{"meta":{"key":"c_za--pass-07","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-07","path":"/research/c_za--pass-07/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":18,"claims":38,"sources":24,"review_status":"scoped_review_targeted_consistency_repairs_addressed_holds_remain","review_complete":true,"sha256":"3715364632e1ecd23fa5786eebfb58e65897b5ee796467a4388e073ca80d8f5b","headings":["Ordinary NCA debt-counsellor fees: currentness, incorporation and final-adoption chain","Research dates, provenance and scope","G1.1 What Circular 01 adds to the P05 finding","G1.2 What Circular 01 does not establish","G1.3 Current publication and review status","G1.4 Current regulator practice versus legal incorporation","G1.5 The 2013 voluntary code does not fill the incorporation gap","G1.6 The 2024 “fee guideline” documents are a different subject","Current publication wording","G3.1 Actual official search routes and queries","G3.2 Failed and limited accesses","Workflow 1 — Allegedly new “final fee PDF” without authority or an effective date","Workflow 2 — Generic registration condition expressly incorporates the guideline","Workflow 3 — R1,500 quoted after an announced intention to withdraw","Workflow 4 — Refund demanded under the 2011 rule or Circular 06 proposal","Core coverage — G1","Core coverage — G2 fee categories","Core coverage — G3 source/currentness audit","Core coverage — G4 workflows","Core coverage — G5 reconciliation","Explicitly deferred families","Territorial register","Consistency self-check","Exact next primary-source question","Final P07 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-07","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["fees-outcomes","research-quality"]},"scope":"ReviewedP05remainingcurrentfeelegalforce/finaladoptionchain only; unreviewedP06PDAconclusions notadopted","pending_corrections":0},"markdown":"# SettleADebt C_ZA PASS-07 — South Africa\n\n## Ordinary NCA debt-counsellor fees: currentness, incorporation and final-adoption chain\n\n**Focused disposition:** The 2018 fee structure was not merely an abandoned draft. NCR Circular 01 presents the NCR review as completed, states that the attached structure was applicable from **1 April 2018**, says it was non-retrospective, and says adherence would be monitored. That establishes an NCR administrative adoption and stated applicability date. It still does **not** establish that every fee cell was prescribed by the Minister under NCA §45(5)(c), incorporated into every debt counsellor’s conditions of registration, or converted into a universal private statutory remedy. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf)\n\nThe fee-review project had not produced a final replacement by the latest substantive NCR update established here. In October 2024 the work was yet to commence after approval of revised terms; in the NCR’s October 2025 circular, a position paper had been finalised and was circulating for comments and alternative solutions, but the subcommittee’s work remained ongoing. The current NCR circular index, read through its August 2026 entries, did not identify a later circular titled as a final replacement fee guideline. That is a bounded public-index result, not proof that no later instrument exists anywhere. [NCR+2](https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf)\n\nThe **reckless-lending fee** now has a sharper but still two-layer conclusion. Circulars 05 and 06 of 2018 show an intention and consultation process, not final withdrawal. The August 2021 NCR media release still quoted R1,500. But the NCR’s 2024/25 annual report identifies **charging reckless-lending fees** as a common compliance contravention. The safest current statement is therefore: the NCR’s later reported enforcement practice treated charging that fee as noncompliant, while the exact final withdrawal/adoption instrument and complete private-remedy chain remain unlocated. The R1,500 should not be published as an assured current permitted charge. [NCR+3](https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf)\n\nThe **R50 application-fee figure** remains textually present in the NCR-hosted Schedule 2, but that same schedule subjects items 1–4 to annual inflation increases. No official adjustment table, rate-selection rule, rounding method, amendment notice or presently applicable 2026 amount was established. R50 may be described as the amount printed in the official schedule and repeated in later NCR material—not as a certified October 2026 maximum. [NCR+1](https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf)\n\nThe **60-business-day restructuring-fee refund** in Circular 06 remained a proposal for comment; the older 2011 60-business-day refund and 75% withdrawal provisions remain historical. No final current instrument adopting either formulation was established. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf)\n\n## Research dates, provenance and scope\n\n| Item | Recorded position |\n| --- | --- |\n| Fresh P07 public-source access | **26 October 2026 PDT** and **27 October 2026 UTC/SAST** |\n| Individual source clock times | **Unknown**; no per-source times were logged or invented |\n| Mode | Regular Chat with primary-source browsing |\n| Current model/power | Not independently exposed to this answer; no Pro, quota, reset or measured-ranking claim |\n| P04 provenance | Incomplete GPT‑6 Extra High fee introduction ending in a capacity error |\n| P05 provenance | Complete missing-only continuation at GPT‑5.6 Sol Extra High; same-coordinator scoped review supplied, not independent review |\n| P06 provenance | Saved PDA report awaiting first coordinator review; **none of its fee, payment or conditions conclusions is adopted here** |\n| P07 scope | Only the unresolved P05 currentness, incorporation, reckless-fee disposition, refund-adoption, Schedule 2 inflation and post-2024 review questions |\n| Country status | No national, provincial, A097, A098 or whole-parent acceptance |\n\n# G1. Bounded official currentness and authority chain\n\n## G1.1 What Circular 01 adds to the P05 finding\n\nP05 correctly recorded that Guideline 001/2018 is styled as an NCR guideline and does not identify itself as a Ministerial regulation under §45(5)(c). P07 adds a separate official circular that P05 did not use to resolve final issuance.\n\nThe one-page Circular 01 states that the NCR had **completed its review** of debt-counsellor fees, that the new attached structure was **applicable as of 1 April 2018**, that it would not apply retrospectively, and that adherence would be monitored strictly. This supports calling 001/2018 the NCR’s finally issued administrative fee guideline rather than a consultation draft. **C_ZA-P07-C002–C004.** [NCR](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf)\n\nThere is a source-title irregularity: the page header says “Number 01 | February 2018,” while the body heading says “Circular No 01 of 2017.” The NCR’s current circular index lists it as **Circular no 01 of 2018**. P07 preserves that inconsistency and uses the dated body and index together; it does not silently edit the title. **C004.** [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf)\n\n## G1.2 What Circular 01 does not establish\n\nThe 2014 amendment authorises the **Minister** to prescribe fees that may be charged by a registrant. Circular 01 and Guideline 001/2018 are NCR documents, not a Gazette instrument identifying the Minister as decision-maker under §45(5)(c). The administrative applicability statement therefore closes the “was this only proposed?” question at the NCR-guideline level but does not close the statutory-prescription question. **C001–C003, C015–C016.** [South African Government+2](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf)\n\nThe bounded official Gazette searches conducted for P07 located the 2011 and 2017 fee-structure consultation material but did not establish a final Ministerial regulation adopting the 2018 table under §45(5)(c). That is an evidence result, not a declaration that no such instrument exists. **C015.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf?utm_source=chatgpt.com)\n\n## G1.3 Current publication and review status\n\nThe current NCR Guidelines page still links the **2018 debt-counselling fee guideline**, twice, while also listing newer unrelated guidelines through August 2026. Continued publication is evidence that the NCR has not removed the document from its public guidance library; it is not conclusive proof that every cell remains unchanged, legally binding or privately enforceable. **C005, C029, C032.** [NCR](https://www.ncr.org.za/index.php/publications/guidelines)\n\nThe review timeline is:\n\n| Date | Official body | What it establishes | What it does not establish |\n| --- | --- | --- | --- |\n| 22 Feb 2018 | Guideline 001/2018 | Issued fee table and service/timing cells | Ministerial regulation or current 2026 legal force by itself |\n| Feb 2018 / effective 1 Apr 2018 | Circular 01 | NCR review completed; new structure applicable, non-retrospective, monitored | Private statutory cause of action or §45(5)(c) Ministerial prescription |\n| Oct 2024 | Circular 04 | Subcommittee created; revised terms submitted; work to commence | Final revision |\n| Oct 2025 | Circular 10 | Position paper finalised and circulating for comments/alternatives; work ongoing | Approved replacement guideline |\n| Jul/Aug 2026 | Current circular index and Circular 04/2026 | Separate consultation concerning voluntary industry codes | Fee-guideline finalisation |\n\nCircular 10’s current-index label says September 2025, while the PDF itself is headed **October 2025** and says the CIF meeting occurred in September 2025. P07 uses October 2025 as the circular’s document date and preserves the index discrepancy. **C007.** [NCR+1](https://www.ncr.org.za/index.php/publications/circulars)\n\n## G1.4 Current regulator practice versus legal incorporation\n\nThe NCR’s 2024/25 annual report says the Debt Counselling Department monitors debt counsellors against the NCA and their conditions of registration. It reports as common contraventions both **charging reckless-lending fees** and **noncompliance with the NCR’s debt-counselling fee guidelines**. That is significant evidence of the regulator’s compliance position during the year ended 31 March 2025. **C012–C014.** [Trade and Industry Dept.+1](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf)\n\nIt does not, standing alone:\n\n- reproduce the exact generic fee-related condition;\n- identify which fee cells were incorporated into which registration conditions;\n- function as a Ministerial fee regulation;\n- establish that every departure automatically gives the consumer a private refund claim;\n- establish the complete elements or result of any enforcement proceeding.\n\n**C016, C030, C033.**\n\nA September 2025 NCR guideline quotes one general debt-counsellor registration condition concerning changes in contact and eligibility information. That confirms that generic conditions exist and that the NCR sometimes reproduces particular conditions in public guidance. It does not reproduce a fee-incorporation condition. **C010–C011.** [NCR](https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf)\n\nThe NCR’s public debt-counsellor register page says conditions of registration may be obtained from the NCR upon written request. No request was made, as required by this assignment. The full generic conditions therefore remain unavailable in this evidence set. **C011.** [NCR](https://ncr.org.za/register_of_registrants/registered_dc.php)\n\n## G1.5 The 2013 voluntary code does not fill the incorporation gap\n\nThe 2013 Debt Counsellors’ Code says a subscriber commits to processes adopted as NCR guidelines and to explaining fees and implications. But the NCR’s July 2026 circular expressly describes the debt-counsellor code as **voluntary** and opens a review for public comment. It is therefore evidence of a commitment by subscribers, not proof that every registered debt counsellor is universally bound to every 2018 fee cell through a prescribed code or registration condition. **C009–C010.** [NCR+2](https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf)\n\n## G1.6 The 2024 “fee guideline” documents are a different subject\n\nThe current Guidelines page contains items titled “Guideline 1 2024 March fee guideline” and “Guideline 2 2024 March.” Their bodies concern **Regulation 19(13), SACRRA and credit-information transmission fees for credit/data providers and credit bureaux**. They are not replacements for the ordinary debt-counsellor fee guideline. **C008.** [NCR+1](https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf)\n\nThis matters because title-only searching for “fee guideline” could otherwise produce a false currentness conclusion.\n\n# G2. Exact fee-category dispositions\n\nThe amounts and formulas below are not recalculated here. They remain the eight dated P05 workflow examples and the verified cells of Guideline 001/2018. P07 answers only the legal-force/currentness question.\n\n| Fee or condition | P07 disposition | Authority/currentness explanation | Exact remaining proof |\n| --- | --- | --- | --- |\n| **Application fee — R50 plus annual-inflation clause** | **Partial / current amount unresolved** | Schedule 2 item 2 prints R50; item 5 subjects items 1–4 to annual inflation increases. Circular 01 adopts the new structure administratively, and the 2021 release continued to quote R50. No adjustment table, selected inflation measure, rounding method or 2026 amount was established. **C017–C018.** [NCR+1](https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf) | Current operative annual-adjustment instrument or authoritative calculation schedule |\n| **Administration — R300** | **Retained as 2018 NCR-guideline amount; statutory-cap status unresolved** | Circular 01 says the attached structure applied from 1 April 2018; the 2021 release repeated R300. No later final replacement was established. **C003, C019, C029.** [NCR+2](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf) | Ministerial prescription or current fee-related registration condition; final review outcome |\n| **Single restructuring — lesser of distributable amount or R8,000** | **Retained as 2018 guideline formula** | No later final rule changing the formula was established; 2025 review remained ongoing. **C020, C029.** [NCR+1](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Final approved revised guideline or binding condition |\n| **Joint/community-of-property restructuring — lesser of distributable amount or R9,000** | **Retained as 2018 guideline formula** | Same authority and currentness limit as single restructuring. **C020.** [NCR+1](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Final revised body and actual joint-status predicate |\n| **Restructuring earning stage** | **Retained as dated guideline condition** | P05 established payment after drafting and submission of restructuring documents. No final post-2018 change was established. **C020.** [NCR](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Actual work/stage records plus current incorporated authority |\n| **Reckless-lending fee — R1,500** | **Do not publish as current permitted fee** | The 2018 table and 2021 release quoted it; 2018 Circulars 05/06 began a withdrawal consultation; the 2024/25 report says charging reckless-lending fees was a common contravention. Latest regulator-practice evidence is adverse to charging it, but the final formal withdrawal/adoption body remains unlocated. **C023–C025, C032.** [NCR+3](https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf) | Final withdrawal/amendment instrument, exact incorporated condition and any transitional treatment |\n| **Aftercare — lesser of 5% or R450, with service predicate** | **Retained as 2018 guideline formula and service condition** | No later final replacement was established. P05 C015/S004—not ancillary C028—is the proper formula authority. **C021, C029.** [NCR+1](https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf) | Final revised guideline/condition; evidence that aftercare was rendered in the month |\n| **NCT submission — R500, excluding filing fee** | **Retained as dated guideline category; separate filing fee preserved** | No final replacement was established. The debt-counsellor submission category must not be merged with a Tribunal filing tariff. **C022.** [NCR](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Current guideline/condition and current separate NCT filing instrument |\n| **Attorney fees** | **Boundary retained; no universal amount established** | Guideline treatment remains agreement/communication and stage dependent. The fee review materials found do not convert attorney fees into a fixed NCR tariff. **C022.** [NCR](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Actual attorney agreement, professional-cost rules, invoice and performed stage |\n| **60-business-day refund** | **No current entitlement established** | It existed in the 2011 guidance and was proposed in Circular 06’s amended restructuring row, but Circular 06 is expressly a request for comments. No final adoption was established. **C026, C028.** [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf) | Final approved guideline, regulation or incorporated condition adopting the refund |\n| **Historical 75% withdrawal charge** | **Historical only** | The 2011 guideline states it and gives a 1 August 2011 effective date. The final 2018 table did not reproduce a standalone 75% cell, and no current revival was established. **C027.** [NCR](https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf) | Current express instrument or actual contractual/remedial basis |\n| **Guideline incorporation into conditions** | **Unresolved** | Compliance practice and the existence of generic conditions are established. A public generic condition incorporating each fee cell was not obtained. **C010–C016.** [NCR+2](https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf) | Complete current generic conditions or official instrument expressly incorporating 001/2018 |\n| **Latest fee-review result** | **Ongoing as of the latest substantive update established** | October 2025: position paper finalised and circulating; subcommittee work ongoing. Current index through August 2026 identifies no titled final fee circular. **C006–C008.