title and complete literal direct HTTPS URL":"National Credit Regulator, Criteria for Registration as a Payment Distribution Agent. https://www.ncr.org.za/documents/pages/PDA/Requirements%20for%20registration%20as%20a%20payment%20distribution%20agent.pdf","Pinpoints and actual read bounds":"PDF P0/guide p1: entity/employee requirements and record retention for five years; P1/guide p2: capital, insurance, independence and application requirements, including an older PASA-registration instruction.","Status, legal authority and limitations":"Fresh regulator guide body, undated administrative document. Neither every condition of an actual registration nor a final 2026 updated guide. PASA instruction needs reconciliation with S011. \nNCR"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S004","stored_source_id":"C_ZA-S004","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://www.ncr.org.za/documents/pages/PDA/Requirements%20for%20registration%20as%20a%20payment%20distribution%20agent.pdf"],"result":"Entiretwo-pageundatedguide read; fiveyearcriterion is administrativeguidance; actualconditions/updatedPASAandpricechain held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S004"},{"source_id":"C_ZA-S005","urls":["https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"],"researcher_record":{"ID":"S005","Issuer, title and complete literal direct HTTPS URL":"dtic, National Credit Act 34 of 2005, dated consolidation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","Pinpoints and actual read bounds":"§2(5), PDF P13; §44A and registration framework, P31–32; §50 and §52, approximately P35–36; §55 compliance powers, approximately P37–38. Original Gazette printed-page mapping not verified for consolidation.","Status, legal authority and limitations":"Fresh relevant sections read, but compilation dated to a 2019 Gazette later replaced as established in P02. Used cautiously for section structure, especially the distinction between “business days” and unqualified “days.” Not a complete certified 2026 NCA text. \nTrade and Industry Dept."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S005","stored_source_id":"C_ZA-S005","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"],"result":"Onlydatedcompilation2(5)businessdaybody compared; not full2026consolidation/52/55procedure verification.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S005"},{"source_id":"C_ZA-S006","urls":["https://ncr.org.za/index.php/component/phocadownload/category/354-ncr931-09-2024-appointment-of-a-service-provider-to-conduct-annual-audits-for-the-registered-pdas-for-period-of-three-3-years-and-two-2-months?download=2113%3Aterms-of-reference"],"researcher_record":{"ID":"S006","Issuer, title and complete literal direct HTTPS URL":"NCR, Terms of Reference: Appointment of a Service Provider to Conduct Annual Audits of Registered PDAs, NCR931.09.2024, September 2024. https://ncr.org.za/index.php/component/phocadownload/category/354-ncr931-09-2024-appointment-of-a-service-provider-to-conduct-annual-audits-for-the-registered-pdas-for-period-of-three-3-years-and-two-2-months?download=2113%3Aterms-of-reference","Pinpoints and actual read bounds":"Cover PDF P0; audit specifications PDF P7–13/document printed pp8–14; receipt/expenditure 100% tests, P11/printed p12; ledger/exception/refund tests P9–12/printed pp10–13.","Status, legal authority and limitations":"Fresh official procurement/audit body, page images inspected. Specifies desired independent-auditor testing, not a general statutory daily-reconciliation rule, private consumer award or proof that every PDA was audited successfully. \nNCR"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S006","stored_source_id":"C_ZA-S006","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://ncr.org.za/index.php/component/phocadownload/category/354-ncr931-09-2024-appointment-of-a-service-provider-to-conduct-annual-audits-for-the-registered-pdas-for-period-of-three-3-years-and-two-2-months?download=2113%3Aterms-of-reference"],"result":"Selectedcompleteproposedauditworktable read; no actualauditresult/currentcondition/privateaward or universal daily frequency. C023qualifier fixUNSENT.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S006"},{"source_id":"C_ZA-S007","urls":["https://ncr.org.za/documents/pages/Annual%20Reports/NCR%20Annual%20Report%202024_mh_v26a.pdf"],"researcher_record":{"ID":"S007","Issuer, title and complete literal direct HTTPS URL":"NCR, Annual Report 2023/24. https://ncr.org.za/documents/pages/Annual%20Reports/NCR%20Annual%20Report%202024_mh_v26a.pdf","Pinpoints and actual read bounds":"PDA audit/interest supervision, PDF P50–52, especially P51/document printed p50; interest and unidentified-funds accounting, PDF P100–111, especially financial statements around printed pp99–110.","Status, legal authority and limitations":"Fresh official historical annual report covering the reporting period ending March 2024, not a 2026 compliance certificate or substitute for the full Minister-approved interest policy. \nNCR\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S007","stored_source_id":"C_ZA-S007","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Originalreportedsourcebounds read in wholeanswer; body not freshlyreopened, currentness/fullpolicy/conditions/application/pixels held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S007"},{"source_id":"C_ZA-S008","urls":["https://ncr.org.za/index.php/component/phocadownload/category/251-ncr749-03-2021-appointment-of-a-service-provider-to-conduct-an-impact-assessment-of-the-educational-and-investigation-activities?download=1375%3Ancr7491"],"researcher_record":{"ID":"S008","Issuer, title and complete literal direct HTTPS URL":"NCR, Terms of Reference for an Impact Assessment of Educational and Investigation Activities, 2021 procurement material. https://ncr.org.za/index.php/component/phocadownload/category/251-ncr749-03-2021-appointment-of-a-service-provider-to-conduct-an-impact-assessment-of-the-educational-and-investigation-activities?download=1375%3Ancr7491","Pinpoints and actual read bounds":"Historical interest-policy description PDF P7/document printed p8; states the Minister-approved policy effective 15 October 2015.","Status, legal authority and limitations":"Fresh regulator-issued historical procurement body. Describes policy history, but the complete original approved policy and its amendments were not opened. Not sufficient alone for individual entitlement to interest. \nNCR"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S008","stored_source_id":"C_ZA-S008","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Originalreportedsourcebounds read in wholeanswer; body not freshlyreopened, currentness/fullpolicy/conditions/application/pixels held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S008"},{"source_id":"C_ZA-S009","urls":["https://www.ncr.org.za/documents/pages/circulars/feb2015/Withdrawal%20from%20debt%20review%20guidelines.pdf"],"researcher_record":{"ID":"S009","Issuer, title and complete literal direct HTTPS URL":"NCR, Guidelines for the Withdrawal from Debt Review, Guideline 002/2015, February 2015. https://www.ncr.org.za/documents/pages/circulars/feb2015/Withdrawal%20from%20debt%20review%20guidelines.pdf","Pinpoints and actual read bounds":"§5.2, PDF P4/printed guideline p5: direct creditor payment election, timely repayment and monthly evidence to counsellor. Adjacent §5.1 distinction read; page image inspected.","Status, legal authority and limitations":"Fresh NCR guidance, not a new parliamentary Act or binding 2026 payment-distribution condition. Only the direct-payment boundary used. Full withdrawal/fees/remedies scope remains excluded."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S009","stored_source_id":"C_ZA-S009","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Originalreportedsourcebounds read in wholeanswer; body not freshlyreopened, currentness/fullpolicy/conditions/application/pixels held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S009"},{"source_id":"C_ZA-S010","urls":["https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight/NPS%20Act.pdf"],"researcher_record":{"ID":"S010","Issuer, title and complete literal direct HTTPS URL":"Parliament/South African Reserve Bank, National Payment System Act 78 of 1998, SARB-hosted amended compilation. https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight/NPS%20Act.pdf","Pinpoints and actual read bounds":"Definitions §1, PDF P1–3; §7 payments to third persons, PDF P9–10; §12 directives, P14. Original printed Act/Gazette pages were not separately established.","Status, legal authority and limitations":"Fresh relevant provisions read. Compilation incorporates amendments only through the listed 2008 instruments; not a complete 2026 NPS legal/current-permission determination. \nSouth African Reserve Bank"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S010","stored_source_id":"C_ZA-S010","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Originalreportedsourcebounds read in wholeanswer; body not freshlyreopened, currentness/fullpolicy/conditions/application/pixels held.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S010"},{"source_id":"C_ZA-S011","urls":["https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb"],"researcher_record":{"ID":"S011","Issuer, title and complete literal direct HTTPS URL":"South African Reserve Bank, PSMB Transition official announcement. https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb","Pinpoints and actual read bounds":"HTML body, transition paragraphs including 11 August 2026 and 2 September 2026 changes; PDF index/printed Gazette page not applicable.","Status, legal authority and limitations":"Fresh official operational announcement. Transfer of NPS payment-institution licensing/authorisation/registration functions to SARB; not itself a registration for an individual PDA or a repeal of §44A. \nSouth African Reserve Bank"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S011","stored_source_id":"C_ZA-S011","coordinator_status":"selected_public_primary_or_official_document_compared_with_limits","fresh_URLs_read":["https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb"],"result":"Selectedofficialtransitionbody compared, distinctfunctiondates/continuingauthorisations/frameworkbranches preserved; no fullNPSoractualpermission.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S011"},{"source_id":"C_ZA-S012","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf"],"researcher_record":{"ID":"S012","Issuer, title and complete literal direct HTTPS URL":"Minister, Draft National Credit Regulations, GG37882, GoN R597, 1 August 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf","Pinpoints and actual read bounds":"Draft notice PDF P0/GG p3 and proposed PDA provisions around P4–9/GG pp7–12; draft form number differs from final 2015 regulation.","Status, legal authority and limitations":"Fresh historical draft body read for version discrimination; not an operative PDA permission, deadline or current condition. The enacted comparison is S002. \nSouth African Government"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S012","stored_source_id":"C_ZA-S012","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Originalhistoricaldraft retained as draft, unreopened; not operativeauthority.