** [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf) | Final approved position, revised guideline, implementation circular or Gazette instrument |\n\n### Current publication wording\n\nPermissible:\n\nThe NCR issued its 2018 debt-counselling fee structure for administrative application from 1 April 2018 and continued to use its fee guidelines as a compliance benchmark. A review was still ongoing in October 2025. We have not established a final revised guideline, a Ministerial regulation adopting every fee cell, or a complete publicly available fee-related registration condition. The 2018 figures should therefore be labelled as NCR guideline figures rather than certified October 2026 statutory caps.\n\nFor reckless lending:\n\nAlthough the 2018 guideline and a 2021 NCR release quoted a R1,500 reckless-lending assessment fee, later NCR reporting says charging reckless-lending fees was treated as a compliance contravention. Do not present R1,500 as a currently permitted fee without the missing final authority chain.\n\nWithhold:\n\n- “R50 is the definitive 2026 statutory maximum.”\n- “Every amount in 001/2018 was prescribed by the Minister.”\n- “All debt counsellors’ registration conditions expressly incorporate every fee cell.”\n- “Circular 06 finally adopted the 60-business-day refund.”\n- “The 75% withdrawal fee is current.”\n- “R1,500 remains chargeable because the 2021 release quoted it.”\n- “The fee review was finalised in 2025.”\n- “No later instrument exists.”\n\n# G3. Source and authority search audit\n\n## G3.1 Actual official search routes and queries\n\n| Search group | Exact query or route | Reached material body/result | Evidentiary result |\n| --- | --- | --- | --- |\n| Current NCR circulars | Direct https://www.ncr.org.za/index.php/publications/circulars | Circular list through August 2026; Circulars 01, 05, 06 of 2018; Circular 04/2024; Circular 10/2025 | Current official index, not proof of unlisted-body absence |\n| Current NCR guidelines | Direct https://www.ncr.org.za/index.php/publications/guidelines | 2018 debt-counselling guideline remains linked; 2024 similarly titled fee items opened and classified as Regulation 19(13) data-reporting material | Current publication evidence and false-positive resolution |\n| Generic conditions | site:ncr.org.za filetype:pdf \"conditions of registration\" \"debt counsellor\" fee guideline | September 2025 guideline quoting a contact-information condition | Proves existence/use of generic conditions; no fee incorporation |\n| Generic conditions on gov.za | site:gov.za filetype:pdf \"conditions of registration\" \"debt counsellor\" \"fee\" NCR | Draft/historical sources; no current fee condition body | No current incorporation body established |\n| Fee guideline plus conditions | site:ncr.org.za \"Debt Counselling Fee Guidelines\" \"conditions of registration\" | Current guideline, historical guideline and compliance materials | Practice links found; exact incorporation clause not found |\n| Ministerial power | site:gov.za \"section 45(5)(c)\" \"debt counsellor\" fees | Act 19 of 2014 | Enabling power located; no implementing fee instrument established |\n| Final Gazette fee rule | site:gov.za/sites/default/files/gcis_document \"debt counselling fee\" \"National Credit\" final regulations | 2011 and 2017 consultation materials | Consultation, not final adoption |\n| Registrant fee prescription | site:gov.za/sites/default/files/gcis_document \"fees that may be charged by a registrant\" \"National Credit\" | 2014 amendment | Power, not exercised fee table |\n| Final debt-counsellor rule | site:gov.za/documents \"debt counsellor fees\" regulation final | 2017 comments page | No final body established |\n| Reckless fee Gazette | site:gov.za \"reckless lending fee\" \"Government Gazette\" | No responsive final body; unrelated results | Final withdrawal Gazette not established |\n| Exact reckless language | site:gov.za/sites/default/files/gcis_document \"reckless lending fee category\" \"31 October 2018\" | No responsive final source | No final disposition inferred |\n| Exact withdrawal phrase | site:gov.za \"withdraw the reckless lending fee category\" | No responsive final body | Negative search only |\n| Exact guideline phrase | site:gov.za/sites/default/files/gcis_document \"Debt Counselling Fee Guideline\" \"31 October 2018\" | Historical consultation and unrelated results | No final adoption established |\n| Latest annual report | site:thedtic.gov.za/wp-content/uploads \"NCR Annual Report 2025/26\" pdf | 2024/25 report only | No 2025/26 report body obtained |\n| NCR annual-report search | site:ncr.org.za/documents/pages/Annual Reports \"2025/26\" NCR | No 2025/26 body | No status conclusion from absence |\n| dtic exact title | site:thedtic.gov.za \"National Credit Regulator Annual Report 2025/26\" | Entity annual-reports page metadata | Listing surfaced; page/body fetch failed |\n| Reckless practice | Current official annual report direct PDF | 2024/25 compliance description | Regulator-practice evidence, not formal withdrawal instrument |\n\n## G3.2 Failed and limited accesses\n\nThe dtic entities annual-reports page identified a 2025/26 NCR annual-report listing in search metadata, but direct opening timed out. No underlying PDF was obtained, so it is not used to claim a 2025/26 enforcement or fee position. **C038.** [Trade and Industry Dept.](https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/?utm_source=chatgpt.com)\n\nThe P05 NCR documents-root failure at https://www.ncr.org.za/documents/ was not repeated. P07 instead used the functioning official Circulars and Guidelines publication pages. The prior failure remains a dated P05 access fact and is not “freshened” into a new source conclusion.\n\nNo API, hidden endpoint, developer tool, scraping mechanism, CAPTCHA bypass, backend call or record request was used. No named registrant or case was searched.\n\n# G4. Four conditional evidence workflows\n\nThese are invented classification tests. They do not quote a fee to a consumer or decide a real dispute.\n\n## Workflow 1 — Allegedly new “final fee PDF” without authority or an effective date\n\n**Assumed facts:** A PDF appears online with new amounts and a title resembling “Debt Counselling Fee Structure 2026,” but it does not identify the issuer’s legal authority, final approval, effective date, transitional rule or whether it is a draft.\n\n| Test | Required evidence |\n| --- | --- |\n| Source identity | Competent NCR, Minister or Gazette issuer; authentic official URL |\n| Status | Final guideline, regulation, condition, circular or consultation draft |\n| Authority | Exact NCA/regulation/condition power relied upon |\n| Temporal operation | Issue date, effective date, prospective/retrospective treatment and superseded edition |\n| Substantive comparison | Exact changed cells and preserved predicates |\n\n**Qualified answer:** The document is not a current fee authority merely because its title and filename appear newer.\n\n**Adverse branch:** A later authenticated instrument may validly replace 001/2018 even if it is not titled “Circular.” The content and legal authority, rather than the filename, control.\n\n**Remaining proof:** Signed/final body and the official adoption/effective chain. **C015–C016, C029–C032.**\n\n## Workflow 2 — Generic registration condition expressly incorporates the guideline\n\n**Assumed facts A:** A current generic condition states that a registered debt counsellor must comply with Guideline 001/2018, as amended or replaced.\n\n**Result:** That would materially strengthen the guideline’s status as a registrant obligation, subject to the condition’s lawful imposition, exact wording, effective date, amendment treatment and applicability to the actor.\n\n**Assumed facts B:** A condition merely says the registrant must comply with the NCA and conditions generally, without identifying fee guidance.\n\n**Result:** It does not by itself prove incorporation of every amount and timing cell.\n\n**Private-remedy limit:** Even express incorporation into a registration condition does not automatically answer whether a consumer has a direct refund action, whether the whole service agreement is void, or what remedy follows.\n\n**Remaining proof:** Complete current generic conditions and the exact fee clause. **C010–C016, C030, C033.**\n\n## Workflow 3 — R1,500 quoted after an announced intention to withdraw\n\n**Assumed facts:** A fee quotation relies on the 2018 table and 2021 media release; the adviser omits Circulars 05/06 and the 2024/25 annual report.\n\n**Classification:**\n\n- 2018 table: official NCR guideline amount.\n- Circular 05: intention to withdraw.\n- Circular 06: proposed amendment/comment process.\n- 2021 release: later regulator communication still quoting the amount.\n- 2024/25 annual report: still-later regulator practice treating charging reckless-lending fees as a contravention.\n\n**Qualified answer:** The later practice evidence makes it unsafe to treat R1,500 as currently permitted. But P07 has not located the formal final withdrawal instrument or complete fee-related condition.\n\n**Adverse branch:** If a final withdrawal circular or incorporated condition exists, it could provide a clearer operative date and transitional rule. If a later final instrument expressly reinstates a fee, it would require separate analysis.\n\n**Remaining proof:** Final withdrawal/adoption body and operative transition. **C023–C025, C032.**\n\n## Workflow 4 — Refund demanded under the 2011 rule or Circular 06 proposal\n\n**Assumed facts:** A consumer asserts a 100% restructuring-fee refund based on the 2011 60-business-day term or the similar wording in Circular 06; another party asserts the 75% historical withdrawal fee.\n\n**Classification:**\n\n- 2011 provisions: historical NCR guidance effective 1 August 2011.\n- Circular 06 refund wording: proposed amendment invited for comment.\n- Final 2018 table: did not itself display the historical standalone 75% cell.\n- P07 search: did not establish final adoption of the Circular 06 refund.\n\n**Qualified answer:** Neither historical/proposed provision is certified as a current 2026 entitlement or current charge.\n\n**Adverse branch:** An actual service agreement, registration condition, later final guideline or other consumer-law remedy could independently create a right or obligation.\n\n**Remaining proof:** Current final instrument and the actual contract/work chronology. **C026–C028, C030.**\n\nNo new numerical recalculation is offered because P07 found no new final numeric rule. The eight P05 examples remain dated illustrations of the 2018 guideline and are not converted into current price quotes.\n\n# Material authority/currentness crosswalk\n\n| Authority layer | Material body | Proven effect | Unproven proposition |\n| --- | --- | --- | --- |\n| Parliamentary enabling provision | NCA §45(5)(c), inserted by Act 19/2014 | Minister **may prescribe** registrant fees | That the Minister adopted every 2018 NCR cell |\n| Prescribed schedule | Schedule 2 items 2 and 5 | Printed R50 application amount plus annual-inflation clause | Exact adjusted 2026 maximum |\n| NCR administrative issue | Circular 01 and Guideline 001/2018 | NCR review completed; guideline applicable from 1 Apr 2018; monitored | Ministerial regulation or universal private remedy |\n| NCR consultation | Circulars 05/06 of 2018 | Intention to withdraw reckless fee; proposed restructuring/refund amendment | Final withdrawal or final refund adoption |\n| NCR explanatory practice | August 2021 release | NCR then publicly quoted 2018-style amounts, including R1,500 | Current statutory permission |\n| NCR project update | October 2024 Circular 04 | Fee review established; terms awaiting approval/work commencement | Revised fees |\n| NCR later project update | October 2025 Circular 10 | Position paper finalised and circulating; work ongoing | Final approved replacement |\n| NCR enforcement reporting | 2024/25 annual report | Fee-guideline noncompliance and reckless-fee charging treated as contraventions in practice | Exact final instrument or automatic consumer remedy |\n| Current publication index | NCR Guidelines and Circulars pages | 2018 guideline remains publicly listed; no titled final fee replacement identified through Aug 2026 entries | Exhaustive proof no unindexed instrument exists |\n| Voluntary code | 2013 Code and 2026 review circular | Subscriber commitments; separate voluntary-code review | Universal registration-condition incorporation |\n| Generic conditions | September 2025 guideline quotation and register note | Conditions exist and are enforced; limited public quotation | Complete fee-related condition text |\n\n# Full source register — C_ZA-P07-S001 onward\n\nAll fresh P07 bodies were accessed **26 October 2026 PDT / 27 October 2026 UTC**. Exact source-specific clock times are unknown.\n\n| ID | Issuer, title and complete literal URL | Exact pinpoint: printed page and zero-based PDF index | Edition, status, actual reading and limit |\n| --- | --- | --- | --- |\n| **C_ZA-P07-S001** | Parliament/Presidency, *National Credit Amendment Act 19 of 2014*, GG37665, GoN389. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf | Amendment of §45, inserted §45(5)(c): **printed GG p12; PDF P6** | **Fresh primary body and page image read.** Enacted enabling power; not itself a fee table. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf) |\n| **S002** | NCR, *Schedule 2 — Prescribed Fees*. https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf | Items 2 and 5: **PDF P0**; standalone file has no separate Gazette page shown | **Fresh official body and page image read.** R50 plus annual-increase clause. Complete original Gazette/effective/amendment implementation chain unresolved. [NCR](https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf) |\n| **S003** | NCR, *The Debt Counselling Fee Guidelines 2018*, 001/2018, 22 Feb 2018. https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf | Cover **P0**; fee tables **P1–P2**; glossary **P3**; no Gazette pagination | **P05 reviewed source with coordinator visual inspection of P1–P2; P07 freshly reopened P0/P3 and current listing.** NCR guideline, not facially Ministerial regulation. [NCR+1](https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf) |\n| **S004** | NCR, *Circular 01 — New Debt Counsellor Fees*, Feb 2018. https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf | Entire one-page body **PDF P0**; no separate printed page number | **Fresh full body/image read.** Review completed; applicable 1 Apr 2018; non-retrospective; monitored. Header/body year inconsistency recorded. [NCR](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf) |\n| **S005** | NCR, *Circular 05 of 2018 — Notice of Intention to Withdraw the Reckless Lending Fee Category*, Sep 2018. https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf | Entire body **PDF P0 / printed p1** | **Fresh full body/image read.** Intention only; anticipates Gazette comments and later circular. [NCR](https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf) |\n| **S006** | NCR, *Circular 06 of 2018 — Request for Written Comments: Reckless Lending Fee Category*, Oct 2018. https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf | Consultation and proposed refund row **PDF P0/printed p1**; continued services **P1/printed p2** | **Fresh relevant body/images read.** Proposal/comments, not final adoption. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf) |\n| **S007** | NCR, *Debt Counselling Offers New Lease of Life for Over-Indebted Consumers*, Aug 2021. https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf | Fee discussion **PDF P1–P2 / printed pp2–3** | **Fresh relevant pages and images read.** Official explanatory release, not legislation. [NCR+1](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) |\n| **S008** | NCR, *Circular 04 of 2024 — Updates from the Credit Industry Forum*, Oct 2024. https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf | Fee-review subcommittee **PDF P2 / printed p3** | **Fresh body and image read.** Work had not yet commenced after terms approval. [NCR](https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf) |\n| **S009** | NCR, *Circular 10 of 2025 — Updates from the Credit Industry Forum*. https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf | Fee review **PDF P0/printed p1**; reckless-guidelines update **P2/printed p3** | **Fresh body/images read.** PDF says Oct 2025; index labels Sep 2025. Fee position paper circulating and work ongoing. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf) |\n| **S010** | NCR/dtic, *NCR Annual Report 2024/25*. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf | Debt-counsellor compliance **PDF P44 / printed report p43**; continuation **P45 / printed p44** | **Fresh body and page image read.** Dated regulator-practice evidence, not a fee regulation or complete case record. [Trade and Industry Dept.+1](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf) |\n| **S011** | NCR, *Circulars* publication index. https://www.ncr.org.za/index.php/publications/circulars | HTML entries through Aug 2026; PDF/page index not applicable | **Fresh current official index read.** Title/index evidence only; no inference that unlisted material cannot exist. [NCR+1](https://www.ncr.org.za/index.php/publications/circulars) |\n| **S012** | NCR, *Guidelines* publication index. https://www.ncr.org.za/index.php/publications/guidelines | HTML lines listing 2018 fee guideline and newer guidelines; PDF index not applicable | **Fresh current official index read.** Continued public posting, not legal-force certification. [NCR](https://www.ncr.org.za/index.php/publications/guidelines) |\n| **S013** | NCR, *Circular 04 of 2026 — Call for Written Comments on Credit Industry Codes of Conduct*, Jul 2026. https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf | Voluntary-code description/purpose **PDF P0/printed p1**; comment process **P1/printed p2** | **Fresh full body/images read.** Separate consultation, not debt-counsellor fee revision. [NCR+1](https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf) |\n| **S014** | NCR, *Debt Counsellors’ Code of Conduct for Debt Review*, effective 1 May 2013. https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf | Subscriber commitments **PDF P1/printed p2**; commencement/definitions **P4/printed p5** | **Fresh relevant body/images read.** Subscriber/voluntary-code evidence, not universal fee-condition incorporation. [NCR+1](https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf) |\n| **S015** | NCR, *Guideline on Compulsory Requirements for Debt Counsellors to Update Contact Information*, Sep 2025. https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf | §4.2–4.3 and quoted generic condition **PDF P1/printed p2** | **Fresh parsed body read; screenshot endpoint was blocked by a verification page.** Used only for quoted contact condition, not a fee clause. [NCR+1](https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf) |\n| **S016** | NCR, public Debt Counsellors register page. https://ncr.org.za/register_of_registrants/registered_dc.php | Generic note at HTML line 148; PDF index not applicable | **Fresh generic page read; no named registrant searched.** Says conditions may be obtained by written request. No request made. [NCR](https://ncr.org.za/register_of_registrants/registered_dc.php) |\n| **S017** | NCR, *Debt Counselling Fee Guidelines*, effective 1 Aug 2011. https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf | Refund/withdrawal/effective date **PDF P0**; information sheet **P1** | **Fresh relevant body read.** Historical guideline; not certified current after 2018. [NCR](https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf) |\n| **S018** | dti/Government Gazette, *Debt Counselling Fee Guidelines*, Notice 224 of 2011, GG34209. https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf | Notice **PDF P0/GG p3**; guideline **P1/GG p4** | **Precisely attributable P05 source and fresh official-search discovery.** Historical consultation/endorsement context, not current law. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf?utm_source=chatgpt.com) |\n| **S019** | dti/Government Gazette, *Recommended Debt Counselling Fee Structure: Request for Comments*, Notice 705 of 2017, GG41100. https://www.gov.za/sites/default/files/gcis_document/201709/41100gen705.pdf | Consultation notice **P0/GG p270**; tables **P1–P2/GG pp271–272** | **P05 reviewed body; P07 freshly opened official metadata page.** Proposal only. [South African Government](https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited) |\n| **S020** | NCR, *Fee Guideline and Schedule Pursuant to Regulation 19(13)*, 01/2024. https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf | Scope/actors **PDF P1–P3**; effective clause **P4** | **Fresh body read.** SACRRA/data-reporting fees; excluded as ordinary debt-counsellor fee authority. [NCR](https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf) |\n| **S021** | NCR, *Amendment to Guideline for Submission of Credit Information*, 02/2024. https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf | Scope/definitions **PDF P1–P3**; effective clause **P6** | **Fresh body read.** Credit-information reporting, not debt-counsellor fee adoption. [NCR](https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf) |\n| **S022** | South African Government, *National Credit Act: Regulations: Debt Counselling Fee Structure: Comments Invited*. https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited | HTML metadata and link to GG41100; no PDF index | **Fresh official metadata read.** Confirms 2017 comments status, not a final regulation. [South African Government](https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited) |\n| **S023** | dtic, *Entity Annual Reports* page. https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/ | Search metadata identified 2025/26 NCR listing; body fetch failed | **Fresh failed candidate.** No 2025/26 report or fee finding adopted. [Trade and Industry Dept.](https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/?utm_source=chatgpt.com) |\n| **S024** | NCR documents root. https://www.ncr.org.za/documents/ | No body | **Precisely attributable P05 failure; not retried in P07.** Functioning circular/guideline pages were used instead. |\n\n# Complete atomic claim/evidence register\n\n| Claim ID | Exact proposition, condition and effect | Source/pinpoint and authority level | Continuing limit |\n| --- | --- | --- | --- |\n| **C_ZA-P07-C001** | NCA §45(5)(c) empowers the Minister to prescribe registrant fees. | S001, §45(5)(c), P6/GG p12 — enacted Act. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf) | Power does not itself prescribe amounts. |\n| **C002** | Guideline 001/2018 is an NCR guideline dated 22 Feb 2018 and does not facially identify itself as a Ministerial regulation. | S003 P0–P3 — NCR guideline. [NCR](https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf) | Statutory-cap status not proved by title. |\n| **C003** | Circular 01 says NCR completed its review and the attached structure was applicable from 1 Apr 2018, prospectively. | S004 P0 — NCR circular. [NCR](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf) | Administrative applicability, not §45(5)(c) prescription. |\n| **C004** | Circular 01’s header/body contain a 2018/2017 numbering inconsistency; current index labels it 2018. | S004 P0; S011 current index. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf) | Source identity irregularity only. |\n| **C005** | Current NCR Guidelines page continues to list the 2018 fee guideline. | S012 HTML. [NCR](https://www.ncr.org.za/index.php/publications/guidelines) | Posting is not complete legal-force proof. |\n| **C006** | Oct 2024 Circular 04 says fee-review terms were submitted and work would commence afterward. | S008 P2/printed p3. [NCR](https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf) | Not a final revision. |\n| **C007** | Oct 2025 Circular 10 says the fee-review position paper was finalised, circulating for comments/alternatives, and work remained ongoing. | S009 P0/printed p1. [ncr.org.za](https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf) | Not approved replacement. |\n| **C008** | Current circular index through Aug 2026 identifies no titled final debt-counselling fee replacement; 2024 Regulation 19(13) fee guidelines concern another subject. | S011; S020–S021. [NCR+2](https://www.ncr.org.za/index.php/publications/circulars) | Bounded title/index conclusion only. |\n| **C009** | Jul 2026 Circular 04 concerns review of voluntary industry codes, not finalisation of debt-counsellor fees. | S013 P0–P1. [NCR+1](https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf) | Separate consultation. |\n| **C010** | The 2013 Code binds its subscribers to stated commitments and guideline processes; NCR describes the debt-counsellor code as voluntary. | S014 P1/P4; S013 P0. [NCR+2](https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf) | Not universal fee-condition incorporation. |\n| **C011** | Generic debt-counsellor conditions exist, but the public body read quotes only a contact/eligibility-change condition; complete conditions are available only on request according to the register page. | S015 P1; S016 HTML. [NCR+1](https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf) | No request made; fee clause unavailable. |\n| **C012** | NCR says its Debt Counselling Department monitors the NCA and conditions of registration. | S010 P44/printed p43. [Trade and Industry Dept.](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf) | General practice statement. |\n| **C013** | 2024/25 NCR reporting treats noncompliance with its debt-counselling fee guidelines as a common contravention. | S010 P44/printed p43. [Trade and Industry Dept.](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf) | Does not reproduce exact incorporated condition. |\n| **C014** | 2024/25 NCR reporting treats charging reckless-lending fees as a common contravention. | S010 P44/printed p43. [Trade and Industry Dept.](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf) | Regulator-practice evidence, not located formal withdrawal instrument. |\n| **C015** | Bounded official searches did not establish a Ministerial instrument adopting the 2018 table under §45(5)(c). | S001, S018–S022 and search audit. | Not proof none exists. |\n| **C016** | Circular/guideline compliance can be a registrant obligation without automatically creating a universal private statutory refund or voiding the service contract. | C001–C015 synthesis. | Private remedy/contracts separately deferred. |\n| **C017** | Schedule 2 item 2 prints R50; item 5 subjects listed fees to annual inflation increases. | S002 P0. [NCR](https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf) | Exact 2026 amount unresolved. |\n| **C018** | No official current annual adjustment table, chosen inflation rate, period or rounding rule was established. | S002, S011–S012, search audit. | Bounded non-finding. |\n| **C019** | R300 remains a dated 2018 NCR-guideline administration amount, administratively applicable from 1 Apr 2018. | S003/P05 reviewed cells; S004; S007. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf) | Statutory cap/current condition unresolved. |\n| **C020** | R8,000/R9,000 formulas and post-drafting/submission timing remain dated 2018 guideline terms; no final change was established. | S003/P05 reviewed cells; S007; S009. [NCR+2](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Final review outcome absent. |\n| **C021** | The 5%/R450 aftercare formula and service predicate remain sourced to P05 C015/S003, not P05 C028. | S003 P2; supplied reviewed P05 correction. | Current binding status unresolved. |\n| **C022** | R500 NCT submission and attorney-fee boundaries remain dated guideline categories; no final replacement was established. | S003/P05 reviewed cells; S007. [NCR+1](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Filing fees and legal-cost law separate. |\n| **C023** | The 2018 guideline and 2021 release quoted R1,500; Circulars 05/06 began withdrawal consultation. | S003, S005–S007. [NCR+2](https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf) | Conflicted chain. |\n| **C024** | Latest regulator-practice body established treats charging reckless fees as noncompliant. | S010 P44. [Trade and Industry Dept.](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf) | Does not supply exact transition/effective date. |\n| **C025** | No final formal withdrawal or reinstatement instrument for the reckless fee was established. | S005–S012 and audit. | Bounded conclusion only. |\n| **C026** | Circular 06 proposed a 100% restructuring-fee refund excluding application/admin after stated 60-business-day nonperformance. | S006 P0/printed p1. [NCR](https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf) | Proposal, not current entitlement. |\n| **C027** | The 2011 guideline contains a historical 60-business-day refund and 75% withdrawal provision, effective 1 Aug 2011. | S017 P0. [NCR](https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf) | Not carried forward as current. |\n| **C028** | No final current instrument adopting the Circular 06 refund or reviving the 75% withdrawal fee was established. | S006, S009, S011–S012, S017. | Contracts/remedies may independently matter. |\n| **C029** | The 2018 guideline is the latest publicly posted ordinary debt-counsellor fee guideline established by this search, while review remained ongoing. | S009, S012. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf) | “Latest posted” is not “current statutory tariff.” |\n| **C030** | Regulator enforcement practice does not by itself prove every consumer remedy, refund, contract consequence or universal cap. | S010 and authority distinction. | Separate remedial analysis needed. |\n| **C031** | No new final numeric fee rule was verified in P07; no new arithmetic is warranted. | S006–S012, S020–S022. | P05 dated examples remain dated. |\n| **C032** | R1,500 should not be published as currently permitted, despite the 2021 release, because later NCR practice is adverse and formal status remains unresolved. | S007, S010. [NCR+1](https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf) | Exact final legal instrument still missing. |\n| **C033** | A registration-condition breach and a private consumer cause of action are distinct legal questions. | S010, C011–C016. | Private/regulatory remedies deferred. |\n| **C034** | P05 C007 is narrowed: 001/2018 was administratively issued and applicable from 1 Apr 2018, but Ministerial prescription remains unproved. | S003–S004. [NCR](https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf) | Original authority limit preserved. |\n| **C035** | P05 C026 is updated: the review progressed from “to commence” in 2024 to an ongoing circulated position paper in 2025, not to final adoption. | S008–S009. [NCR+1](https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf) | Post-Oct2025 final outcome unproved. |\n| **C036** | P05 C030 remains substantially correct but now has stronger bounded support from current indexes through Aug 2026. | S011–S012. [NCR+1](https://www.ncr.org.za/index.php/publications/circulars) | Index may be incomplete. |\n| **C037** | P04/P05 findings are preserved with their historical model provenance; P06 is not adopted. | Supplied provenance. | No cross-component acceptance. |\n| **C038** | Whole-country, provinces, private contracts, remedies, PDA funds, 2019 intervention and A097/A098 remain held. | Scope/control claim. | Separate research required. |\n\n# Exact reviewed-gap reconciliation\n\n| Reviewed P05 row | Original literal proposition/status | P07 finding | Disposition |\n| --- | --- | --- | --- |\n| **P05 C007** | 001/2018 is an NCR guideline, not facially a Ministerial regulation; statutory-cap status unproved. | Circular 01 says review completed and structure applied from 1 Apr 2018. | **Narrowed, not reversed:** final NCR administrative guideline; Ministerial/statutory-cap gap remains. C002–C004, C034 |\n| **P05 C014** | R1,500 reckless fee in 2018 guideline; current status conflicted. | 2024/25 NCR report treats charging it as a contravention. | **Narrowed toward non-chargeability in regulator practice; formal withdrawal still unresolved.** C023–C025, C032 |\n| **P05 C022** | Circular 06 refund was a proposal, not present entitlement. | No final adoption established; 2025 review still ongoing. | **Retained.** C026, C028 |\n| **P05 C026** | 2024 subcommittee terms submitted; work to commence. | 2025 position paper finalised/circulating; work ongoing. | **Updated progress, no final result.** C006–C007, C035 |\n| **P05 C030** | No final post-2024 revision, Ministerial adoption or incorporation established. | Current official indexes through Aug 2026 plus Oct 2025 body still establish no final replacement in the materials read. | **Retained with stronger bounded support; no nonexistence claim.** C008, C015, C036 |\n| **P05 G1-05** | Registration-condition route partial. | Generic conditions are confirmed, but no public fee clause obtained. | **Still partial.** C010–C011 |\n| **P05 G1-15** | 2025/26 final replacement unresolved. | Latest substantive update says ongoing; current index has no titled final replacement. | **Still unresolved.** C007–C008 |\n| **P05 G2-08** | Reckless fee current status unresolved. | Latest practice says charging is a contravention; formal source chain still missing. | **Partial:** current regulator position materially clarified; legal adoption/current transition unresolved. |\n| **P05 G2-19** | Nonperformance refund unresolved. | No final adoption of 2018 proposal found. | **Still unresolved.** C026–C028 |\n| **P04/P05/P06 provenance** | P04 incomplete; P05 completed/reviewed; P06 awaiting review. | No P06 conclusion used; no retroactive model reassignment. | **Preserved.