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S012"},{"source_id":"C_ZA-S013","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/32229503.pdf"],"researcher_record":{"ID":"S013","Issuer, title and complete literal direct HTTPS URL":"Minister, Draft Debt Counselling Regulations, General Notice 503, GG32229, 15 May 2009. https://www.gov.za/sites/default/files/gcis_document/201409/32229503.pdf","Pinpoints and actual read bounds":"Notice expressly for public comments, PDF P0/GG p3; proposed debt-counselling rules P1–3/GG pp4–6.","Status, legal authority and limitations":"Fresh historical draft body read. Not used to establish 2015/2026 trust account, distribution, refund or reconciliation duties. \nSouth African Government"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P06-S013","stored_source_id":"C_ZA-S013","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"result":"Originalhistoricaldraft retained as draft, unreopened; not operativeauthority.","original_record_unchanged":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P06-S013"}],"coverage":[{"topic":"G1-01 PDA definition/activity","researcher_record":{"Row":"G1-01","Question":"PDA definition/activity","Status":"answered","Substantive finding and claims":"Definition links debt-review consumer repayment distribution to the relevant arrangement/order. C001","Missing evidence / exact next action":"Specific mandate/debt documents absent."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":0,"coverage_id":"G1-01","topic":"G1-01 PDA definition/activity","original_status":"answered","original_record":{"Row":"G1-01","Question":"PDA definition/activity","Status":"answered","Substantive finding and claims":"Definition links debt-review consumer repayment distribution to the relevant arrangement/order. C001","Missing evidence / exact next action":"Specific mandate/debt documents absent."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C001"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C001"]},{"topic":"G1-02 NCR PDA registration and consumer choice","researcher_record":{"Row":"G1-02","Question":"NCR PDA registration and consumer choice","Status":"answered","Substantive finding and claims":"Category registration required; consumer use optional. C002–C003","Missing evidence / exact next action":"No named status search; future category verification if authorised."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":1,"coverage_id":"G1-02","topic":"G1-02 NCR PDA registration and consumer choice","original_status":"answered","original_record":{"Row":"G1-02","Question":"NCR PDA registration and consumer choice","Status":"answered","Substantive finding and claims":"Category registration required; consumer use optional. C002–C003","Missing evidence / exact next action":"No named status search; future category verification if authorised."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_ZA-P06-Q002"],"contextual_claim_ids":["C_ZA-P06-C002","C_ZA-P06-C003"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C002","C_ZA-P06-C003"]},{"topic":"G1-03 Counsellor versus PDA/other actors","researcher_record":{"Row":"G1-03","Question":"Counsellor versus PDA/other actors","Status":"answered narrowly","Substantive finding and claims":"Reg11 restriction and separate §44A. C004, C047","Missing evidence / exact next action":"Other actors' own permissions deferred."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":2,"coverage_id":"G1-03","topic":"G1-03 Counsellor versus PDA/other actors","original_status":"answered narrowly","original_record":{"Row":"G1-03","Question":"Counsellor versus PDA/other actors","Status":"answered narrowly","Substantive finding and claims":"Reg11 restriction and separate §44A. C004, C047","Missing evidence / exact next action":"Other actors' own permissions deferred."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C004","C_ZA-P06-C047"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C004","C_ZA-P06-C047"]},{"topic":"G1-04 Entity/person/employee capacity","researcher_record":{"Row":"G1-04","Question":"Entity/person/employee capacity","Status":"partial","Substantive finding and claims":"Prescribed corporate/resources and guide; separate representation. C005–C007","Missing evidence / exact next action":"Actual current conditions/roles missing."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":3,"coverage_id":"G1-04","topic":"G1-04 Entity/person/employee capacity","original_status":"partial","original_record":{"Row":"G1-04","Question":"Entity/person/employee capacity","Status":"partial","Substantive finding and claims":"Prescribed corporate/resources and guide; separate representation. C005–C007","Missing evidence / exact next action":"Actual current conditions/roles missing."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_ZA-P06-Q002"],"contextual_claim_ids":["C_ZA-P06-C005","C_ZA-P06-C006","C_ZA-P06-C007"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C005","C_ZA-P06-C006","C_ZA-P06-C007"]},{"topic":"G1-05 2014/2015 commencement","researcher_record":{"Row":"G1-05","Question":"2014/2015 commencement","Status":"answered","Substantive finding and claims":"R10/2015 and final R202 publication. C008","Missing evidence / exact next action":"Complete later amendment chain separate."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":4,"coverage_id":"G1-05","topic":"G1-05 2014/2015 commencement","original_status":"answered","original_record":{"Row":"G1-05","Question":"2014/2015 commencement","Status":"answered","Substantive finding and claims":"R10/2015 and final R202 publication. C008","Missing evidence / exact next action":"Complete later amendment chain separate."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C008"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C008"]},{"topic":"G1-06 Current 2026 consolidation","researcher_record":{"Row":"G1-06","Question":"Current 2026 consolidation","Status":"unresolved","Substantive finding and claims":"Historical primary rules identified; all later changes not excluded. C040","Missing evidence / exact next action":"Obtain authoritative full amendment/commencement register and final affected instruments."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":5,"coverage_id":"G1-06","topic":"G1-06 Current 2026 consolidation","original_status":"unresolved","original_record":{"Row":"G1-06","Question":"Current 2026 consolidation","Status":"unresolved","Substantive finding and claims":"Historical primary rules identified; all later changes not excluded. C040","Missing evidence / exact next action":"Obtain authoritative full amendment/commencement register and final affected instruments."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C040"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C040"]},{"topic":"G1-07 Drafts versus final","researcher_record":{"Row":"G1-07","Question":"Drafts versus final","Status":"answered","Substantive finding and claims":"2009/2014 drafts are not the final 2015 rule. C039","Missing evidence / exact next action":"None for that document-identity distinction."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":6,"coverage_id":"G1-07","topic":"G1-07 Drafts versus final","original_status":"answered","original_record":{"Row":"G1-07","Question":"Drafts versus final","Status":"answered","Substantive finding and claims":"2009/2014 drafts are not the final 2015 rule. C039","Missing evidence / exact next action":"None for that document-identity distinction."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C039"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C039"]},{"topic":"G1-08 NPS/SARB separate gateway","researcher_record":{"Row":"G1-08","Question":"NPS/SARB separate gateway","Status":"partial","Substantive finding and claims":"NPS §7; SARB 2026 institutional transfer. C037","Missing evidence / exact next action":"Read all applicable current directives/permissions for an actual funds-flow design."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":7,"coverage_id":"G1-08","topic":"G1-08 NPS/SARB separate gateway","original_status":"partial","original_record":{"Row":"G1-08","Question":"NPS/SARB separate gateway","Status":"partial","Substantive finding and claims":"NPS §7; SARB 2026 institutional transfer. C037","Missing evidence / exact next action":"Read all applicable current directives/permissions for an actual funds-flow design."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C037"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C037"]},{"topic":"G1-09 PDA fees as distinct regulatory category","researcher_record":{"Row":"G1-09","Question":"PDA fees as distinct regulatory category","Status":"partial","Substantive finding and claims":"2015 gazetted bands, VAT included. C033–C035","Missing evidence / exact next action":"Post-2015 amendments and exact transaction facts."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":8,"coverage_id":"G1-09","topic":"G1-09 PDA fees as distinct regulatory category","original_status":"partial","original_record":{"Row":"G1-09","Question":"PDA fees as distinct regulatory category","Status":"partial","Substantive finding and claims":"2015 gazetted bands, VAT included. C033–C035","Missing evidence / exact next action":"Post-2015 amendments and exact transaction facts."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C033","C_ZA-P06-C034","C_ZA-P06-C035"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C033","C_ZA-P06-C034","C_ZA-P06-C035"]},{"topic":"G1-10 Registration conditions/guidelines","researcher_record":{"Row":"G1-10","Question":"Registration conditions/guidelines","Status":"partial","Substantive finding and claims":"Reg10A repeatedly delegates system/reporting detail to conditions/guidelines. C024–C025, C049","Missing evidence / exact next action":"Obtain complete currently effective PDA registration-condition instruments and amendments."},"raw_table_index":9,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":9,"coverage_id":"G1-10","topic":"G1-10 Registration conditions/guidelines","original_status":"partial","original_record":{"Row":"G1-10","Question":"Registration conditions/guidelines","Status":"partial","Substantive finding and claims":"Reg10A repeatedly delegates system/reporting detail to conditions/guidelines. C024–C025, C049","Missing evidence / exact next action":"Obtain complete currently effective PDA registration-condition instruments and amendments."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C024","C_ZA-P06-C025","C_ZA-P06-C049"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C024","C_ZA-P06-C025","C_ZA-P06-C049"]},{"topic":"G2-01 Payer and distribution beneficiary","researcher_record":{"Row":"G2-01","Question":"Payer and distribution beneficiary","Status":"answered narrowly","Substantive finding and claims":"Money received from consumer for payments to relevant creditors/counsellors. C001, C009","Missing evidence / exact next action":"Actual lawful allocation documents needed."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":10,"coverage_id":"G2-01","topic":"G2-01 Payer and distribution beneficiary","original_status":"answered narrowly","original_record":{"Row":"G2-01","Question":"Payer and distribution beneficiary","Status":"answered narrowly","Substantive finding and claims":"Money received from consumer for payments to relevant creditors/counsellors. C001, C009","Missing evidence / exact next action":"Actual lawful allocation documents needed."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C001","C_ZA-P06-C009"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C001","C_ZA-P06-C009"]},{"topic":"G2-02 Registered-bank trust account","researcher_record":{"Row":"G2-02","Question":"Registered-bank trust account","Status":"answered","Substantive finding and claims":"Reg10A(9)(f) bank trust requirement. C009","Missing evidence / exact next action":"Actual account certificate unavailable."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":11,"coverage_id":"G2-02","topic":"G2-02 Registered-bank trust account","original_status":"answered","original_record":{"Row":"G2-02","Question":"Registered-bank trust account","Status":"answered","Substantive finding and claims":"Reg10A(9)(f) bank trust requirement. C009","Missing evidence / exact next action":"Actual account certificate unavailable."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C009"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C009"]},{"topic":"G2-03 Exact legal account title/holder","researcher_record":{"Row":"G2-03","Question":"Exact legal account title/holder","Status":"unresolved","Substantive finding and claims":"No precise account name inferred. C016","Missing evidence / exact next action":"Obtain prescribed account-title condition and actual bank evidence if later authorised."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":12,"coverage_id":"G2-03","topic":"G2-03 Exact legal account title/holder","original_status":"unresolved","original_record":{"Row":"G2-03","Question":"Exact legal account title/holder","Status":"unresolved","Substantive finding and claims":"No precise account name inferred. C016","Missing evidence / exact next action":"Obtain prescribed account-title condition and actual bank evidence if later authorised."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C016"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C016"]},{"topic":"G2-04 Legal/beneficial ownership","researcher_record":{"Row":"G2-04","Question":"Legal/beneficial ownership","Status":"unresolved","Substantive finding and claims":"Trust label alone insufficient. C016, C020","Missing evidence / exact next action":"Read operative trust/banking/insolvency and actual account terms in dedicated pass."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":13,"coverage_id":"G2-04","topic":"G2-04 Legal/beneficial ownership","original_status":"unresolved","original_record":{"Row":"G2-04","Question":"Legal/beneficial ownership","Status":"unresolved","Substantive finding and claims":"Trust label alone insufficient. C016, C020","Missing evidence / exact next action":"Read operative trust/banking/insolvency and actual account terms in dedicated pass."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C016","C_ZA-P06-C020"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C016","C_ZA-P06-C020"]},{"topic":"G2-05 Signing/approval/initiator permissions","researcher_record":{"Row":"G2-05","Question":"Signing/approval/initiator permissions","Status":"unresolved","Substantive finding and claims":"Reg requires systems, but specific signing matrix not established. C016, C024","Missing evidence / exact next action":"Read current registration condition and payment-provider mandate."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":14,"coverage_id":"G2-05","topic":"G2-05 Signing/approval/initiator permissions","original_status":"unresolved","original_record":{"Row":"G2-05","Question":"Signing/approval/initiator permissions","Status":"unresolved","Substantive finding and claims":"Reg requires systems, but specific signing matrix not established. C016, C024","Missing evidence / exact next action":"Read current registration condition and payment-provider mandate."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C016","C_ZA-P06-C024"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C016","C_ZA-P06-C024"]},{"topic":"G2-06 Distribution interval","researcher_record":{"Row":"G2-06","Question":"Distribution interval","Status":"answered at gazetted baseline","Substantive finding and claims":"Within five days of receipt; reasons to NCR if failed. C012, C041","Missing evidence / exact next action":"Transaction receipt/execution evidence for actual event."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":15,"coverage_id":"G2-06","topic":"G2-06 Distribution interval","original_status":"answered at gazetted baseline","original_record":{"Row":"G2-06","Question":"Distribution interval","Status":"answered at gazetted baseline","Substantive finding and claims":"Within five days of receipt; reasons to NCR if failed. C012, C041","Missing evidence / exact next action":"Transaction receipt/execution evidence for actual event."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C012","C_ZA-P06-C041"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C012","C_ZA-P06-C041"]},{"topic":"G2-07 Nonbusiness days/calendar computation","researcher_record":{"Row":"G2-07","Question":"Nonbusiness days/calendar computation","Status":"partial","Substantive finding and claims":"Text says five days, not five business days. C015, C041","Missing evidence / exact next action":"Verify full operative time-computation rule, holidays and banking settlement facts before stating exact calendar cutoff."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":16,"coverage_id":"G2-07","topic":"G2-07 Nonbusiness days/calendar computation","original_status":"partial","original_record":{"Row":"G2-07","Question":"Nonbusiness days/calendar computation","Status":"partial","Substantive finding and claims":"Text says five days, not five business days. C015, C041","Missing evidence / exact next action":"Verify full operative time-computation rule, holidays and banking settlement facts before stating exact calendar cutoff."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C015","C_ZA-P06-C041"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C015","C_ZA-P06-C041"]},{"topic":"G2-08 Distribution to each creditor","researcher_record":{"Row":"G2-08","Question":"Distribution to each creditor","Status":"partial","Substantive finding and claims":"Statement must show actual creditor payments; audit tests plan matching. C011, C026","Missing evidence / exact next action":"Current individual plan and bank acknowledgements."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":17,"coverage_id":"G2-08","topic":"G2-08 Distribution to each creditor","original_status":"partial","original_record":{"Row":"G2-08","Question":"Distribution to each creditor","Status":"partial","Substantive finding and claims":"Statement must show actual creditor payments; audit tests plan matching. C011, C026","Missing evidence / exact next action":"Current individual plan and bank acknowledgements."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C011","C_ZA-P06-C026"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C011","C_ZA-P06-C026"]},{"topic":"G2-09 Chargeable PDA fee categories","researcher_record":{"Row":"G2-09","Question":"Chargeable PDA fee categories","Status":"partial","Substantive finding and claims":"Regulated 2015 Schedule 2 per-payment bands. C033–C035","Missing evidence / exact next action":"Current version and actual service/band predicates."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":18,"coverage_id":"G2-09","topic":"G2-09 Chargeable PDA fee categories","original_status":"partial","original_record":{"Row":"G2-09","Question":"Chargeable PDA fee categories","Status":"partial","Substantive finding and claims":"Regulated 2015 Schedule 2 per-payment bands. C033–C035","Missing evidence / exact next action":"Current version and actual service/band predicates."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C033","C_ZA-P06-C034","C_ZA-P06-C035"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C033","C_ZA-P06-C034","C_ZA-P06-C035"]},{"topic":"G2-10 Deducting fees from client trust money","researcher_record":{"Row":"G2-10","Question":"Deducting fees from client trust money","Status":"unresolved","Substantive finding and claims":"Fee recovery does not alone establish deduction source/stage. C036","Missing evidence / exact next action":"Find current account/deduction rules, mandate and applicable conditions."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":19,"coverage_id":"G2-10","topic":"G2-10 Deducting fees from client trust money","original_status":"unresolved","original_record":{"Row":"G2-10","Question":"Deducting fees from client trust money","Status":"unresolved","Substantive finding and claims":"Fee recovery does not alone establish deduction source/stage. C036","Missing evidence / exact next action":"Find current account/deduction rules, mandate and applicable conditions."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C036"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C036"]},{"topic":"G2-11 R5m regulatory capital","researcher_record":{"Row":"G2-11","Question":"R5m regulatory capital","Status":"answered at gazetted baseline","Substantive finding and claims":"Separate investment/operating capital. C017","Missing evidence / exact next action":"No claim about a given PDA's financial resources."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":20,"coverage_id":"G2-11","topic":"G2-11 R5m regulatory capital","original_status":"answered at gazetted baseline","original_record":{"Row":"G2-11","Question":"R5m regulatory capital","Status":"answered at gazetted baseline","Substantive finding and claims":"Separate investment/operating capital. C017","Missing evidence / exact next action":"No claim about a given PDA's financial resources."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C017"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C017"]},{"topic":"G2-12 Compensatory fidelity/insurance","researcher_record":{"Row":"G2-12","Question":"Compensatory fidelity/insurance","Status":"partial","Substantive finding and claims":"Linked to aggregate consumer funds distributed. C014, C018","Missing evidence / exact next action":"Current policy coverage/exclusions, exposure measure and conditions."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":21,"coverage_id":"G2-12","topic":"G2-12 Compensatory fidelity/insurance","original_status":"partial","original_record":{"Row":"G2-12","Question":"Compensatory fidelity/insurance","Status":"partial","Substantive finding and claims":"Linked to aggregate consumer funds distributed. C014, C018","Missing evidence / exact next action":"Current policy coverage/exclusions, exposure measure and conditions."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C014","C_ZA-P06-C018"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C014","C_ZA-P06-C018"]},{"topic":"G2-13 PDA/debt-counselling independence","researcher_record":{"Row":"G2-13","Question":"PDA/debt-counselling independence","Status":"answered at gazetted baseline","Substantive finding and claims":"Reg10A(7). C019","Missing evidence / exact next action":"Actual corporate-group and client relationships absent."