** C037 |\n\n# Complete granular coverage register\n\n## Core coverage — G1\n\n| Row | Subquestion | Status | Finding/claims | Missing body or exact next action |\n| --- | --- | --- | --- | --- |\n| **G1-01** | Identity of 001/2018 | answered | NCR guideline dated 22 Feb 2018. C002 | None for identity |\n| **G1-02** | Was 001/2018 merely proposed? | answered | Circular 01 says review completed and structure applicable 1 Apr 2018. C003 | None at NCR administrative level |\n| **G1-03** | 2018 title/year inconsistency | answered | Header/body/index inconsistency preserved. C004 | No substantive inference |\n| **G1-04** | Ministerial §45(5)(c) authority | answered | Enabling power established. C001 | Exercise of power separate |\n| **G1-05** | Final Ministerial fee instrument | unresolved | None established in bounded official search. C015 | Locate Gazette/Ministerial instrument with effective clause |\n| **G1-06** | Present public posting of 001/2018 | answered | Current NCR Guidelines page links it. C005 | Posting does not resolve force |\n| **G1-07** | October 2024 review status | answered | Terms awaiting approval; work to commence. C006 | Later result needed |\n| **G1-08** | October 2025 review status | answered | Position paper circulating; work ongoing. C007 | Final approval/publication needed |\n| **G1-09** | Post-Oct2025 final review outcome | unresolved | Current index has no titled final replacement. C008, C036 | Obtain final position/revised guideline if issued |\n| **G1-10** | Circular-index completeness | partial | Read through Aug 2026 entries. C008 | Index may omit/unlabel material |\n| **G1-11** | Guidelines-index completeness | partial | 2018 guideline remains listed. C005, C029 | Index is publication evidence, not exhaustive law register |\n| **G1-12** | 2026 code-review relevance | answered | Separate voluntary-code consultation. C009–C010 | Do not use as fee revision |\n| **G1-13** | Generic registration conditions exist | answered | September 2025 guideline quotes one; register page notes availability. C011 | Full conditions not public in evidence |\n| **G1-14** | Fee-guideline incorporation in conditions | unresolved | No exact fee clause obtained. C011, C016 | Obtain published complete generic condition or official incorporating instrument |\n| **G1-15** | Regulator compliance practice | answered as practice | Annual report treats fee-guideline noncompliance as contravention. C012–C013 | Legal/remedial consequences separate |\n| **G1-16** | Private right from compliance practice | unresolved | No universal private remedy established. C016, C030, C033 | Dedicated remedies/contracts analysis |\n| **G1-17** | Schedule 2 annual inflation implementation | unresolved | Clause verified; current amount mechanics absent. C017–C018 | Find annual adjustment source/calculation methodology |\n| **G1-18** | Full 2026 fee-source certification | unresolved | Bounded currentness only. C015, C018, C036 | Independent complete Gazette/condition review |\n\n## Core coverage — G2 fee categories\n\n| Row | Category | Status | Finding/claims | Missing body or fact |\n| --- | --- | --- | --- | --- |\n| **G2-01** | R50 application amount | partial | Printed in Schedule 2, repeated later. C017 | Inflation-adjusted 2026 amount |\n| **G2-02** | R300 administration | partial | 2018 administrative guideline; no replacement found. C019 | Ministerial/condition incorporation |\n| **G2-03** | R8,000 single restructuring | partial | Dated guideline formula retained. C020 | Final review/current condition |\n| **G2-04** | R9,000 joint restructuring | partial | Dated guideline formula retained. C020 | Final review and actual joint predicate |\n| **G2-05** | Restructuring earning stage | partial | Drafting/submission predicate retained. C020 | Actual work evidence/current incorporated rule |\n| **G2-06** | Reckless R1,500 | partial/adverse | Later NCR practice treats charging as contravention. C023–C025, C032 | Formal final withdrawal/transition |\n| **G2-07** | Aftercare 5%/R450/service | partial | P05 C015/S003 retained. C021 | Current binding source and service evidence |\n| **G2-08** | NCT submission R500 | partial | Dated guideline amount; filing separate. C022 | Current guideline and filing tariff |\n| **G2-09** | Attorney agreed fees | partial boundary | Not converted to universal NCR amount. C022 | Contract/professional costs |\n| **G2-10** | 60-business-day refund | unresolved current status | Historical/proposed only. C026–C028 | Final adoption/current remedy |\n| **G2-11** | Historical 75% withdrawal | excluded as current authority | 2011 historical cell only. C027–C028 | Current express source |\n| **G2-12** | Whole current fee structure | partial | Latest posted guideline established, review ongoing. C029 | Final 2026 authority chain |\n\n## Core coverage — G3 source/currentness audit\n\n| Row | Audit issue | Status | Finding/claims | Next action |\n| --- | --- | --- | --- | --- |\n| **G3-01** | Current circular page | answered as index | Entries read through Aug 2026. C008 | Open any future candidate body |\n| **G3-02** | Current guideline page | answered as index | 2018 guideline remains linked. C005 | Do not equate listing with force |\n| **G3-03** | Official Gazette fee search | partial | Consultation bodies found; no final Ministerial body established. C015 | Search complete Gazette register if available |\n| **G3-04** | §45(5)(c) search | answered for power | Act located. C001 | Implementing instrument unresolved |\n| **G3-05** | Generic conditions search | partial | One quoted condition; full conditions unavailable without request. C011 | No request permitted; retain gap |\n| **G3-06** | 2024 similarly titled fee guidelines | answered/excluded | Regulation 19(13) data-reporting fees. C008 | No debt-counsellor inference |\n| **G3-07** | 2024/25 annual report | answered as practice | Reckless and fee-guideline contraventions reported. C013–C014 | Do not convert to regulation |\n| **G3-08** | 2025/26 annual report | unresolved | Listing surfaced but body not obtained. C038 | Obtain direct official PDF in later pass |\n| **G3-09** | P05 failed NCR documents root | answered as provenance | Not retried; different official routes used. | None |\n| **G3-10** | Search-result/snippet treatment | answered | No snippet promoted over opened body. | Continue same discipline |\n| **G3-11** | Named records or cases | excluded_with_reason | No named search performed. | Not required for this component |\n| **G3-12** | Exhaustive nonexistence claim | excluded_with_reason | Explicitly withheld. C015, C036 | Only authoritative complete register could support stronger result |\n\n## Core coverage — G4 workflows\n\n| Row | Workflow | Status | Finding/claims | Missing proof |\n| --- | --- | --- | --- | --- |\n| **G4-01** | New PDF without authority/effect | answered as classification | Title/year insufficient. C015–C016 | Final issuer/authority/effective clauses |\n| **G4-02** | Generic condition incorporates guideline | answered conditionally | Express incorporation would strengthen registrant obligation; absent condition does not. C011, C016 | Complete conditions |\n| **G4-03** | Reckless fee quoted after withdrawal intention | answered conditionally | Later enforcement practice outweighs reliance on 2021 quote for publication safety. C023–C025, C032 | Final formal instrument |\n| **G4-04** | Refund based on 2011/proposal | answered conditionally | No current entitlement proved. C026–C028 | Current rule/contract/remedy |\n\n## Core coverage — G5 reconciliation\n\n| Row | Reviewed gap | Status | Finding | Next action |\n| --- | --- | --- | --- | --- |\n| **G5-01** | P05 C007 | answered/narrowed | Final administrative issuance, not Ministerial prescription. C034 | Preserve authority distinction |\n| **G5-02** | P05 C014 | partial/narrowed | NCR practice adverse to reckless fee. C023–C025 | Find formal final source |\n| **G5-03** | P05 C022 | retained | Refund remains proposal. C026–C028 | Final adoption body |\n| **G5-04** | P05 C026 | answered/updated | Review progressed but remained ongoing. C035 | Post-Oct2025 final result |\n| **G5-05** | P05 C030 | retained with stronger support | Current indexes searched. C036 | No nonexistence claim |\n| **G5-06** | P05 G1-05 | partial | Conditions exist; fee clause missing. C011 | Complete generic conditions |\n| **G5-07** | P05 G1-15 | unresolved | No final replacement established. C007–C008 | Final revised guideline |\n| **G5-08** | P05 G2-08 | partial | Regulator practice clarified; formal status held. C024–C025 | Withdrawal/adoption instrument |\n| **G5-09** | P05 G2-19 | unresolved | Current refund result still absent. C028 | Final refund authority |\n| **G5-10** | P04/P05/P06 provenance | answered as scope | P04/P05 preserved; P06 not adopted. C037 | Separate P06 review |\n\n## Explicitly deferred families\n\n| Row | Deferred family | Status | Exact hold |\n| --- | --- | --- | --- |\n| **D01** | Whole provider-perimeter | excluded_with_reason | Preserve P01 actor/licensing findings and gaps |\n| **D02** | Private voluntary negotiator charges | excluded_with_reason | 001/2018 cannot be transferred to unrelated private services |\n| **D03** | Full service contracts and disclosures | excluded_with_reason | Actual terms unavailable; separate contract law |\n| **D04** | CPA, distance contracts and generic cancellation | excluded_with_reason | No broad cancellation conclusion from fee guidance |\n| **D05** | Private refund, restitution, damages and voidness | excluded_with_reason | Registration practice is not automatic private remedy |\n| **D06** | Regulatory complaints and sanctions | excluded_with_reason | No procedure invoked or case researched |\n| **D07** | PDA, trust, client money and distribution | excluded_with_reason | P06 awaits review and is not adopted |\n| **D08** | VAT and tax | excluded_with_reason | No current VAT-rate/invoice conclusion |\n| **D09** | Creditor-side collection tariff | excluded_with_reason | Preserve P01 C027; separate actor |\n| **D10** | NCR registration, renewal and levies | excluded_with_reason | Preserve P01 C025/C049; not consumer service price |\n| **D11** | Attorney professional fees and court costs | excluded_with_reason | Only boundary stated; full legal-cost regime held |\n| **D12** | 2019 debt intervention | excluded_with_reason | P02/P03 commencement and implementation holds unchanged |\n| **D13** | Administration orders, sequestration, insolvency and rescue | excluded_with_reason | Separate statutory actors/processes |\n| **D14** | Credit-product/debt-type coverage | excluded_with_reason | No product classification rerun |\n| **D15** | Debt collection, validation and disputes | excluded_with_reason | Separate creditor/collector rules |\n| **D16** | Prescription, limitation and revival | excluded_with_reason | Separate statutory analysis |\n| **D17** | Credit reporting and clearance | excluded_with_reason | Reporting guidance not fee authority |\n| **D18** | Court/NCT procedure, filing and enforcement | excluded_with_reason | NCT submission and filing kept separate |\n| **D19** | Security, mortgage and repossession | excluded_with_reason | Fee issue does not decide security rights |\n| **D20** | Tax, fines, maintenance, public and priority debts | excluded_with_reason | Sector-specific law held |\n| **D21** | Foreign law, remote providers and recognition | excluded_with_reason | A098 held |\n| **D22** | Complete consolidated 2026 NCA/regulation audit | excluded_with_reason | P07 performed only bounded fee-chain research |\n| **D23** | Municipalities, local forums and sector practice | excluded_with_reason | No local rule examined |\n| **D24** | Whole South African country acceptance and A097 | excluded_with_reason | No country acceptance |\n| **D25** | A098 cross-border acceptance | excluded_with_reason | No acceptance |\n\n## Territorial register\n\n| Row | Province | Status | Exact retained gap |\n| --- | --- | --- | --- |\n| **T01** | Eastern Cape | unresolved | No province/local fee body examined |\n| **T02** | Free State | unresolved | No province/local fee body examined |\n| **T03** | Gauteng | unresolved | National NCR practice is not all-local clearance |\n| **T04** | KwaZulu-Natal | unresolved | No province/local fee body examined |\n| **T05** | Limpopo | unresolved | No province/local fee body examined |\n| **T06** | Mpumalanga | unresolved | No province/local fee body examined |\n| **T07** | Northern Cape | unresolved | No province/local fee body examined |\n| **T08** | North West | unresolved | No province/local fee body examined |\n| **T09** | Western Cape | unresolved | No province/local fee body examined |\n\n# Evidence-backed article and document opportunities\n\n| Candidate | Supported use | Required warning |\n| --- | --- | --- |\n| **“Who made this fee rule?” authority label** | Classify each line as Act, prescribed schedule, NCR guideline, circular, consultation, annual-report practice or private term | Do not call all cells statutory caps |\n| **Debt-counselling fee version card** | Show 001/2018, Circular 01 effective 1 Apr 2018, 2024 review start and 2025 ongoing position-paper stage | State that final 2026 replacement and incorporation are unproved |\n| **Reckless-fee warning panel** | Explain 2018/2021 quotations versus later NCR contravention reporting | Do not quote R1,500 as currently permitted |\n| **Application-fee source note** | Display Schedule 2’s R50 text alongside its annual-inflation clause | Do not calculate a 2026 figure without the missing implementation rule |\n| **Refund evidence checklist** | Ask for applicable edition, service dates, proposal/referral evidence, contract and current condition | Do not promise the historical/proposed refund |\n| **Fee-authority document checklist** | Require issuer, legal power, edition, effective date, supersession, exact condition and remedy | A newer filename is not enough |\n\n# Self-check and actual row counts\n\n| Output | Actual count |\n| --- | --- |\n| P07 source-register rows | **24** |\n| P07 atomic claims | **38** |\n| G1 core coverage rows | **18** |\n| G2 core coverage rows | **12** |\n| G3 core coverage rows | **12** |\n| G4 workflow coverage rows | **4** |\n| G5 reconciliation coverage rows | **10** |\n| **Total core coverage rows** | **56** |\n| Deferred-family rows | **25** |\n| Provincial/territorial rows | **9** |\n| **Total coverage rows** | **90** |\n| Conditional evidence workflows | **4** |\n| New numerical calculations | **0** |\n| Old-to-new reviewed-gap rows | **10** |\n| Authority/currentness crosswalk rows | **11** |\n\n### Consistency self-check\n\n- No P06 PDA fee or client-money conclusion was adopted.\n- No 2019 debt-intervention search was rerun.\n- Circular 01 is used to establish NCR administrative issuance, not Ministerial prescription.\n- Current public posting is not equated with binding legal force.\n- Annual-report enforcement practice is not equated with a private consumer remedy.\n- R50 is not presented as a certified 2026 maximum.\n- R1,500 is not presented as currently permitted.\n- Circular 06 is not promoted from proposal to adopted refund rule.\n- The 2011 75% withdrawal fee is not revived.\n- The 2025 position paper is not called a final revision.\n- Search and index failures are not converted into absence claims.\n- No named registrant, provider, person, licence, borrower, property or case record was searched.\n- No contact, request, complaint, application, filing, account change or publication occurred.\n- No local or coordinator file was written.\n\n## Exact next primary-source question\n\nDid the NCR or Minister, after Circular 10 of October 2025, issue a final approved debt-counselling fee guideline, Ministerial regulation under NCA §45(5)(c), circular, amendment or generic registration condition that expressly replaces or incorporates Guideline 001/2018—particularly the reckless-lending fee, the proposed 60-business-day refund, the application-fee inflation adjustment and any transitional rules—and what exact effective date and private/regulatory consequences does that final instrument state?\n\n## Final P07 disposition\n\n- **001/2018 administrative adoption:** answered.\n- **Ministerial statutory prescription of every cell:** unresolved.\n- **Generic registration-condition incorporation:** unresolved.\n- **Current public regulator treatment of guideline compliance:** materially supported.\n- **Reckless-lending fee:** later NCR practice treats charging as noncompliant; final formal withdrawal chain unresolved.\n- **60-business-day refund and 75% withdrawal:** not established as current.\n- **Application-fee 2026 maximum:** unresolved.\n- **Post-2024 fee review:** progressed but remained ongoing in October 2025; no final replacement established by the bounded current index review.\n- **Country/province/A097/A098 acceptance:** held.\n\nEND C_ZA PASS-07\n\n","tables":[{"headers":["Item","Recorded position"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Recorded position"],["Fresh P07 public-source access","26 October 2026 PDT and 27 October 2026 UTC/SAST"],["Individual source clock times","Unknown; no per-source times were logged or invented"],["Mode","Regular Chat with primary-source browsing"],["Current model/power","Not independently exposed to this answer; no Pro, quota, reset or measured-ranking claim"],["P04 provenance","Incomplete GPT‑6 Extra High fee introduction ending in a capacity error"],["P05 provenance","Complete missing-only continuation at GPT‑5.6 Sol Extra High; same-coordinator scoped review supplied, not independent review"],["P06 provenance","Saved PDA report awaiting first coordinator review; none of its fee, payment or conditions conclusions is adopted here"],["P07 scope","Only the unresolved P05 currentness, incorporation, reckless-fee disposition, refund-adoption, Schedule 2 inflation and post-2024 review questions"],["Country status","No national, provincial, A097, A098 or whole-parent acceptance"]]},{"headers":["Date","Official body","What it establishes","What it does not establish"],"index":1,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Date","Official body","What it establishes","What it does not establish"],["22 Feb 2018","Guideline 001/2018","Issued fee table and service/timing cells","Ministerial regulation or current 2026 legal force by itself"],["Feb 2018 / effective 1 Apr 2018","Circular 01","NCR review completed; new structure applicable, non-retrospective, monitored","Private statutory cause of action or §45(5)(c) Ministerial prescription"],["Oct 2024","Circular 04","Subcommittee created; revised terms submitted; work to commence","Final revision"],["Oct 2025","Circular 10","Position paper finalised and circulating for comments/alternatives; work ongoing","Approved replacement guideline"],["Jul/Aug 2026","Current circular index and Circular 04/2026","Separate consultation concerning voluntary industry codes","Fee-guideline finalisation"]]},{"headers":["Fee or condition","P07 disposition","Authority/currentness explanation","Exact remaining proof"],"index":2,"links":[{"href":"https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR\n+2"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","text":"NCR\n+3"},{"href":"https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","text":"NCR\n+1"},{"href":"https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","text":"NCR\n+2"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"NCR\n+1"}],"row_links":[[],[{"href":"https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR\n+2"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","text":"NCR\n+3"}],[{"href":"https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","text":"NCR\n+1"}],[{"href":"https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","text":"NCR\n+2"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"NCR\n+1"}]],"rows":[["Fee or condition","P07 disposition","Authority/currentness explanation","Exact remaining proof"],["Application fee — R50 plus annual-inflation clause","Partial / current amount unresolved","Schedule 2 item 2 prints R50; item 5 subjects items 1–4 to annual inflation increases. Circular 01 adopts the new structure administratively, and the 2021 release continued to quote R50. No adjustment table, selected inflation measure, rounding method or 2026 amount was established. C017–C018. \nNCR\n+1","Current