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":22,"coverage_id":"G2-13","topic":"G2-13 PDA/debt-counselling independence","original_status":"answered at gazetted baseline","original_record":{"Row":"G2-13","Question":"PDA/debt-counselling independence","Status":"answered at gazetted baseline","Substantive finding and claims":"Reg10A(7). C019","Missing evidence / exact next action":"Actual corporate-group and client relationships absent."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_ZA-P06-Q002"],"contextual_claim_ids":["C_ZA-P06-C019"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C019"]},{"topic":"G2-14 Interest account and beneficiary","researcher_record":{"Row":"G2-14","Question":"Interest account and beneficiary","Status":"partial","Substantive finding and claims":"Separate account and regulator policy architecture. C010, C020–C023","Missing evidence / exact next action":"Obtain full amended §10A(9)(h), approved policy, actual account terms and ownership analysis."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":23,"coverage_id":"G2-14","topic":"G2-14 Interest account and beneficiary","original_status":"partial","original_record":{"Row":"G2-14","Question":"Interest account and beneficiary","Status":"partial","Substantive finding and claims":"Separate account and regulator policy architecture. C010, C020–C023","Missing evidence / exact next action":"Obtain full amended §10A(9)(h), approved policy, actual account terms and ownership analysis."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_ZA-P06-Q001"],"contextual_claim_ids":["C_ZA-P06-C010","C_ZA-P06-C020","C_ZA-P06-C021","C_ZA-P06-C022","C_ZA-P06-C023"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C010","C_ZA-P06-C020","C_ZA-P06-C021","C_ZA-P06-C022","C_ZA-P06-C023"]},{"topic":"G2-15 Failure, shortfall and returned transfer","researcher_record":{"Row":"G2-15","Question":"Failure, shortfall and returned transfer","Status":"partial","Substantive finding and claims":"Reg five-day duty, reporting and audit tests. C012, C028, C032","Missing evidence / exact next action":"Actual bank/creditor records; enforceable remedy and recovery rules deferred."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":24,"coverage_id":"G2-15","topic":"G2-15 Failure, shortfall and returned transfer","original_status":"partial","original_record":{"Row":"G2-15","Question":"Failure, shortfall and returned transfer","Status":"partial","Substantive finding and claims":"Reg five-day duty, reporting and audit tests. C012, C028, C032","Missing evidence / exact next action":"Actual bank/creditor records; enforceable remedy and recovery rules deferred."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C012","C_ZA-P06-C028","C_ZA-P06-C032"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C012","C_ZA-P06-C028","C_ZA-P06-C032"]},{"topic":"G2-16 Closure, transfer, insolvency/refund","researcher_record":{"Row":"G2-16","Question":"Closure, transfer, insolvency/refund","Status":"unresolved","Substantive finding and claims":"No universal disposition rule derived. C042, C047","Missing evidence / exact next action":"Locate current PDA exit conditions, banking mandate, statutory insolvency provisions and actor-specific rights."},"raw_table_index":10,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":25,"coverage_id":"G2-16","topic":"G2-16 Closure, transfer, insolvency/refund","original_status":"unresolved","original_record":{"Row":"G2-16","Question":"Closure, transfer, insolvency/refund","Status":"unresolved","Substantive finding and claims":"No universal disposition rule derived. C042, C047","Missing evidence / exact next action":"Locate current PDA exit conditions, banking mandate, statutory insolvency provisions and actor-specific rights."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C042","C_ZA-P06-C047"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C042","C_ZA-P06-C047"]},{"topic":"G3-01 Electronic distribution system","researcher_record":{"Row":"G3-01","Question":"Electronic distribution system","Status":"partial","Substantive finding and claims":"Mandatory system functionality tied to NCR requirements. C024","Missing evidence / exact next action":"Current system-conditions document."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":26,"coverage_id":"G3-01","topic":"G3-01 Electronic distribution system","original_status":"partial","original_record":{"Row":"G3-01","Question":"Electronic distribution system","Status":"partial","Substantive finding and claims":"Mandatory system functionality tied to NCR requirements. C024","Missing evidence / exact next action":"Current system-conditions document."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C024"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C024"]},{"topic":"G3-02 Reports to NCR/other participants","researcher_record":{"Row":"G3-02","Question":"Reports to NCR/other participants","Status":"partial","Substantive finding and claims":"Reporting obligation and delegated form requirements. C025","Missing evidence / exact next action":"Full operative reporting conditions and forms."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":27,"coverage_id":"G3-02","topic":"G3-02 Reports to NCR/other participants","original_status":"partial","original_record":{"Row":"G3-02","Question":"Reports to NCR/other participants","Status":"partial","Substantive finding and claims":"Reporting obligation and delegated form requirements. C025","Missing evidence / exact next action":"Full operative reporting conditions and forms."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C025"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C025"]},{"topic":"G3-03 Monthly statement data fields","researcher_record":{"Row":"G3-03","Question":"Monthly statement data fields","Status":"answered at gazetted baseline","Substantive finding and claims":"Receipts, creditors/amounts, undistributed, balances, fees and counsellor payments. C011","Missing evidence / exact next action":"Actual statement contents in any case unavailable."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":28,"coverage_id":"G3-03","topic":"G3-03 Monthly statement data fields","original_status":"answered at gazetted baseline","original_record":{"Row":"G3-03","Question":"Monthly statement data fields","Status":"answered at gazetted baseline","Substantive finding and claims":"Receipts, creditors/amounts, undistributed, balances, fees and counsellor payments. C011","Missing evidence / exact next action":"Actual statement contents in any case unavailable."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C011"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C011"]},{"topic":"G3-04 Statement delivery medium","researcher_record":{"Row":"G3-04","Question":"Statement delivery medium","Status":"answered at gazetted baseline","Substantive finding and claims":"Choice from listed media. C013","Missing evidence / exact next action":"Actual choice/dispatch proof absent."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":29,"coverage_id":"G3-04","topic":"G3-04 Statement delivery medium","original_status":"answered at gazetted baseline","original_record":{"Row":"G3-04","Question":"Statement delivery medium","Status":"answered at gazetted baseline","Substantive finding and claims":"Choice from listed media. C013","Missing evidence / exact next action":"Actual choice/dispatch proof absent."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C013"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C013"]},{"topic":"G3-05 Payment record retention","researcher_record":{"Row":"G3-05","Question":"Payment record retention","Status":"partial","Substantive finding and claims":"NCR guide states five years after payment event. C030","Missing evidence / exact next action":"Check binding registration condition and current amended records law."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":30,"coverage_id":"G3-05","topic":"G3-05 Payment record retention","original_status":"partial","original_record":{"Row":"G3-05","Question":"Payment record retention","Status":"partial","Substantive finding and claims":"NCR guide states five years after payment event. C030","Missing evidence / exact next action":"Check binding registration condition and current amended records law."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C030"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C030"]},{"topic":"G3-06 Bank-to-system reconciliation","researcher_record":{"Row":"G3-06","Question":"Bank-to-system reconciliation","Status":"partial","Substantive finding and claims":"NCR audit TOR tests records and bank balance matching. C026","Missing evidence / exact next action":"Exact current mandatory internal frequency/technical format not verified."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":31,"coverage_id":"G3-06","topic":"G3-06 Bank-to-system reconciliation","original_status":"partial","original_record":{"Row":"G3-06","Question":"Bank-to-system reconciliation","Status":"partial","Substantive finding and claims":"NCR audit TOR tests records and bank balance matching. C026","Missing evidence / exact next action":"Exact current mandatory internal frequency/technical format not verified."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C026"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C026"]},{"topic":"G3-07 Daily/monthly reconciliation frequency","researcher_record":{"Row":"G3-07","Question":"Daily/monthly reconciliation frequency","Status":"unresolved","Substantive finding and claims":"Monthly statement proved; daily internal reconciliation not proved. C025–C027, C049","Missing evidence / exact next action":"Current conditions and transaction-processing standards."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":32,"coverage_id":"G3-07","topic":"G3-07 Daily/monthly reconciliation frequency","original_status":"unresolved","original_record":{"Row":"G3-07","Question":"Daily/monthly reconciliation frequency","Status":"unresolved","Substantive finding and claims":"Monthly statement proved; daily internal reconciliation not proved. C025–C027, C049","Missing evidence / exact next action":"Current conditions and transaction-processing standards."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C025","C_ZA-P06-C026","C_ZA-P06-C027","C_ZA-P06-C049"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C025","C_ZA-P06-C026","C_ZA-P06-C027","C_ZA-P06-C049"]},{"topic":"G3-08 100% independent audit sampling","researcher_record":{"Row":"G3-08","Question":"100% independent audit sampling","Status":"answered as audit tender scope","Substantive finding and claims":"Specific auditor 100% transactions in period. C027, C049","Missing evidence / exact next action":"Do not generalise to universal daily PDA audits."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":33,"coverage_id":"G3-08","topic":"G3-08 100% independent audit sampling","original_status":"answered as audit tender scope","original_record":{"Row":"G3-08","Question":"100% independent audit sampling","Status":"answered as audit tender scope","Substantive finding and claims":"Specific auditor 100% transactions in period. C027, C049","Missing evidence / exact next action":"Do not generalise to universal daily PDA audits."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C027","C_ZA-P06-C049"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C027","C_ZA-P06-C049"]},{"topic":"G3-09 Bank balance versus creditor fulfilment","researcher_record":{"Row":"G3-09","Question":"Bank balance versus creditor fulfilment","Status":"answered as analytic distinction","Substantive finding and claims":"Can reconcile cash yet have undistributed payments. C031–C032","Missing evidence / exact next action":"Actual statements and creditor acknowledgements."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":34,"coverage_id":"G3-09","topic":"G3-09 Bank balance versus creditor fulfilment","original_status":"answered as analytic distinction","original_record":{"Row":"G3-09","Question":"Bank balance versus creditor fulfilment","Status":"answered as analytic distinction","Substantive finding and claims":"Can reconcile cash yet have undistributed payments. C031–C032","Missing evidence / exact next action":"Actual statements and creditor acknowledgements."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C031","C_ZA-P06-C032"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C031","C_ZA-P06-C032"]},{"topic":"G3-10 Debit-order reversals/refunds","researcher_record":{"Row":"G3-10","Question":"Debit-order reversals/refunds","Status":"partial","Substantive finding and claims":"Audit TOR expressly tests them. C028","Missing evidence / exact next action":"Current chargeback, error, reversal and consumer-refund rules."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":35,"coverage_id":"G3-10","topic":"G3-10 Debit-order reversals/refunds","original_status":"partial","original_record":{"Row":"G3-10","Question":"Debit-order reversals/refunds","Status":"partial","Substantive finding and claims":"Audit TOR expressly tests them. C028","Missing evidence / exact next action":"Current chargeback, error, reversal and consumer-refund rules."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C028"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C028"]},{"topic":"G3-11 Unidentified/returned/suspended funds","researcher_record":{"Row":"G3-11","Question":"Unidentified/returned/suspended funds","Status":"partial","Substantive finding and claims":"Audit categories identified. C028, C042","Missing evidence / exact next action":"Account-specific disposition/closure authority."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":36,"coverage_id":"G3-11","topic":"G3-11 Unidentified/returned/suspended funds","original_status":"partial","original_record":{"Row":"G3-11","Question":"Unidentified/returned/suspended funds","Status":"partial","Substantive finding and claims":"Audit categories identified. C028, C042","Missing evidence / exact next action":"Account-specific disposition/closure authority."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C028","C_ZA-P06-C042"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C028","C_ZA-P06-C042"]},{"topic":"G3-12 NCR reasons for delayed distribution","researcher_record":{"Row":"G3-12","Question":"NCR reasons for delayed distribution","Status":"answered at gazetted baseline","Substantive finding and claims":"Reg10A(9)(g). C012","Missing evidence / exact next action":"Exact submission form/method, receipt facts and any amended conditions."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":37,"coverage_id":"G3-12","topic":"G3-12 NCR reasons for delayed distribution","original_status":"answered at gazetted baseline","original_record":{"Row":"G3-12","Question":"NCR reasons for delayed distribution","Status":"answered at gazetted baseline","Substantive finding and claims":"Reg10A(9)(g). C012","Missing evidence / exact next action":"Exact submission form/method, receipt facts and any amended conditions."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C012"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C012"]},{"topic":"G3-13 Interest and fee audit reconciliation","researcher_record":{"Row":"G3-13","Question":"Interest and fee audit reconciliation","Status":"partial","Substantive finding and claims":"Audit TOR checks interest transfers and deductions. C023, C029","Missing evidence / exact next action":"Complete approved policy/current fee-deduction rule."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":38,"coverage_id":"G3-13","topic":"G3-13 Interest and fee audit reconciliation","original_status":"partial","original_record":{"Row":"G3-13","Question":"Interest and fee audit reconciliation","Status":"partial","Substantive finding and claims":"Audit TOR checks interest transfers and deductions. C023, C029","Missing evidence / exact next action":"Complete approved policy/current fee-deduction rule."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["C_ZA-P06-Q001"],"contextual_claim_ids":["C_ZA-P06-C023","C_ZA-P06-C029"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C023","C_ZA-P06-C029"]},{"topic":"G3-14 Compliance, breach and individual redress","researcher_record":{"Row":"G3-14","Question":"Compliance, breach and individual redress","Status":"partial","Substantive finding and claims":"NCA regulatory route distinct from private damages. C045","Missing evidence / exact next action":"Separate operative complaint, sanction, restitution and private-law analysis."},"raw_table_index":11,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":39,"coverage_id":"G3-14","topic":"G3-14 Compliance, breach and individual redress","original_status":"partial","original_record":{"Row":"G3-14","Question":"Compliance, breach and individual redress","Status":"partial","Substantive finding and claims":"NCA regulatory route distinct from private damages. C045","Missing evidence / exact next action":"Separate operative complaint, sanction, restitution and private-law analysis."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C045"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C045"]},{"topic":"G4-01 Direct-to-creditor path","researcher_record":{"Row":"G4-01","Scenario/check":"Direct-to-creditor path","Status":"answered as hypothetical","Finding and claims":"No PDA receipt; consumer choice. C003, C038","Missing evidence / next action":"Actual creditor receipts/arrangement."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":40,"coverage_id":"G4-01","topic":"G4-01 Direct-to-creditor path","original_status":"answered as hypothetical","original_record":{"Row":"G4-01","Scenario/check":"Direct-to-creditor path","Status":"answered as hypothetical","Finding and claims":"No PDA receipt; consumer choice. C003, C038","Missing evidence / next action":"Actual creditor receipts/arrangement."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C003","C_ZA-P06-C038"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C003","C_ZA-P06-C038"]},{"topic":"G4-02 Counsellor operating account","researcher_record":{"Row":"G4-02","Scenario/check":"Counsellor operating account","Status":"answered as adverse classification","Finding and claims":"Separate registration; reg11 restriction. C002, C004, C016","Missing evidence / next action":"Real account/actor facts not investigated."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":41,"coverage_id":"G4-02","topic":"G4-02 Counsellor operating account","original_status":"answered as adverse classification","original_record":{"Row":"G4-02","Scenario/check":"Counsellor operating account","Status":"answered as adverse classification","Finding and claims":"Separate registration; reg11 restriction. C002, C004, C016","Missing evidence / next action":"Real account/actor facts not investigated."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C002","C_ZA-P06-C004","C_ZA-P06-C016"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C002","C_ZA-P06-C004","C_ZA-P06-C016"]},{"topic":"G4-03 PDA full-distribution path","researcher_record":{"Row":"G4-03","Scenario/check":"PDA full-distribution path","Status":"answered as conditional arithmetic","Finding and claims":"R6,000 receipt less R6,000 distributions = R0. C048","Missing evidence / next action":"Proof of transfers and permissible fee recovery."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":42,"coverage_id":"G4-03","topic":"G4-03 PDA full-distribution path","original_status":"answered as conditional arithmetic","original_record":{"Row":"G4-03","Scenario/check":"PDA full-distribution path","Status":"answered as conditional arithmetic","Finding and claims":"R6,000 receipt less R6,000 distributions = R0. C048","Missing evidence / next action":"Proof of transfers and permissible fee recovery."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C048"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C048"]},{"topic":"G4-04 PDA partial failure","researcher_record":{"Row":"G4-04","Scenario/check":"PDA partial failure","Status":"answered as conditional arithmetic","Finding and claims":"R700 closing, R600 creditor under-distribution; optional R40 reconciliation variance. C026–C032, C048","Missing evidence / next action":"Actual bank/ledger/recipient proof."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":43,"coverage_id":"G4-04","topic":"G4-04 PDA partial failure","original_status":"answered as conditional arithmetic","original_record":{"Row":"G4-04","Scenario/check":"PDA partial failure","Status":"answered as conditional arithmetic","Finding and claims":"R700 closing, R600 creditor under-distribution; optional R40 reconciliation variance. C026–C032, C048","Missing evidence / next action":"Actual bank/ledger/recipient proof."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C026","C_ZA-P06-C027","C_ZA-P06-C028","C_ZA-P06-C029","C_ZA-P06-C030","C_ZA-P06-C031","C_ZA-P06-C032","C_ZA-P06-C048"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C026","C_ZA-P06-C027","C_ZA-P06-C028","C_ZA-P06-C029","C_ZA-P06-C030","C_ZA-P06-C031","C_ZA-P06-C032","C_ZA-P06-C048"]},{"topic":"G4-05 Fee deduction before allocation","researcher_record":{"Row":"G4-05","Scenario/check":"Fee deduction before allocation","Status":"partial","Finding and claims":"R5/R10/R15 2015 fees for qualifying payments; no automatic trust deduction. C033–C036","Missing evidence / next action":"Current fee and deduction source, authorisation and actual service."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":44,"coverage_id":"G4-05","topic":"G4-05 Fee deduction before allocation","original_status":"partial","original_record":{"Row":"G4-05","Scenario/check":"Fee deduction before allocation","Status":"partial","Finding and claims":"R5/R10/R15 2015 fees for qualifying payments; no automatic trust deduction. C033–C036","Missing evidence / next action":"Current fee and deduction source, authorisation and actual service."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C033","C_ZA-P06-C034","C_ZA-P06-C035","C_ZA-P06-C036"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C033","C_ZA-P06-C034","C_ZA-P06-C035","C_ZA-P06-C036"]},{"topic":"G4-06 Closure/attorney trust/error path","researcher_record":{"Row":"G4-06","Scenario/check":"Closure/attorney trust/error path","Status":"unresolved legal disposition","Finding and claims":"No automatic transfer/refund/forfeiture. C016, C042, C047","Missing evidence / next action":"Current closure conditions and separate trust law."