operative annual-adjustment instrument or authoritative calculation schedule"],["Administration — R300","Retained as 2018 NCR-guideline amount; statutory-cap status unresolved","Circular 01 says the attached structure applied from 1 April 2018; the 2021 release repeated R300. No later final replacement was established. C003, C019, C029. \nNCR\n+2","Ministerial prescription or current fee-related registration condition; final review outcome"],["Single restructuring — lesser of distributable amount or R8,000","Retained as 2018 guideline formula","No later final rule changing the formula was established; 2025 review remained ongoing. C020, C029. \nNCR\n+1","Final approved revised guideline or binding condition"],["Joint/community-of-property restructuring — lesser of distributable amount or R9,000","Retained as 2018 guideline formula","Same authority and currentness limit as single restructuring. C020. \nNCR\n+1","Final revised body and actual joint-status predicate"],["Restructuring earning stage","Retained as dated guideline condition","P05 established payment after drafting and submission of restructuring documents. No final post-2018 change was established. C020. \nNCR","Actual work/stage records plus current incorporated authority"],["Reckless-lending fee — R1,500","Do not publish as current permitted fee","The 2018 table and 2021 release quoted it; 2018 Circulars 05/06 began a withdrawal consultation; the 2024/25 report says charging reckless-lending fees was a common contravention. Latest regulator-practice evidence is adverse to charging it, but the final formal withdrawal/adoption body remains unlocated. C023–C025, C032. \nNCR\n+3","Final withdrawal/amendment instrument, exact incorporated condition and any transitional treatment"],["Aftercare — lesser of 5% or R450, with service predicate","Retained as 2018 guideline formula and service condition","No later final replacement was established. P05 C015/S004—not ancillary C028—is the proper formula authority. C021, C029. \nNCR\n+1","Final revised guideline/condition; evidence that aftercare was rendered in the month"],["NCT submission — R500, excluding filing fee","Retained as dated guideline category; separate filing fee preserved","No final replacement was established. The debt-counsellor submission category must not be merged with a Tribunal filing tariff. C022. \nNCR","Current guideline/condition and current separate NCT filing instrument"],["Attorney fees","Boundary retained; no universal amount established","Guideline treatment remains agreement/communication and stage dependent. The fee review materials found do not convert attorney fees into a fixed NCR tariff. C022. \nNCR","Actual attorney agreement, professional-cost rules, invoice and performed stage"],["60-business-day refund","No current entitlement established","It existed in the 2011 guidance and was proposed in Circular 06’s amended restructuring row, but Circular 06 is expressly a request for comments. No final adoption was established. C026, C028. \nNCR\n+1","Final approved guideline, regulation or incorporated condition adopting the refund"],["Historical 75% withdrawal charge","Historical only","The 2011 guideline states it and gives a 1 August 2011 effective date. The final 2018 table did not reproduce a standalone 75% cell, and no current revival was established. C027. \nNCR","Current express instrument or actual contractual/remedial basis"],["Guideline incorporation into conditions","Unresolved","Compliance practice and the existence of generic conditions are established. A public generic condition incorporating each fee cell was not obtained. C010–C016. \nNCR\n+2","Complete current generic conditions or official instrument expressly incorporating 001/2018"],["Latest fee-review result","Ongoing as of the latest substantive update established","October 2025: position paper finalised and circulating; subcommittee work ongoing. Current index through August 2026 identifies no titled final fee circular. C006–C008. \nNCR\n+1","Final approved position, revised guideline, implementation circular or Gazette instrument"]]},{"headers":["Search group","Exact query or route","Reached material body/result","Evidentiary result"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Search group","Exact query or route","Reached material body/result","Evidentiary result"],["Current NCR circulars","Direct https://www.ncr.org.za/index.php/publications/circulars","Circular list through August 2026; Circulars 01, 05, 06 of 2018; Circular 04/2024; Circular 10/2025","Current official index, not proof of unlisted-body absence"],["Current NCR guidelines","Direct https://www.ncr.org.za/index.php/publications/guidelines","2018 debt-counselling guideline remains linked; 2024 similarly titled fee items opened and classified as Regulation 19(13) data-reporting material","Current publication evidence and false-positive resolution"],["Generic conditions","site:ncr.org.za filetype:pdf \"conditions of registration\" \"debt counsellor\" fee guideline","September 2025 guideline quoting a contact-information condition","Proves existence/use of generic conditions; no fee incorporation"],["Generic conditions on gov.za","site:gov.za filetype:pdf \"conditions of registration\" \"debt counsellor\" \"fee\" NCR","Draft/historical sources; no current fee condition body","No current incorporation body established"],["Fee guideline plus conditions","site:ncr.org.za \"Debt Counselling Fee Guidelines\" \"conditions of registration\"","Current guideline, historical guideline and compliance materials","Practice links found; exact incorporation clause not found"],["Ministerial power","site:gov.za \"section 45(5)(c)\" \"debt counsellor\" fees","Act 19 of 2014","Enabling power located; no implementing fee instrument established"],["Final Gazette fee rule","site:gov.za/sites/default/files/gcis_document \"debt counselling fee\" \"National Credit\" final regulations","2011 and 2017 consultation materials","Consultation, not final adoption"],["Registrant fee prescription","site:gov.za/sites/default/files/gcis_document \"fees that may be charged by a registrant\" \"National Credit\"","2014 amendment","Power, not exercised fee table"],["Final debt-counsellor rule","site:gov.za/documents \"debt counsellor fees\" regulation final","2017 comments page","No final body established"],["Reckless fee Gazette","site:gov.za \"reckless lending fee\" \"Government Gazette\"","No responsive final body; unrelated results","Final withdrawal Gazette not established"],["Exact reckless language","site:gov.za/sites/default/files/gcis_document \"reckless lending fee category\" \"31 October 2018\"","No responsive final source","No final disposition inferred"],["Exact withdrawal phrase","site:gov.za \"withdraw the reckless lending fee category\"","No responsive final body","Negative search only"],["Exact guideline phrase","site:gov.za/sites/default/files/gcis_document \"Debt Counselling Fee Guideline\" \"31 October 2018\"","Historical consultation and unrelated results","No final adoption established"],["Latest annual report","site:thedtic.gov.za/wp-content/uploads \"NCR Annual Report 2025/26\" pdf","2024/25 report only","No 2025/26 report body obtained"],["NCR annual-report search","site:ncr.org.za/documents/pages/Annual Reports \"2025/26\" NCR","No 2025/26 body","No status conclusion from absence"],["dtic exact title","site:thedtic.gov.za \"National Credit Regulator Annual Report 2025/26\"","Entity annual-reports page metadata","Listing surfaced; page/body fetch failed"],["Reckless practice","Current official annual report direct PDF","2024/25 compliance description","Regulator-practice evidence, not formal withdrawal instrument"]]},{"headers":["Test","Required evidence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Test","Required evidence"],["Source identity","Competent NCR, Minister or Gazette issuer; authentic official URL"],["Status","Final guideline, regulation, condition, circular or consultation draft"],["Authority","Exact NCA/regulation/condition power relied upon"],["Temporal operation","Issue date, effective date, prospective/retrospective treatment and superseded edition"],["Substantive comparison","Exact changed cells and preserved predicates"]]},{"headers":["Authority layer","Material body","Proven effect","Unproven proposition"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority layer","Material body","Proven effect","Unproven proposition"],["Parliamentary enabling provision","NCA §45(5)(c), inserted by Act 19/2014","Minister may prescribe registrant fees","That the Minister adopted every 2018 NCR cell"],["Prescribed schedule","Schedule 2 items 2 and 5","Printed R50 application amount plus annual-inflation clause","Exact adjusted 2026 maximum"],["NCR administrative issue","Circular 01 and Guideline 001/2018","NCR review completed; guideline applicable from 1 Apr 2018; monitored","Ministerial regulation or universal private remedy"],["NCR consultation","Circulars 05/06 of 2018","Intention to withdraw reckless fee; proposed restructuring/refund amendment","Final withdrawal or final refund adoption"],["NCR explanatory practice","August 2021 release","NCR then publicly quoted 2018-style amounts, including R1,500","Current statutory permission"],["NCR project update","October 2024 Circular 04","Fee review established; terms awaiting approval/work commencement","Revised fees"],["NCR later project update","October 2025 Circular 10","Position paper finalised and circulating; work ongoing","Final approved replacement"],["NCR enforcement reporting","2024/25 annual report","Fee-guideline noncompliance and reckless-fee charging treated as contraventions in practice","Exact final instrument or automatic consumer remedy"],["Current publication index","NCR Guidelines and Circulars pages","2018 guideline remains publicly listed; no titled final fee replacement identified through Aug 2026 entries","Exhaustive proof no unindexed instrument exists"],["Voluntary code","2013 Code and 2026 review circular","Subscriber commitments; separate voluntary-code review","Universal registration-condition incorporation"],["Generic conditions","September 2025 guideline quotation and register note","Conditions exist and are enforced; limited public quotation","Complete fee-related condition text"]]},{"headers":["ID","Issuer, title and complete literal URL","Exact pinpoint: printed page and zero-based PDF index","Edition, status, actual reading and limit"],"index":6,"links":[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"},{"href":"https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"},{"href":"https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"NCR\n+1"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept.\n+1"},{"href":"https://www.ncr.org.za/index.php/publications/circulars","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/index.php/publications/guidelines","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","text":"NCR\n+1"},{"href":"https://ncr.org.za/register_of_registrants/registered_dc.php","text":"NCR"},{"href":"https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","text":"NCR"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf?utm_source=chatgpt.com","text":"South African Government\n+1"},{"href":"https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited","text":"South African Government"},{"href":"https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf","text":"NCR"},{"href":"https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited","text":"South African Government"},{"href":"https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/?utm_source=chatgpt.com","text":"Trade and Industry Dept."}],"row_links":[[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"}],[{"href":"https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"}],[{"href":"https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"NCR\n+1"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept.\n+1"}],[{"href":"https://www.ncr.org.za/index.php/publications/circulars","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/index.php/publications/guidelines","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","text":"NCR\n+1"}],[{"href":"https://ncr.org.za/register_of_registrants/registered_dc.php","text":"NCR"}],[{"href":"https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","text":"NCR"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf?utm_source=chatgpt.com","text":"South African Government\n+1"}],[{"href":"https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited","text":"South African Government"}],[{"href":"https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf","text":"NCR"}],[{"href":"https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited","text":"South African Government"}],[{"href":"https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/?utm_source=chatgpt.com","text":"Trade and Industry Dept."}],[]],"rows":[["ID","Issuer, title and complete literal URL","Exact pinpoint: printed page and zero-based PDF index","Edition, status, actual reading and limit"],["C_ZA-P07-S001","Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","Amendment of §45, inserted §45(5)(c): printed GG p12; PDF P6","Fresh primary body and page image read. Enacted enabling power; not itself a fee table. \nSouth African Government"],["S002","NCR, Schedule 2 — Prescribed Fees. https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","Items 2 and 5: PDF P0; standalone file has no separate Gazette page shown","Fresh official body and page image read. R50 plus annual-increase clause. Complete original Gazette/effective/amendment implementation chain unresolved. \nNCR"],["S003","NCR, The Debt Counselling Fee Guidelines 2018, 001/2018, 22 Feb 2018. https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","Cover P0; fee tables P1–P2; glossary P3; no Gazette pagination","P05 reviewed source with coordinator visual inspection of P1–P2; P07 freshly reopened P0/P3 and current listing. NCR guideline, not facially Ministerial regulation. \nNCR\n+1"],["S004","NCR, Circular 01 — New Debt Counsellor Fees, Feb 2018. https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","Entire one-page body PDF P0; no separate printed page number","Fresh full body/image read. Review completed; applicable 1 Apr 2018; non-retrospective; monitored. Header/body year inconsistency recorded. \nNCR"],["S005","NCR, Circular 05 of 2018 — Notice of Intention to Withdraw the Reckless Lending Fee Category, Sep 2018. https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","Entire body PDF P0 / printed p1","Fresh full body/image read. Intention only; anticipates Gazette comments and later circular. \nNCR"],["S006","NCR, Circular 06 of 2018 — Request for Written Comments: Reckless Lending Fee Category, Oct 2018. https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","Consultation and proposed refund row PDF P0/printed p1; continued services P1/printed p2","Fresh relevant body/images read. Proposal/comments, not final adoption. \nNCR\n+1"],["S007","NCR, Debt Counselling Offers New Lease of Life for Over-Indebted Consumers, Aug 2021. https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","Fee discussion PDF P1–P2 / printed pp2–3","Fresh relevant pages and images read. Official explanatory release, not legislation. \nNCR\n+1"],["S008","NCR, Circular 04 of 2024 — Updates from the Credit Industry Forum, Oct 2024. https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","Fee-review subcommittee PDF P2 / printed p3","Fresh body and image read. Work had not yet commenced after terms approval. \nNCR"],["S009","NCR, Circular 10 of 2025 — Updates from the Credit Industry Forum. https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","Fee review PDF P0/printed p1; reckless-guidelines update P2/printed p3","Fresh body/images read. PDF says Oct 2025; index labels Sep 2025. Fee position paper circulating and work ongoing. \nNCR\n+1"],["S010","NCR/dtic, NCR Annual Report 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","Debt-counsellor compliance PDF P44 / printed report p43; continuation P45 / printed p44","Fresh body and page image read. Dated regulator-practice evidence, not a fee regulation or complete case record. \nTrade and Industry Dept.