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":45,"coverage_id":"G4-06","topic":"G4-06 Closure/attorney trust/error path","original_status":"unresolved legal disposition","original_record":{"Row":"G4-06","Scenario/check":"Closure/attorney trust/error path","Status":"unresolved legal disposition","Finding and claims":"No automatic transfer/refund/forfeiture. C016, C042, C047","Missing evidence / next action":"Current closure conditions and separate trust law."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C016","C_ZA-P06-C042","C_ZA-P06-C047"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C016","C_ZA-P06-C042","C_ZA-P06-C047"]},{"topic":"G4-07 Complete distribution formula","researcher_record":{"Row":"G4-07","Scenario/check":"Complete distribution formula","Status":"answered as bookkeeping","Finding and claims":"Opening + receipts − actual payouts − actual authorised debits = closing. C048","Missing evidence / next action":"No real account certified."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":46,"coverage_id":"G4-07","topic":"G4-07 Complete distribution formula","original_status":"answered as bookkeeping","original_record":{"Row":"G4-07","Scenario/check":"Complete distribution formula","Status":"answered as bookkeeping","Finding and claims":"Opening + receipts − actual payouts − actual authorised debits = closing. C048","Missing evidence / next action":"No real account certified."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C048"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C048"]},{"topic":"G4-08 Timing and shortfall analysis","researcher_record":{"Row":"G4-08","Scenario/check":"Timing and shortfall analysis","Status":"partial","Finding and claims":"Five days from receipt; actual dates/business-day question held. C012, C015, C041","Missing evidence / next action":"Exact receipt/payment events and legal computation rule."},"raw_table_index":12,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":47,"coverage_id":"G4-08","topic":"G4-08 Timing and shortfall analysis","original_status":"partial","original_record":{"Row":"G4-08","Scenario/check":"Timing and shortfall analysis","Status":"partial","Finding and claims":"Five days from receipt; actual dates/business-day question held. C012, C015, C041","Missing evidence / next action":"Exact receipt/payment events and legal computation rule."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C012","C_ZA-P06-C015","C_ZA-P06-C041"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C012","C_ZA-P06-C015","C_ZA-P06-C041"]},{"topic":"G5-01 P01 C007","researcher_record":{"Row":"G5-01","Question":"P01 C007","Status":"answered for reconciliation","Finding and claims":"Original registration/direct payment position retained. C043","Missing evidence / next action":"No source supersession claim."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":48,"coverage_id":"G5-01","topic":"G5-01 P01 C007","original_status":"answered for reconciliation","original_record":{"Row":"G5-01","Question":"P01 C007","Status":"answered for reconciliation","Finding and claims":"Original registration/direct payment position retained. C043","Missing evidence / next action":"No source supersession claim."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C043"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C043"]},{"topic":"G5-02 P01 C051","researcher_record":{"Row":"G5-02","Question":"P01 C051","Status":"answered for reconciliation","Finding and claims":"Expanded with exact distribution, interest, fees and statement sections. C043, C050","Missing evidence / next action":"Current specific conditions remain open."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":49,"coverage_id":"G5-02","topic":"G5-02 P01 C051","original_status":"answered for reconciliation","original_record":{"Row":"G5-02","Question":"P01 C051","Status":"answered for reconciliation","Finding and claims":"Expanded with exact distribution, interest, fees and statement sections. C043, C050","Missing evidence / next action":"Current specific conditions remain open."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C043","C_ZA-P06-C050"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C043","C_ZA-P06-C050"]},{"topic":"G5-03 P01 F04 acceptance","researcher_record":{"Row":"G5-03","Question":"P01 F04 acceptance","Status":"partial","Finding and claims":"Material PDA duties studied; full F04 still not cleared. C042–C043","Missing evidence / next action":"Currentness, bank title, funds control, legal remedies and broader regimes."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":50,"coverage_id":"G5-03","topic":"G5-03 P01 F04 acceptance","original_status":"partial","original_record":{"Row":"G5-03","Question":"P01 F04 acceptance","Status":"partial","Finding and claims":"Material PDA duties studied; full F04 still not cleared. C042–C043","Missing evidence / next action":"Currentness, bank title, funds control, legal remedies and broader regimes."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C042","C_ZA-P06-C043"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C042","C_ZA-P06-C043"]},{"topic":"G5-04 P04/P05 fee independence","researcher_record":{"Row":"G5-04","Question":"P04/P05 fee independence","Status":"answered as scope","Finding and claims":"No adoption of counsellor fee conclusions. C046","Missing evidence / next action":"P05 coordinator review independent of this pass."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":51,"coverage_id":"G5-04","topic":"G5-04 P04/P05 fee independence","original_status":"answered as scope","original_record":{"Row":"G5-04","Question":"P04/P05 fee independence","Status":"answered as scope","Finding and claims":"No adoption of counsellor fee conclusions. C046","Missing evidence / next action":"P05 coordinator review independent of this pass."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C046"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C046"]},{"topic":"G5-05 Permissible publication/tool content","researcher_record":{"Row":"G5-05","Question":"Permissible publication/tool content","Status":"partial","Finding and claims":"Narrow statute-backed PDA explainer and evidence checklist possible. C044","Missing evidence / next action":"Source-currentness review before actual publication."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":52,"coverage_id":"G5-05","topic":"G5-05 Permissible publication/tool content","original_status":"partial","original_record":{"Row":"G5-05","Question":"Permissible publication/tool content","Status":"partial","Finding and claims":"Narrow statute-backed PDA explainer and evidence checklist possible. C044","Missing evidence / next action":"Source-currentness review before actual publication."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C044"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C044"]},{"topic":"G5-06 Geographic and national scope","researcher_record":{"Row":"G5-06","Question":"Geographic and national scope","Status":"unresolved nationally","Finding and claims":"No nine-province or full country examination. C043","Missing evidence / next action":"Territorial rows below."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":53,"coverage_id":"G5-06","topic":"G5-06 Geographic and national scope","original_status":"unresolved nationally","original_record":{"Row":"G5-06","Question":"Geographic and national scope","Status":"unresolved nationally","Finding and claims":"No nine-province or full country examination. C043","Missing evidence / next action":"Territorial rows below."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C043"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C043"]},{"topic":"G5-07 Independent qualified review","researcher_record":{"Row":"G5-07","Question":"Independent qualified review","Status":"excluded_with_reason","Finding and claims":"Researcher self-check only, no acceptance. C040, C043","Missing evidence / next action":"Coordinator separately reopens sources, reconciles registries and arithmetic."},"raw_table_index":13,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":54,"coverage_id":"G5-07","topic":"G5-07 Independent qualified review","original_status":"excluded_with_reason","original_record":{"Row":"G5-07","Question":"Independent qualified review","Status":"excluded_with_reason","Finding and claims":"Researcher self-check only, no acceptance. C040, C043","Missing evidence / next action":"Coordinator separately reopens sources, reconciles registries and arithmetic."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":["C_ZA-P06-C040","C_ZA-P06-C043"],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":["C_ZA-P06-C040","C_ZA-P06-C043"]},{"topic":"D01 Whole provider-perimeter and business structure","researcher_record":{"Row":"D01","Deferred topic":"Whole provider-perimeter and business structure","Exact remaining question":"What other provider status, legal professional capacity, adviser mandate or registration is required for all proposed services beyond PDA distribution?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":55,"coverage_id":"D01","topic":"D01 Whole provider-perimeter and business structure","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D01","Deferred topic":"Whole provider-perimeter and business structure","Exact remaining question":"What other provider status, legal professional capacity, adviser mandate or registration is required for all proposed services beyond PDA distribution?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D02 Private voluntary debt negotiator client money","researcher_record":{"Row":"D02","Deferred topic":"Private voluntary debt negotiator client money","Exact remaining question":"Does the exact non-§86 service trigger separately regulated payment, agency, banking or professional law?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":56,"coverage_id":"D02","topic":"D02 Private voluntary debt negotiator client money","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D02","Deferred topic":"Private voluntary debt negotiator client money","Exact remaining question":"Does the exact non-§86 service trigger separately regulated payment, agency, banking or professional law?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D03 Attorney professional trust accounts","researcher_record":{"Row":"D03","Deferred topic":"Attorney professional trust accounts","Exact remaining question":"Which Legal Practice Act, LPC rules, bank mandates and trust-account controls govern an actual attorney's receipt and custody?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":57,"coverage_id":"D03","topic":"D03 Attorney professional trust accounts","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D03","Deferred topic":"Attorney professional trust accounts","Exact remaining question":"Which Legal Practice Act, LPC rules, bank mandates and trust-account controls govern an actual attorney's receipt and custody?