\n+1"],["S011","NCR, Circulars publication index. https://www.ncr.org.za/index.php/publications/circulars","HTML entries through Aug 2026; PDF/page index not applicable","Fresh current official index read. Title/index evidence only; no inference that unlisted material cannot exist. \nNCR\n+1"],["S012","NCR, Guidelines publication index. https://www.ncr.org.za/index.php/publications/guidelines","HTML lines listing 2018 fee guideline and newer guidelines; PDF index not applicable","Fresh current official index read. Continued public posting, not legal-force certification. \nNCR"],["S013","NCR, Circular 04 of 2026 — Call for Written Comments on Credit Industry Codes of Conduct, Jul 2026. https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf","Voluntary-code description/purpose PDF P0/printed p1; comment process P1/printed p2","Fresh full body/images read. Separate consultation, not debt-counsellor fee revision. \nNCR\n+1"],["S014","NCR, Debt Counsellors’ Code of Conduct for Debt Review, effective 1 May 2013. https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf","Subscriber commitments PDF P1/printed p2; commencement/definitions P4/printed p5","Fresh relevant body/images read. Subscriber/voluntary-code evidence, not universal fee-condition incorporation. \nNCR\n+1"],["S015","NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Contact Information, Sep 2025. https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","§4.2–4.3 and quoted generic condition PDF P1/printed p2","Fresh parsed body read; screenshot endpoint was blocked by a verification page. Used only for quoted contact condition, not a fee clause. \nNCR\n+1"],["S016","NCR, public Debt Counsellors register page. https://ncr.org.za/register_of_registrants/registered_dc.php","Generic note at HTML line 148; PDF index not applicable","Fresh generic page read; no named registrant searched. Says conditions may be obtained by written request. No request made. \nNCR"],["S017","NCR, Debt Counselling Fee Guidelines, effective 1 Aug 2011. https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","Refund/withdrawal/effective date PDF P0; information sheet P1","Fresh relevant body read. Historical guideline; not certified current after 2018. \nNCR"],["S018","dti/Government Gazette, Debt Counselling Fee Guidelines, Notice 224 of 2011, GG34209. https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf","Notice PDF P0/GG p3; guideline P1/GG p4","Precisely attributable P05 source and fresh official-search discovery. Historical consultation/endorsement context, not current law. \nSouth African Government\n+1"],["S019","dti/Government Gazette, Recommended Debt Counselling Fee Structure: Request for Comments, Notice 705 of 2017, GG41100. https://www.gov.za/sites/default/files/gcis_document/201709/41100gen705.pdf","Consultation notice P0/GG p270; tables P1–P2/GG pp271–272","P05 reviewed body; P07 freshly opened official metadata page. Proposal only. \nSouth African Government"],["S020","NCR, Fee Guideline and Schedule Pursuant to Regulation 19(13), 01/2024. https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf","Scope/actors PDF P1–P3; effective clause P4","Fresh body read. SACRRA/data-reporting fees; excluded as ordinary debt-counsellor fee authority. \nNCR"],["S021","NCR, Amendment to Guideline for Submission of Credit Information, 02/2024. https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf","Scope/definitions PDF P1–P3; effective clause P6","Fresh body read. Credit-information reporting, not debt-counsellor fee adoption. \nNCR"],["S022","South African Government, National Credit Act: Regulations: Debt Counselling Fee Structure: Comments Invited. https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited","HTML metadata and link to GG41100; no PDF index","Fresh official metadata read. Confirms 2017 comments status, not a final regulation. \nSouth African Government"],["S023","dtic, Entity Annual Reports page. https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/","Search metadata identified 2025/26 NCR listing; body fetch failed","Fresh failed candidate. No 2025/26 report or fee finding adopted. \nTrade and Industry Dept."],["S024","NCR documents root. https://www.ncr.org.za/documents/","No body","Precisely attributable P05 failure; not retried in P07. Functioning circular/guideline pages were used instead."]]},{"headers":["Claim ID","Exact proposition, condition and effect","Source/pinpoint and authority level","Continuing limit"],"index":7,"links":[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"},{"href":"https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/index.php/publications/guidelines","text":"NCR"},{"href":"https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"ncr.org.za"},{"href":"https://www.ncr.org.za/index.php/publications/circulars","text":"NCR\n+2"},{"href":"https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf","text":"NCR\n+2"},{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","text":"NCR\n+1"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."},{"href":"https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+2"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","text":"NCR\n+2"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","text":"NCR"},{"href":"https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR"},{"href":"https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/index.php/publications/circulars","text":"NCR\n+1"}],"row_links":[[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"}],[{"href":"https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/index.php/publications/guidelines","text":"NCR"}],[{"href":"https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"ncr.org.za"}],[{"href":"https://www.ncr.org.za/index.php/publications/circulars","text":"NCR\n+2"}],[{"href":"https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf","text":"NCR\n+2"}],[{"href":"https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","text":"NCR\n+1"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."}],[],[],[{"href":"https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","text":"NCR"}],[],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+2"}],[],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","text":"NCR\n+2"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"Trade and Industry Dept."}],[],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","text":"NCR"}],[{"href":"https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","text":"NCR"}],[],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","text":"NCR\n+1"}],[],[],[{"href":"https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","text":"NCR\n+1"}],[],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","text":"NCR"}],[{"href":"https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/index.php/publications/circulars","text":"NCR\n+1"}],[],[]],"rows":[["Claim ID","Exact proposition, condition and effect","Source/pinpoint and authority level","Continuing limit"],["C_ZA-P07-C001","NCA §45(5)(c) empowers the Minister to prescribe registrant fees.","S001, §45(5)(c), P6/GG p12 — enacted Act. \nSouth African Government","Power does not itself prescribe amounts."],["C002","Guideline 001/2018 is an NCR guideline dated 22 Feb 2018 and does not facially identify itself as a Ministerial regulation.","S003 P0–P3 — NCR guideline. \nNCR","Statutory-cap status not proved by title."],["C003","Circular 01 says NCR completed its review and the attached structure was applicable from 1 Apr 2018, prospectively.","S004 P0 — NCR circular. \nNCR","Administrative applicability, not §45(5)(c) prescription."],["C004","Circular 01’s header/body contain a 2018/2017 numbering inconsistency; current index labels it 2018.","S004 P0; S011 current index. \nNCR\n+1","Source identity irregularity only."],["C005","Current NCR Guidelines page continues to list the 2018 fee guideline.","S012 HTML. \nNCR","Posting is not complete legal-force proof."],["C006","Oct 2024 Circular 04 says fee-review terms were submitted and work would commence afterward.","S008 P2/printed p3. \nNCR","Not a final revision."],["C007","Oct 2025 Circular 10 says the fee-review position paper was finalised, circulating for comments/alternatives, and work remained ongoing.","S009 P0/printed p1. \nncr.org.za","Not approved replacement."],["C008","Current circular index through Aug 2026 identifies no titled final debt-counselling fee replacement; 2024 Regulation 19(13) fee guidelines concern another subject.","S011; S020–S021. \nNCR\n+2","Bounded title/index conclusion only."],["C009","Jul 2026 Circular 04 concerns review of voluntary industry codes, not finalisation of debt-counsellor fees.","S013 P0–P1. \nNCR\n+1","Separate consultation."],["C010","The 2013 Code binds its subscribers to stated commitments and guideline processes; NCR describes the debt-counsellor code as voluntary.","S014 P1/P4; S013 P0. \nNCR\n+2","Not universal fee-condition incorporation."],["C011","Generic debt-counsellor conditions exist, but the public body read quotes only a contact/eligibility-change condition; complete conditions are available only on request according to the register page.","S015 P1; S016 HTML. \nNCR\n+1","No request made; fee clause unavailable."],["C012","NCR says its Debt Counselling Department monitors the NCA and conditions of registration.","S010 P44/printed p43. \nTrade and Industry Dept.","General practice statement."],["C013","2024/25 NCR reporting treats noncompliance with its debt-counselling fee guidelines as a common contravention.","S010 P44/printed p43. \nTrade and Industry Dept.","Does not reproduce exact incorporated condition."],["C014","2024/25 NCR reporting treats charging reckless-lending fees as a common contravention.","S010 P44/printed p43. \nTrade and Industry Dept.","Regulator-practice evidence, not located formal withdrawal instrument."],["C015","Bounded official searches did not establish a Ministerial instrument adopting the 2018 table under §45(5)(c).","S001, S018–S022 and search audit.","Not proof none exists."],["C016","Circular/guideline compliance can be a registrant obligation without automatically creating a universal private statutory refund or voiding the service contract.","C001–C015 synthesis.","Private remedy/contracts separately deferred."],["C017","Schedule 2 item 2 prints R50; item 5 subjects listed fees to annual inflation increases.","S002 P0. \nNCR","Exact 2026 amount unresolved."],["C018","No official current annual adjustment table, chosen inflation rate, period or rounding rule was established.","S002, S011–S012, search audit.","Bounded non-finding."],["C019","R300 remains a dated 2018 NCR-guideline administration amount, administratively applicable from 1 Apr 2018.","S003/P05 reviewed cells; S004; S007. \nNCR\n+1","Statutory cap/current condition unresolved."],["C020","R8,000/R9,000 formulas and post-drafting/submission timing remain dated 2018 guideline terms; no final change was established.","S003/P05 reviewed cells; S007; S009. \nNCR\n+2","Final review outcome absent."],["C021","The 5%/R450 aftercare formula and service predicate remain sourced to P05 C015/S003, not P05 C028.","S003 P2; supplied reviewed P05 correction.","Current binding status unresolved."],["C022","R500 NCT submission and attorney-fee boundaries remain dated guideline categories; no final replacement was established.","S003/P05 reviewed cells; S007. \nNCR\n+1","Filing fees and legal-cost law separate."],["C023","The 2018 guideline and 2021 release quoted R1,500; Circulars 05/06 began withdrawal consultation.","S003, S005–S007. \nNCR\n+2","Conflicted chain."],["C024","Latest regulator-practice body established treats charging reckless fees as noncompliant.","S010 P44. \nTrade and Industry Dept.","Does not supply exact transition/effective date."],["C025","No final formal withdrawal or reinstatement instrument for the reckless fee was established.","S005–S012 and audit.","Bounded conclusion only."],["C026","Circular 06 proposed a 100% restructuring-fee refund excluding application/admin after stated 60-business-day nonperformance.","S006 P0/printed p1. \nNCR","Proposal, not current entitlement."],["C027","The 2011 guideline contains a historical 60-business-day refund and 75% withdrawal provision, effective 1 Aug 2011.","S017 P0. \nNCR","Not carried forward as current."],["C028","No final current instrument adopting the Circular 06 refund or reviving the 75% withdrawal fee was established.","S006, S009, S011–S012, S017.","Contracts/remedies may independently matter."],["C029","The 2018 guideline is the latest publicly posted ordinary debt-counsellor fee guideline established by this search, while review remained ongoing.","S009, S012. \nNCR\n+1","“Latest posted” is not “current statutory tariff.”"],["C030","Regulator enforcement practice does not by itself prove every consumer remedy, refund, contract consequence or universal cap.","S010 and authority distinction.","Separate remedial analysis needed."],["C031","No new final numeric fee rule was verified in P07; no new arithmetic is warranted.","S006–S012, S020–S022.","P05 dated examples remain dated."],["C032","R1,500 should not be published as currently permitted, despite the 2021 release, because later NCR practice is adverse and formal status remains unresolved.","S007, S010. \nNCR\n+1","Exact final legal instrument still missing."],["C033","A registration-condition breach and a private consumer cause of action are distinct legal questions.","S010, C011–C016.","Private/regulatory remedies deferred."],["C034","P05 C007 is narrowed: 001/2018 was administratively issued and applicable from 1 Apr 2018, but Ministerial prescription remains unproved.","S003–S004. \nNCR","Original authority limit preserved."],["C035","P05 C026 is updated: the review progressed from “to commence” in 2024 to an ongoing circulated position paper in 2025, not to final adoption.","S008–S009. \nNCR\n+1","Post-Oct2025 final outcome unproved."],["C036","P05 C030 remains substantially correct but now has stronger bounded support from current indexes through Aug 2026.","S011–S012. \nNCR\n+1","Index may be incomplete."],["C037","P04/P05 findings are preserved with their historical model provenance; P06 is not adopted.","Supplied provenance.","No cross-component acceptance."],["C038","Whole-country, provinces, private contracts, remedies, PDA funds, 2019 intervention and A097/A098 remain held.","Scope/control claim.","Separate research required."]]},{"headers":["Reviewed P05 row","Original literal proposition/status","P07 finding","Disposition"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Reviewed P05 row","Original literal proposition/status","P07 finding","Disposition"],["P05 C007","001/2018 is an NCR guideline, not facially a Ministerial regulation; statutory-cap status unproved.","Circular 01 says review completed and structure applied from 1 Apr 2018.","Narrowed, not reversed: final NCR administrative guideline; Ministerial/statutory-cap gap remains. C002–C004, C034"],["P05 C014","R1,500 reckless fee in 2018 guideline; current status conflicted.","2024/25 NCR report treats charging it as a contravention.","Narrowed toward non-chargeability in regulator practice; formal withdrawal still unresolved. C023–C025, C032"],["P05 C022","Circular 06 refund was a proposal, not present entitlement.","No final adoption established; 2025 review still ongoing.","Retained. C026, C028"],["P05 C026","2024 subcommittee terms submitted; work to commence.","2025 position paper finalised/circulating; work ongoing.","Updated progress, no final result. C006–C007, C035"],["P05 C030","No final post-2024 revision, Ministerial adoption or incorporation established.","Current official indexes through Aug 2026 plus Oct 2025 body still establish no final replacement in the materials read.","Retained with stronger bounded support; no nonexistence claim. C008, C015, C036"],["P05 G1-05","Registration-condition route partial.","Generic conditions are confirmed, but no public fee clause obtained.","Still partial. C010–C011"],["P05 G1-15","2025/26 final replacement unresolved.","Latest substantive update says ongoing; current index has no titled final replacement.","Still unresolved. C007–C008"],["P05 G2-08","Reckless fee current status unresolved.","Latest practice says charging is a contravention; formal source chain still missing.","Partial: current regulator position materially clarified; legal adoption/current transition unresolved."],["P05 G2-19","Nonperformance refund unresolved.","No final adoption of 2018 proposal found.","Still unresolved. C026–C028"],["P04/P05/P06 provenance","P04 incomplete; P05 completed/reviewed; P06 awaiting review.","No P06 conclusion used; no retroactive model reassignment.","Preserved. C037"]]},{"headers":["Row","Subquestion","Status","Finding/claims","Missing body or exact next action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subquestion","Status","Finding/claims","Missing body or exact next action"],["G1-01","Identity of 001/2018","answered","NCR guideline dated 22 Feb 2018. C002","None for identity"],["G1-02","Was 001/2018 merely proposed?","answered","Circular 01 says review completed and structure applicable 1 Apr 2018. C003","None at NCR administrative level"],["G1-03","2018 title/year inconsistency","answered","Header/body/index inconsistency preserved. C004","No substantive inference"],["G1-04","Ministerial §45(5)(c) authority","answered","Enabling power established. C001","Exercise of power separate"],["G1-05","Final Ministerial fee instrument","unresolved","None established in bounded official search. C015","Locate Gazette/Ministerial instrument with effective clause"],["G1-06","Present public posting of 001/2018","answered","Current NCR Guidelines page links it. C005","Posting does not resolve force"],["G1-07","October 2024 review status","answered","Terms awaiting approval; work to commence. C006","Later result needed"],["G1-08","October 2025 review status","answered","Position paper circulating; work ongoing. C007","Final approval/publication needed"],["G1-09","Post-Oct2025 final review outcome","unresolved","Current index has no titled final replacement. C008, C036","Obtain final position/revised guideline if issued"],["G1-10","Circular-index completeness","partial","Read through Aug 2026 entries. C008","Index may omit/unlabel material"],["G1-11","Guidelines-index completeness","partial","2018 guideline remains listed. C005, C029","Index is publication evidence, not exhaustive law register"],["G1-12","2026 code-review relevance","answered","Separate voluntary-code consultation. C009–C010","Do not use as fee revision"],["G1-13","Generic registration conditions exist","answered","September 2025 guideline quotes one; register page notes availability. C011","Full conditions not public in evidence"],["G1-14","Fee-guideline incorporation in conditions","unresolved","No exact fee clause obtained. C011, C016","Obtain published complete generic condition or official incorporating instrument"],["G1-15","Regulator compliance practice","answered as practice","Annual report treats fee-guideline noncompliance as contravention. C012–C013","Legal/remedial consequences separate"],["G1-16","Private right from compliance practice","unresolved","No universal private remedy established. C016, C030, C033","Dedicated remedies/contracts analysis"],["G1-17","Schedule 2 annual inflation implementation","unresolved","Clause verified; current amount mechanics absent. C017–C018","Find annual adjustment source/calculation methodology"],["G1-18","Full 2026 fee-source certification","unresolved","Bounded currentness only. C015, C018, C036","Independent complete Gazette/condition review"]]},{"headers":["Row","Category","Status","Finding/claims","Missing body or fact"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Category","Status","Finding/claims","Missing body or fact"],["G2-01","R50 application amount","partial","Printed in Schedule 2, repeated later. C017","Inflation-adjusted 2026 amount"],["G2-02","R300 administration","partial","2018 administrative guideline; no replacement found. C019","Ministerial/condition incorporation"],["G2-03","R8,000 single restructuring","partial","Dated guideline formula retained. C020","Final review/current condition"],["G2-04","R9,000 joint restructuring","partial","Dated guideline formula retained. C020","Final review and actual joint predicate"],["G2-05","Restructuring earning stage","partial","Drafting/submission predicate retained. C020","Actual work evidence/current incorporated rule"],["G2-06","Reckless R1,500","partial/adverse","Later NCR practice treats charging as contravention. C023–C025, C032","Formal final withdrawal/transition"],["G2-07","Aftercare 5%/R450/service","partial","P05 C015/S003 retained. C021","Current binding source and service evidence"],["G2-08","NCT submission R500","partial","Dated guideline amount; filing separate. C022","Current guideline and filing tariff"],["G2-09","Attorney agreed fees","partial boundary","Not converted to universal NCR amount. C022","Contract/professional costs"],["G2-10","60-business-day refund","unresolved current status","Historical/proposed only. C026–C028","Final adoption/current remedy"],["G2-11","Historical 75% withdrawal","excluded as current authority","2011 historical cell only. C027–C028","Current express source"],["G2-12","Whole current fee structure","partial","Latest posted guideline established, review ongoing. C029","Final 2026 authority chain"]]},{"headers":["Row","Audit issue","Status","Finding/claims","Next action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Audit issue","Status","Finding/claims","Next action"],["G3-01","Current circular page","answered as index","Entries read through Aug 2026. C008","Open any future candidate body"],["G3-02","Current guideline page","answered as index","2018 guideline remains linked. C005","Do not equate listing with force"],["G3-03","Official Gazette fee search","partial","Consultation bodies found; no final Ministerial body established. C015","Search complete Gazette register if available"],["G3-04","§45(5)(c) search","answered for power","Act located. C001","Implementing instrument unresolved"],["G3-05","Generic conditions search","partial","One quoted condition; full conditions unavailable without request. C011","No request permitted; retain gap"],["G3-06","2024 similarly titled fee guidelines","answered/excluded","Regulation 19(13) data-reporting fees. C008","No debt-counsellor inference"],["G3-07","2024/25 annual report","answered as practice","Reckless and fee-guideline contraventions reported. C013–C014","Do not convert to regulation"],["G3-08","2025/26 annual report","unresolved","Listing surfaced but body not obtained. C038","Obtain direct official PDF in later pass"],["G3-09","P05 failed NCR documents root","answered as provenance","Not retried; different official routes used.","None"],["G3-10","Search-result/snippet treatment","answered","No snippet promoted over opened body.","Continue same discipline"],["G3-11","Named records or cases","excluded_with_reason","No named search performed.","Not required for this component"],["G3-12","Exhaustive nonexistence claim","excluded_with_reason","Explicitly withheld. C015, C036","Only authoritative complete register could support stronger result"]]},{"headers":["Row","Workflow","Status","Finding/claims","Missing proof"],"index":12,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Row","Workflow","Status","Finding/claims","Missing proof"],["G4-01","New PDF without authority/effect","answered as classification","Title/year insufficient. C015–C016","Final issuer/authority/effective clauses"],["G4-02","Generic condition incorporates guideline","answered conditionally","Express incorporation would strengthen registrant obligation; absent condition does not. C011, C016","Complete conditions"],["G4-03","Reckless fee quoted after withdrawal intention","answered conditionally","Later enforcement practice outweighs reliance on 2021 quote for publication safety. C023–C025, C032","Final formal instrument"],["G4-04","Refund based on 2011/proposal","answered conditionally","No current entitlement proved. C026–C028","Current rule/contract/remedy"]]},{"headers":["Row","Reviewed gap","Status","Finding","Next action"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Reviewed gap","Status","Finding","Next action"],["G5-01","P05 C007","answered/narrowed","Final administrative issuance, not Ministerial prescription. C034","Preserve authority distinction"],["G5-02","P05 C014","partial/narrowed","NCR practice adverse to reckless fee. C023–C025","Find formal final source"],["G5-03","P05 C022","retained","Refund remains proposal. C026–C028","Final adoption body"],["G5-04","P05 C026","answered/updated","Review progressed but remained ongoing. C035","Post-Oct2025 final result"],["G5-05","P05 C030","retained with stronger support","Current indexes searched. C036","No nonexistence claim"],["G5-06","P05 G1-05","partial","Conditions exist; fee clause missing. C011","Complete generic conditions"],["G5-07","P05 G1-15","unresolved","No final replacement established. C007–C008","Final revised guideline"],["G5-08","P05 G2-08","partial","Regulator practice clarified; formal status held. C024–C025","Withdrawal/adoption instrument"],["G5-09","P05 G2-19","unresolved","Current refund result still absent. C028","Final refund authority"],["G5-10","P04/P05/P06 provenance","answered as scope","P04/P05 preserved; P06 not adopted. C037","Separate P06 review"]]},{"headers":["Row","Deferred family","Status","Exact hold"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred family","Status","Exact hold"],["D01","Whole provider-perimeter","excluded_with_reason","Preserve P01 actor/licensing findings and gaps"],["D02","Private voluntary negotiator charges","excluded_with_reason","001/2018 cannot be transferred to unrelated private services"],["D03","Full service contracts and disclosures","excluded_with_reason","Actual terms unavailable; separate contract law"],["D04","CPA, distance contracts and generic cancellation","excluded_with_reason","No broad cancellation conclusion from fee guidance"],["D05","Private refund, restitution, damages and voidness","excluded_with_reason","Registration practice is not automatic private remedy"],["D06","Regulatory complaints and sanctions","excluded_with_reason","No procedure invoked or case researched"],["D07","PDA, trust, client money and distribution","excluded_with_reason","P06 awaits review and is not adopted"],["D08","VAT and tax","excluded_with_reason","No current VAT-rate/invoice conclusion"],["D09","Creditor-side collection tariff","excluded_with_reason","Preserve P01 C027; separate actor"],["D10","NCR registration, renewal and levies","excluded_with_reason","Preserve P01 C025/C049; not consumer service price"],["D11","Attorney professional fees and court costs","excluded_with_reason","Only boundary stated; full legal-cost regime held"],["D12","2019 debt intervention","excluded_with_reason","P02/P03 commencement and implementation holds unchanged"],["D13","Administration orders, sequestration, insolvency and rescue","excluded_with_reason","Separate statutory actors/processes"],["D14","Credit-product/debt-type coverage","excluded_with_reason","No product classification rerun"],["D15","Debt collection, validation and disputes","excluded_with_reason","Separate creditor/collector rules"],["D16","Prescription, limitation and revival","excluded_with_reason","Separate statutory analysis"],["D17","Credit reporting and clearance","excluded_with_reason","Reporting guidance not fee authority"],["D18","Court/NCT procedure, filing and enforcement","excluded_with_reason","NCT submission and filing kept separate"],["D19","Security, mortgage and repossession","excluded_with_reason","Fee issue does not decide security rights"],["D20","Tax, fines, maintenance, public and priority debts","excluded_with_reason","Sector-specific law held"],["D21","Foreign law, remote providers and recognition","excluded_with_reason","A098 held"],["D22","Complete consolidated 2026 NCA/regulation audit","excluded_with_reason","P07 performed only bounded fee-chain research"],["D23","Municipalities, local forums and sector practice","excluded_with_reason","No local rule examined"],["D24","Whole South African country acceptance and A097","excluded_with_reason","No country acceptance"],["D25","A098 cross-border acceptance","excluded_with_reason","No acceptance"]]},{"headers":["Row","Province","Status","Exact retained gap"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Province","Status","Exact retained gap"],["T01","Eastern Cape","unresolved","No province/local fee body examined"],["T02","Free State","unresolved","No province/local fee body examined"],["T03","Gauteng","unresolved","National NCR practice is not all-local clearance"],["T04","KwaZulu-Natal","unresolved","No province/local fee body examined"],["T05","Limpopo","unresolved","No province/local fee body examined"],["T06","Mpumalanga","unresolved","No province/local fee body examined"],["T07","Northern Cape","unresolved","No province/local fee body examined"],["T08","North West","unresolved","No province/local fee body examined"],["T09","Western Cape","unresolved","No province/local fee body examined"]]},{"headers":["Candidate","Supported use","Required warning"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Candidate","Supported use","Required warning"],["“Who made this fee rule?” authority label","Classify each line as Act, prescribed schedule, NCR guideline, circular, consultation, annual-report practice or private term","Do not call all cells statutory caps"],["Debt-counselling fee version card","Show 001/2018, Circular 01 effective 1 Apr 2018, 2024 review start and 2025 ongoing position-paper stage","State that final 2026 replacement and incorporation are unproved"],["Reckless-fee warning panel","Explain 2018/2021 quotations versus later NCR contravention reporting","Do not quote R1,500 as currently permitted"],["Application-fee source note","Display Schedule 2’s R50 text alongside its annual-inflation clause","Do not calculate a 2026 figure without the missing implementation rule"],["Refund evidence checklist","Ask for applicable edition, service dates, proposal/referral evidence, contract and current condition","Do not promise the historical/proposed refund"],["Fee-authority document checklist","Require issuer, legal power, edition, effective date, supersession, exact condition and remedy","A newer filename is not enough"]]},{"headers":["Output","Actual count"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Output","Actual count"],["P07 source-register rows","24"],["P07 atomic claims","38"],["G1 core coverage rows","18"],["G2 core coverage rows","12"],["G3 core coverage rows","12"],["G4 workflow coverage rows","4"],["G5 reconciliation coverage rows","10"],["Total core coverage rows","56"],["Deferred-family rows","25"],["Provincial/territorial rows","9"],["Total coverage rows","90"],["Conditional evidence workflows","4"],["New numerical calculations","0"],["Old-to-new reviewed-gap rows","10"],["Authority/currentness crosswalk rows","11"]]}],"claims":[{"claim_id":"C_ZA-P07-C001","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_ZA-P07-C001","Exact proposition, condition and effect":"NCA §45(5)(c) empowers the Minister to prescribe registrant fees.","Source/pinpoint and authority level":"S001, §45(5)(c), P6/GG p12 — enacted Act. \nSouth African Government","Continuing limit":"Power does not itself prescribe amounts."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C002","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Exact proposition, condition and effect":"Guideline 001/2018 is an NCR guideline dated 22 Feb 2018 and does not facially identify itself as a Ministerial regulation.","Source/pinpoint and authority level":"S003 P0–P3 — NCR guideline. \nNCR","Continuing limit":"Statutory-cap status not proved by title."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C003","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Exact proposition, condition and effect":"Circular 01 says NCR completed its review and the attached structure was applicable from 1 Apr 2018, prospectively.","Source/pinpoint and authority level":"S004 P0 — NCR circular. \nNCR","Continuing limit":"Administrative applicability, not §45(5)(c) prescription."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C004","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Exact proposition, condition and effect":"Circular 01’s header/body contain a 2018/2017 numbering inconsistency; current index labels it 2018.","Source/pinpoint and authority level":"S004 P0; S011 current index. \nNCR\n+1","Continuing limit":"Source identity irregularity only."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C005","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Exact proposition, condition and effect":"Current NCR Guidelines page continues to list the 2018 fee guideline.","Source/pinpoint and authority level":"S012 HTML. \nNCR","Continuing limit":"Posting is not complete legal-force proof."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C006","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Exact proposition, condition and effect":"Oct 2024 Circular 04 says fee-review terms were submitted and work would commence afterward.","Source/pinpoint and authority level":"S008 P2/printed p3. \nNCR","Continuing limit":"Not a final revision."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C007","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Exact proposition, condition and effect":"Oct 2025 Circular 10 says the fee-review position paper was finalised, circulating for comments/alternatives, and work remained ongoing.","Source/pinpoint and authority level":"S009 P0/printed p1. \nncr.org.za","Continuing limit":"Not approved replacement."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C008","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Exact proposition, condition and effect":"Current circular index through Aug 2026 identifies no titled final debt-counselling fee replacement; 2024 Regulation 19(13) fee guidelines concern another subject.","Source/pinpoint and authority level":"S011; S020–S021. \nNCR\n+2","Continuing limit":"Bounded title/index conclusion only."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C009","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Exact proposition, condition and effect":"Jul 2026 Circular 04 concerns review of voluntary industry codes, not finalisation of debt-counsellor fees.","Source/pinpoint and authority level":"S013 P0–P1. \nNCR\n+1","Continuing limit":"Separate consultation."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C010","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Exact proposition, condition and effect":"The 2013 Code binds its subscribers to stated commitments and guideline processes; NCR describes the debt-counsellor code as voluntary.","Source/pinpoint and authority level":"S014 P1/P4; S013 P0. \nNCR\n+2","Continuing limit":"Not universal fee-condition incorporation."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C011","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Exact proposition, condition and effect":"Generic debt-counsellor conditions exist, but the public body read quotes only a contact/eligibility-change condition; complete conditions are available only on request according to the register page.","Source/pinpoint and authority level":"S015 P1; S016 HTML. \nNCR\n+1","Continuing limit":"No request made; fee clause unavailable."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C012","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Exact proposition, condition and effect":"NCR says its Debt Counselling Department monitors the NCA and conditions of registration.","Source/pinpoint and authority level":"S010 P44/printed p43. \nTrade and Industry Dept.","Continuing limit":"General practice statement."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C013","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Exact proposition, condition and effect":"2024/25 NCR reporting treats noncompliance with its debt-counselling fee guidelines as a common contravention.","Source/pinpoint and authority level":"S010 P44/printed p43. \nTrade and Industry Dept.","Continuing limit":"Does not reproduce exact incorporated condition."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C014","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Exact proposition, condition and effect":"2024/25 NCR reporting treats charging reckless-lending fees as a common contravention.","Source/pinpoint and authority level":"S010 P44/printed p43. \nTrade and Industry Dept.","Continuing limit":"Regulator-practice evidence, not located formal withdrawal instrument."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C015","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Exact proposition, condition and effect":"Bounded official searches did not establish a Ministerial instrument adopting the 2018 table under §45(5)(c).","Source/pinpoint and authority level":"S001, S018–S022 and search audit.","Continuing limit":"Not proof none exists."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C016","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Exact proposition, condition and effect":"Circular/guideline compliance can be a registrant obligation without automatically creating a universal private statutory refund or voiding the service contract.","Source/pinpoint and authority level":"C001–C015 synthesis.","Continuing limit":"Private remedy/contracts separately deferred."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C017","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Exact proposition, condition and effect":"Schedule 2 item 2 prints R50; item 5 subjects listed fees to annual inflation increases.","Source/pinpoint and authority level":"S002 P0. \nNCR","Continuing limit":"Exact 2026 amount unresolved."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C018","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Exact proposition, condition and effect":"No official current annual adjustment table, chosen inflation rate, period or rounding rule was established.","Source/pinpoint and authority level":"S002, S011–S012, search audit.","Continuing limit":"Bounded non-finding."