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D04 Creditor, collector, purchaser and servicer money","researcher_record":{"Row":"D04","Deferred topic":"Creditor, collector, purchaser and servicer money","Exact remaining question":"What collector/creditor agency and allocation rules apply to receipts controlled by that actor?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":58,"coverage_id":"D04","topic":"D04 Creditor, collector, purchaser and servicer money","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D04","Deferred topic":"Creditor, collector, purchaser and servicer money","Exact remaining question":"What collector/creditor agency and allocation rules apply to receipts controlled by that actor?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D05 Court-appointed administrator, trustee and liquidation office","researcher_record":{"Row":"D05","Deferred topic":"Court-appointed administrator, trustee and liquidation office","Exact remaining question":"Which court/Master appointment and funds-accounting regime actually applies?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":59,"coverage_id":"D05","topic":"D05 Court-appointed administrator, trustee and liquidation office","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D05","Deferred topic":"Court-appointed administrator, trustee and liquidation office","Exact remaining question":"Which court/Master appointment and funds-accounting regime actually applies?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D06 FSCA, regulated financial products and sector permissions","researcher_record":{"Row":"D06","Deferred topic":"FSCA, regulated financial products and sector permissions","Exact remaining question":"Does an actual service also constitute a defined financial service requiring separate approval?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":60,"coverage_id":"D06","topic":"D06 FSCA, regulated financial products and sector permissions","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D06","Deferred topic":"FSCA, regulated financial products and sector permissions","Exact remaining question":"Does an actual service also constitute a defined financial service requiring separate approval?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D07 Complete National Payment System/SARB/PayInc authorisation","researcher_record":{"Row":"D07","Deferred topic":"Complete National Payment System/SARB/PayInc authorisation","Exact remaining question":"Which currently amended Act, directive, designated third-party category, system-membership condition and payment-system arrangement governs the exact flow?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":61,"coverage_id":"D07","topic":"D07 Complete National Payment System/SARB/PayInc authorisation","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D07","Deferred topic":"Complete National Payment System/SARB/PayInc authorisation","Exact remaining question":"Which currently amended Act, directive, designated third-party category, system-membership condition and payment-system arrangement governs the exact flow?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D08 Financial Intelligence Centre, AML/CFT, identity verification","researcher_record":{"Row":"D08","Deferred topic":"Financial Intelligence Centre, AML/CFT, identity verification","Exact remaining question":"What FIC Act duties apply to the actual entity and activities? No assumed exemption or account procedure."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":62,"coverage_id":"D08","topic":"D08 Financial Intelligence Centre, AML/CFT, identity verification","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D08","Deferred topic":"Financial Intelligence Centre, AML/CFT, identity verification","Exact remaining question":"What FIC Act duties apply to the actual entity and activities? No assumed exemption or account procedure."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D09 Ordinary debt-counsellor consumer fee earning, refunds and caps","researcher_record":{"Row":"D09","Deferred topic":"Ordinary debt-counsellor consumer fee earning, refunds and caps","Exact remaining question":"P04/P05 remain unaccepted; evaluate the distinct debt-counsellor fee provisions separately."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":63,"coverage_id":"D09","topic":"D09 Ordinary debt-counsellor consumer fee earning, refunds and caps","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D09","Deferred topic":"Ordinary debt-counsellor consumer fee earning, refunds and caps","Exact remaining question":"P04/P05 remain unaccepted; evaluate the distinct debt-counsellor fee provisions separately."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D10 Consumer service contracts, disclosures, mandates, CPA and distance contracts","researcher_record":{"Row":"D10","Deferred topic":"Consumer service contracts, disclosures, mandates, CPA and distance contracts","Exact remaining question":"Which governing agreement and statutory consumer-protection provisions determine authorisation of deductions and service changes?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":64,"coverage_id":"D10","topic":"D10 Consumer service contracts, disclosures, mandates, CPA and distance contracts","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D10","Deferred topic":"Consumer service contracts, disclosures, mandates, CPA and distance contracts","Exact remaining question":"Which governing agreement and statutory consumer-protection provisions determine authorisation of deductions and service changes?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D11 Private remedies, complaint redress, restitution, chargebacks and damages","researcher_record":{"Row":"D11","Deferred topic":"Private remedies, complaint redress, restitution, chargebacks and damages","Exact remaining question":"What elements, regulator process, standing and available award follow an actual breach?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":65,"coverage_id":"D11","topic":"D11 Private remedies, complaint redress, restitution, chargebacks and damages","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D11","Deferred topic":"Private remedies, complaint redress, restitution, chargebacks and damages","Exact remaining question":"What elements, regulator process, standing and available award follow an actual breach?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D12 Debt collection and validation/disputes","researcher_record":{"Row":"D12","Deferred topic":"Debt collection and validation/disputes","Exact remaining question":"What statutory notices, underlying-debt proof and credit-provider obligations apply?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":66,"coverage_id":"D12","topic":"D12 Debt collection and validation/disputes","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D12","Deferred topic":"Debt collection and validation/disputes","Exact remaining question":"What statutory notices, underlying-debt proof and credit-provider obligations apply?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D13 Credit reporting and debt-review clearance","researcher_record":{"Row":"D13","Deferred topic":"Credit reporting and debt-review clearance","Exact remaining question":"How do actual payments affect credit bureau records, Form19 and debt-review status?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":67,"coverage_id":"D13","topic":"D13 Credit reporting and debt-review clearance","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D13","Deferred topic":"Credit reporting and debt-review clearance","Exact remaining question":"How do actual payments affect credit bureau records, Form19 and debt-review status?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D14 Prescription/limitation and revival","researcher_record":{"Row":"D14","Deferred topic":"Prescription/limitation and revival","Exact remaining question":"What does a particular payment, acknowledgment, default, order or judgment do to limitation periods?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":68,"coverage_id":"D14","topic":"D14 Prescription/limitation and revival","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D14","Deferred topic":"Prescription/limitation and revival","Exact remaining question":"What does a particular payment, acknowledgment, default, order or judgment do to limitation periods?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D15 Tax/VAT beyond the express 2015 fee-table inclusion","researcher_record":{"Row":"D15","Deferred topic":"Tax/VAT beyond the express 2015 fee-table inclusion","Exact remaining question":"Which VAT supplier, accounting period, input/output tax, current rate and invoicing rules apply to a real PDA transaction?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":69,"coverage_id":"D15","topic":"D15 Tax/VAT beyond the express 2015 fee-table inclusion","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D15","Deferred topic":"Tax/VAT beyond the express 2015 fee-table inclusion","Exact remaining question":"Which VAT supplier, accounting period, input/output tax, current rate and invoicing rules apply to a real PDA transaction?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D16 Courts, enforcement, mortgages, security, repossession and exemptions","researcher_record":{"Row":"D16","Deferred topic":"Courts, enforcement, mortgages, security, repossession and exemptions","Exact remaining question":"What creditor enforcement/security consequences arise from an uncredited payment or shortfall?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":70,"coverage_id":"D16","topic":"D16 Courts, enforcement, mortgages, security, repossession and exemptions","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D16","Deferred topic":"Courts, enforcement, mortgages, security, repossession and exemptions","Exact remaining question":"What creditor enforcement/security consequences arise from an uncredited payment or shortfall?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D17 Public debt, tax, support, fines, rent, medical and utilities","researcher_record":{"Row":"D17","Deferred topic":"Public debt, tax, support, fines, rent, medical and utilities","Exact remaining question":"Which obligations are actually included in a relevant credit agreement or arrangement and which require special law?"},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":71,"coverage_id":"D17","topic":"D17 Public debt, tax, support, fines, rent, medical and utilities","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D17","Deferred topic":"Public debt, tax, support, fines, rent, medical and utilities","Exact remaining question":"Which obligations are actually included in a relevant credit agreement or arrangement and which require special law?"},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D18 Insolvency, statutory administration, business rescue and 2019 debt intervention","researcher_record":{"Row":"D18","Deferred topic":"Insolvency, statutory administration, business rescue and 2019 debt intervention","Exact remaining question":"What separate statutory office/remedy applies? The P02/P03 unknown 2019 commencement hold remains unchanged."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":72,"coverage_id":"D18","topic":"D18 Insolvency, statutory administration, business rescue and 2019 debt intervention","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D18","Deferred topic":"Insolvency, statutory administration, business rescue and 2019 debt intervention","Exact remaining question":"What separate statutory office/remedy applies? The P02/P03 unknown 2019 commencement hold remains unchanged."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D19 Foreign law, remote provider, recognition, currency and cross-border funds","researcher_record":{"Row":"D19","Deferred topic":"Foreign law, remote provider, recognition, currency and cross-border funds","Exact remaining question":"Which financial services/payment authorisation, applicable law and judgment/asset rules apply? A098 held."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":73,"coverage_id":"D19","topic":"D19 Foreign law, remote provider, recognition, currency and cross-border funds","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D19","Deferred topic":"Foreign law, remote provider, recognition, currency and cross-border funds","Exact remaining question":"Which financial services/payment authorisation, applicable law and judgment/asset rules apply? A098 held."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D20 Whole South Africa country root and A097/A098","researcher_record":{"Row":"D20","Deferred topic":"Whole South Africa country root and A097/A098","Exact remaining question":"Separate completed research and qualified review are required; no acceptance follows from P06."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":74,"coverage_id":"D20","topic":"D20 Whole South Africa country root and A097/A098","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D20","Deferred topic":"Whole South Africa country root and A097/A098","Exact remaining question":"Separate completed research and qualified review are required; no acceptance follows from P06."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D21 Municipalities, local forums and actual account/business locations","researcher_record":{"Row":"D21","Deferred topic":"Municipalities, local forums and actual account/business locations","Exact remaining question":"Are any local rules material to the identified premises, credit agreement, bank, branch or court? No locality examined."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":75,"coverage_id":"D21","topic":"D21 Municipalities, local forums and actual account/business locations","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D21","Deferred topic":"Municipalities, local forums and actual account/business locations","Exact remaining question":"Are any local rules material to the identified premises, credit agreement, bank, branch or court? No locality examined."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"D22 Other sectoral obligations and complete 2026 legislative currentness","researcher_record":{"Row":"D22","Deferred topic":"Other sectoral obligations and complete 2026 legislative currentness","Exact remaining question":"Audit relevant consolidated law, professional rules and every subsequent Gazette amendment actually affecting the PDA questions."},"raw_table_index":14,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":76,"coverage_id":"D22","topic":"D22 Other sectoral obligations and complete 2026 legislative currentness","original_status":"excluded_with_reason — separate deferred family","original_record":{"Row":"D22","Deferred topic":"Other sectoral obligations and complete 2026 legislative currentness","Exact remaining question":"Audit relevant consolidated law, professional rules and every subsequent Gazette amendment actually affecting the PDA questions."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T01 Eastern Cape","researcher_record":{"Row":"T01","Province":"Eastern Cape","Status":"unresolved","Exact next question":"Does an actual provincial/local rule apply to the particular PDA premises, consumer, contract or funds dispute? Official local text not examined."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":77,"coverage_id":"T01","topic":"T01 Eastern Cape","original_status":"unresolved","original_record":{"Row":"T01","Province":"Eastern Cape","Status":"unresolved","Exact next question":"Does an actual provincial/local rule apply to the particular PDA premises, consumer, contract or funds dispute? Official local text not examined."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T02 Free State","researcher_record":{"Row":"T02","Province":"Free State","Status":"unresolved","Exact next question":"Same activity-specific test; no provincial/local legislation read."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":78,"coverage_id":"T02","topic":"T02 Free State","original_status":"unresolved","original_record":{"Row":"T02","Province":"Free State","Status":"unresolved","Exact next question":"Same activity-specific test; no provincial/local legislation read."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T03 Gauteng","researcher_record":{"Row":"T03","Province":"Gauteng","Status":"unresolved","Exact next question":"Determine any actually applicable provincial/local text for the identified actor and venue; no geographic clearance inferred from NCR offices or audit work."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":79,"coverage_id":"T03","topic":"T03 Gauteng","original_status":"unresolved","original_record":{"Row":"T03","Province":"Gauteng","Status":"unresolved","Exact next question":"Determine any actually applicable provincial/local text for the identified actor and venue; no geographic clearance inferred from NCR offices or audit work."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T04 KwaZulu-Natal","researcher_record":{"Row":"T04","Province":"KwaZulu-Natal","Status":"unresolved","Exact next question":"Examine relevant enactments only when a material local nexus is identified."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":80,"coverage_id":"T04","topic":"T04 KwaZulu-Natal","original_status":"unresolved","original_record":{"Row":"T04","Province":"KwaZulu-Natal","Status":"unresolved","Exact next question":"Examine relevant enactments only when a material local nexus is identified."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T05 Limpopo","researcher_record":{"Row":"T05","Province":"Limpopo","Status":"unresolved","Exact next question":"Same location/actor nexus and primary-text requirement."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":81,"coverage_id":"T05","topic":"T05 Limpopo","original_status":"unresolved","original_record":{"Row":"T05","Province":"Limpopo","Status":"unresolved","Exact next question":"Same location/actor nexus and primary-text requirement."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T06 Mpumalanga","researcher_record":{"Row":"T06","Province":"Mpumalanga","Status":"unresolved","Exact next question":"Same; no assumed province-specific licence or exemption."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":82,"coverage_id":"T06","topic":"T06 Mpumalanga","original_status":"unresolved","original_record":{"Row":"T06","Province":"Mpumalanga","Status":"unresolved","Exact next question":"Same; no assumed province-specific licence or exemption."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T07 Northern Cape","researcher_record":{"Row":"T07","Province":"Northern Cape","Status":"unresolved","Exact next question":"Same; no local body examined."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":83,"coverage_id":"T07","topic":"T07 Northern Cape","original_status":"unresolved","original_record":{"Row":"T07","Province":"Northern Cape","Status":"unresolved","Exact next question":"Same; no local body examined."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T08 North West","researcher_record":{"Row":"T08","Province":"North West","Status":"unresolved","Exact next question":"Same; no court/municipality or provincial PDA rule examined."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":84,"coverage_id":"T08","topic":"T08 North West","original_status":"unresolved","original_record":{"Row":"T08","Province":"North West","Status":"unresolved","Exact next question":"Same; no court/municipality or provincial PDA rule examined."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]},{"topic":"T09 Western Cape","researcher_record":{"Row":"T09","Province":"Western Cape","Status":"unresolved","Exact next question":"Same; actual local jurisdictional/regulatory text remains required if relevant."},"raw_table_index":15,"coordinator_acceptance":"withheld_after_scoped_review_pending_corrections_source_and_application","coordinator_review":{"row_zero_based":85,"coverage_id":"T09","topic":"T09 Western Cape","original_status":"unresolved","original_record":{"Row":"T09","Province":"Western Cape","Status":"unresolved","Exact next question":"Same; actual local jurisdictional/regulatory text remains required if relevant."},"coordinator_status":"original_narrow_answered_partial_unresolved_or_excluded_qualification_retained","related_findings":[],"contextual_claim_ids":[],"is_not_acceptance":true,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_currentness_application_holds","coordinator_claim_ids":[]}],"annotations":{},"corrections":[{"issue_id":"C_ZA-P06-Q001","finding":"AtomicC023adds undocumented to the bank-charge-offset test. The actual2024TORrequires verifying that PDAs do not offset bank charges against earnedinterest and that the interestaccount is only used for sweeping relatedinterest; it does not distinguish documented from undocumented offsets. The earlier narrative already correctly describes the unqualifiedaudit test. Neither version establishes a statutorypenalty or completebeneficialownershippolicy.","affected_claim_ids":[],"related_claim_ids":["C_ZA-P06-C023","C_ZA-P06-C029","C_ZA-P06-C049"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://ncr.org.za/index.php/component/phocadownload/category/354-ncr931-09-2024-appointment-of-a-service-provider-to-conduct-annual-audits-for-the-registered-pdas-for-period-of-three-3-years-and-two-2-months?download=2113%3Aterms-of-reference"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_ZA-P06-Q002","finding":"G1summarises44Aregistration/choice/insurance/audit and the answer later states10A(7)own-counselling-business independence, but does not state the distinct44A(5)restriction on a creditprovider interest inconsistent with Actobjects in PDA/debt-counselling management or control. The source register says44A(1)-(6)was read. These are separatequalified actor/control gates; generic organisational wording does not expose the creditproviderpredicate to the reader.","affected_claim_ids":[],"related_claim_ids":["C_ZA-P06-C002","C_ZA-P06-C005","C_ZA-P06-C019"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","https://www.gov.za/sites/default/files/gcis_document/201503/38557rg10382gon202.pdf"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"C_ZA-P06-REVIEW-SCOPE","status":"scoped_coordinator_review_revisions_UNSENT_source_currentness_PDA_fundflow_and_application_holds","at":null}]}