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C019","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Exact proposition, condition and effect":"R300 remains a dated 2018 NCR-guideline administration amount, administratively applicable from 1 Apr 2018.","Source/pinpoint and authority level":"S003/P05 reviewed cells; S004; S007. \nNCR\n+1","Continuing limit":"Statutory cap/current condition unresolved."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C020","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Exact proposition, condition and effect":"R8,000/R9,000 formulas and post-drafting/submission timing remain dated 2018 guideline terms; no final change was established.","Source/pinpoint and authority level":"S003/P05 reviewed cells; S007; S009. \nNCR\n+2","Continuing limit":"Final review outcome absent."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C021","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Exact proposition, condition and effect":"The 5%/R450 aftercare formula and service predicate remain sourced to P05 C015/S003, not P05 C028.","Source/pinpoint and authority level":"S003 P2; supplied reviewed P05 correction.","Continuing limit":"Current binding status unresolved."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C022","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Exact proposition, condition and effect":"R500 NCT submission and attorney-fee boundaries remain dated guideline categories; no final replacement was established.","Source/pinpoint and authority level":"S003/P05 reviewed cells; S007. \nNCR\n+1","Continuing limit":"Filing fees and legal-cost law separate."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C023","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Exact proposition, condition and effect":"The 2018 guideline and 2021 release quoted R1,500; Circulars 05/06 began withdrawal consultation.","Source/pinpoint and authority level":"S003, S005–S007. \nNCR\n+2","Continuing limit":"Conflicted chain."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C024","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Exact proposition, condition and effect":"Latest regulator-practice body established treats charging reckless fees as noncompliant.","Source/pinpoint and authority level":"S010 P44. \nTrade and Industry Dept.","Continuing limit":"Does not supply exact transition/effective date."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C025","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Exact proposition, condition and effect":"No final formal withdrawal or reinstatement instrument for the reckless fee was established.","Source/pinpoint and authority level":"S005–S012 and audit.","Continuing limit":"Bounded conclusion only."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C026","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Exact proposition, condition and effect":"Circular 06 proposed a 100% restructuring-fee refund excluding application/admin after stated 60-business-day nonperformance.","Source/pinpoint and authority level":"S006 P0/printed p1. \nNCR","Continuing limit":"Proposal, not current entitlement."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C027","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Exact proposition, condition and effect":"The 2011 guideline contains a historical 60-business-day refund and 75% withdrawal provision, effective 1 Aug 2011.","Source/pinpoint and authority level":"S017 P0. \nNCR","Continuing limit":"Not carried forward as current."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C028","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Exact proposition, condition and effect":"No final current instrument adopting the Circular 06 refund or reviving the 75% withdrawal fee was established.","Source/pinpoint and authority level":"S006, S009, S011–S012, S017.","Continuing limit":"Contracts/remedies may independently matter."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C029","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Exact proposition, condition and effect":"The 2018 guideline is the latest publicly posted ordinary debt-counsellor fee guideline established by this search, while review remained ongoing.","Source/pinpoint and authority level":"S009, S012. \nNCR\n+1","Continuing limit":"“Latest posted” is not “current statutory tariff.”"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C030","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Exact proposition, condition and effect":"Regulator enforcement practice does not by itself prove every consumer remedy, refund, contract consequence or universal cap.","Source/pinpoint and authority level":"S010 and authority distinction.","Continuing limit":"Separate remedial analysis needed."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C031","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Exact proposition, condition and effect":"No new final numeric fee rule was verified in P07; no new arithmetic is warranted.","Source/pinpoint and authority level":"S006–S012, S020–S022.","Continuing limit":"P05 dated examples remain dated."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C032","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Exact proposition, condition and effect":"R1,500 should not be published as currently permitted, despite the 2021 release, because later NCR practice is adverse and formal status remains unresolved.","Source/pinpoint and authority level":"S007, S010. \nNCR\n+1","Continuing limit":"Exact final legal instrument still missing."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C033","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Exact proposition, condition and effect":"A registration-condition breach and a private consumer cause of action are distinct legal questions.","Source/pinpoint and authority level":"S010, C011–C016.","Continuing limit":"Private/regulatory remedies deferred."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C034","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Exact proposition, condition and effect":"P05 C007 is narrowed: 001/2018 was administratively issued and applicable from 1 Apr 2018, but Ministerial prescription remains unproved.","Source/pinpoint and authority level":"S003–S004. \nNCR","Continuing limit":"Original authority limit preserved."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C035","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Exact proposition, condition and effect":"P05 C026 is updated: the review progressed from “to commence” in 2024 to an ongoing circulated position paper in 2025, not to final adoption.","Source/pinpoint and authority level":"S008–S009. \nNCR\n+1","Continuing limit":"Post-Oct2025 final outcome unproved."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C036","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Exact proposition, condition and effect":"P05 C030 remains substantially correct but now has stronger bounded support from current indexes through Aug 2026.","Source/pinpoint and authority level":"S011–S012. \nNCR\n+1","Continuing limit":"Index may be incomplete."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C037","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Exact proposition, condition and effect":"P04/P05 findings are preserved with their historical model provenance; P06 is not adopted.","Source/pinpoint and authority level":"Supplied provenance.","Continuing limit":"No cross-component acceptance."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"claim_id":"C_ZA-C038","area_numbers":[97,98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C038","Exact proposition, condition and effect":"Whole-country, provinces, private contracts, remedies, PDA funds, 2019 intervention and A097/A098 remain held.","Source/pinpoint and authority level":"Scope/control claim.","Continuing limit":"Separate research required."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}}],"sources":[{"source_id":"C_ZA-P07-S001","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf"],"researcher_record":{"ID":"C_ZA-P07-S001","Issuer, title and complete literal URL":"Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","Exact pinpoint: printed page and zero-based PDF index":"Amendment of §45, inserted §45(5)(c): printed GG p12; PDF P6","Edition, status, actual reading and limit":"Fresh primary body and page image read. Enacted enabling power; not itself a fee table. \nSouth African Government"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S002","urls":["https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf"],"researcher_record":{"ID":"S002","Issuer, title and complete literal URL":"NCR, Schedule 2 — Prescribed Fees. https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf","Exact pinpoint: printed page and zero-based PDF index":"Items 2 and 5: PDF P0; standalone file has no separate Gazette page shown","Edition, status, actual reading and limit":"Fresh official body and page image read. R50 plus annual-increase clause. Complete original Gazette/effective/amendment implementation chain unresolved. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S003","urls":["https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf"],"researcher_record":{"ID":"S003","Issuer, title and complete literal URL":"NCR, The Debt Counselling Fee Guidelines 2018, 001/2018, 22 Feb 2018. https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf","Exact pinpoint: printed page and zero-based PDF index":"Cover P0; fee tables P1–P2; glossary P3; no Gazette pagination","Edition, status, actual reading and limit":"P05 reviewed source with coordinator visual inspection of P1–P2; P07 freshly reopened P0/P3 and current listing. NCR guideline, not facially Ministerial regulation. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S004","urls":["https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf"],"researcher_record":{"ID":"S004","Issuer, title and complete literal URL":"NCR, Circular 01 — New Debt Counsellor Fees, Feb 2018. https://www.ncr.org.za/documents/Circulars/Circular%20New%20Debt%20Counsellor%20Fees%201.pdf","Exact pinpoint: printed page and zero-based PDF index":"Entire one-page body PDF P0; no separate printed page number","Edition, status, actual reading and limit":"Fresh full body/image read. Review completed; applicable 1 Apr 2018; non-retrospective; monitored. Header/body year inconsistency recorded. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S005","urls":["https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf"],"researcher_record":{"ID":"S005","Issuer, title and complete literal URL":"NCR, Circular 05 of 2018 — Notice of Intention to Withdraw the Reckless Lending Fee Category, Sep 2018. https://www.ncr.org.za/documents/Circulars/NCR%20Circular%2005%20September%202018.pdf","Exact pinpoint: printed page and zero-based PDF index":"Entire body PDF P0 / printed p1","Edition, status, actual reading and limit":"Fresh full body/image read. Intention only; anticipates Gazette comments and later circular. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S006","urls":["https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf"],"researcher_record":{"ID":"S006","Issuer, title and complete literal URL":"NCR, Circular 06 of 2018 — Request for Written Comments: Reckless Lending Fee Category, Oct 2018. https://www.ncr.org.za/documents/Circulars/Circular%20No.06%20of%202018-%20Wriiten%20comments-%20Reckless%20Lending%20Fee.pdf","Exact pinpoint: printed page and zero-based PDF index":"Consultation and proposed refund row PDF P0/printed p1; continued services P1/printed p2","Edition, status, actual reading and limit":"Fresh relevant body/images read. Proposal/comments, not final adoption. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S007","urls":["https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf"],"researcher_record":{"ID":"S007","Issuer, title and complete literal URL":"NCR, Debt Counselling Offers New Lease of Life for Over-Indebted Consumers, Aug 2021. https://www.ncr.org.za/documents/Approved%20media%20release%20Debt%20counselling2.pdf","Exact pinpoint: printed page and zero-based PDF index":"Fee discussion PDF P1–P2 / printed pp2–3","Edition, status, actual reading and limit":"Fresh relevant pages and images read. Official explanatory release, not legislation. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S008","urls":["https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf"],"researcher_record":{"ID":"S008","Issuer, title and complete literal URL":"NCR, Circular 04 of 2024 — Updates from the Credit Industry Forum, Oct 2024. https://ncr.org.za/documents/Circulars/Circular-04-of-2024.pdf","Exact pinpoint: printed page and zero-based PDF index":"Fee-review subcommittee PDF P2 / printed p3","Edition, status, actual reading and limit":"Fresh body and image read. Work had not yet commenced after terms approval. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S009","urls":["https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf"],"researcher_record":{"ID":"S009","Issuer, title and complete literal URL":"NCR, Circular 10 of 2025 — Updates from the Credit Industry Forum. https://www.ncr.org.za/documents/Circulars/Circular%2010%20of%202025.pdf","Exact pinpoint: printed page and zero-based PDF index":"Fee review PDF P0/printed p1; reckless-guidelines update P2/printed p3","Edition, status, actual reading and limit":"Fresh body/images read. PDF says Oct 2025; index labels Sep 2025. Fee position paper circulating and work ongoing. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S010","urls":["https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf"],"researcher_record":{"ID":"S010","Issuer, title and complete literal URL":"NCR/dtic, NCR Annual Report 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","Exact pinpoint: printed page and zero-based PDF index":"Debt-counsellor compliance PDF P44 / printed report p43; continuation P45 / printed p44","Edition, status, actual reading and limit":"Fresh body and page image read. Dated regulator-practice evidence, not a fee regulation or complete case record. \nTrade and Industry Dept.\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S011","urls":["https://www.ncr.org.za/index.php/publications/circulars"],"researcher_record":{"ID":"S011","Issuer, title and complete literal URL":"NCR, Circulars publication index. https://www.ncr.org.za/index.php/publications/circulars","Exact pinpoint: printed page and zero-based PDF index":"HTML entries through Aug 2026; PDF/page index not applicable","Edition, status, actual reading and limit":"Fresh current official index read. Title/index evidence only; no inference that unlisted material cannot exist. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S012","urls":["https://www.ncr.org.za/index.php/publications/guidelines"],"researcher_record":{"ID":"S012","Issuer, title and complete literal URL":"NCR, Guidelines publication index. https://www.ncr.org.za/index.php/publications/guidelines","Exact pinpoint: printed page and zero-based PDF index":"HTML lines listing 2018 fee guideline and newer guidelines; PDF index not applicable","Edition, status, actual reading and limit":"Fresh current official index read. Continued public posting, not legal-force certification. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S013","urls":["https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf"],"researcher_record":{"ID":"S013","Issuer, title and complete literal URL":"NCR, Circular 04 of 2026 — Call for Written Comments on Credit Industry Codes of Conduct, Jul 2026. https://www.ncr.org.za/documents/Circulars/2026/Circular%2004%20of%202026-Call%20for%20comments.pdf","Exact pinpoint: printed page and zero-based PDF index":"Voluntary-code description/purpose PDF P0/printed p1; comment process P1/printed p2","Edition, status, actual reading and limit":"Fresh full body/images read. Separate consultation, not debt-counsellor fee revision. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S014","urls":["https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf"],"researcher_record":{"ID":"S014","Issuer, title and complete literal URL":"NCR, Debt Counsellors’ Code of Conduct for Debt Review, effective 1 May 2013. https://www.ncr.org.za/documents/Circulars/2026/Annexure%20A-DCs%20Code%20of%20Conduct.pdf","Exact pinpoint: printed page and zero-based PDF index":"Subscriber commitments PDF P1/printed p2; commencement/definitions P4/printed p5","Edition, status, actual reading and limit":"Fresh relevant body/images read. Subscriber/voluntary-code evidence, not universal fee-condition incorporation. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S015","urls":["https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf"],"researcher_record":{"ID":"S015","Issuer, title and complete literal URL":"NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Contact Information, Sep 2025. https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf","Exact pinpoint: printed page and zero-based PDF index":"§4.2–4.3 and quoted generic condition PDF P1/printed p2","Edition, status, actual reading and limit":"Fresh parsed body read; screenshot endpoint was blocked by a verification page. Used only for quoted contact condition, not a fee clause. \nNCR\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S016","urls":["https://ncr.org.za/register_of_registrants/registered_dc.php"],"researcher_record":{"ID":"S016","Issuer, title and complete literal URL":"NCR, public Debt Counsellors register page. https://ncr.org.za/register_of_registrants/registered_dc.php","Exact pinpoint: printed page and zero-based PDF index":"Generic note at HTML line 148; PDF index not applicable","Edition, status, actual reading and limit":"Fresh generic page read; no named registrant searched. Says conditions may be obtained by written request. No request made. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S017","urls":["https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf"],"researcher_record":{"ID":"S017","Issuer, title and complete literal URL":"NCR, Debt Counselling Fee Guidelines, effective 1 Aug 2011. https://ncr.org.za/documents/pages/registration%26compliance/debt_counsellors/Updated%20Fee%20Guidelines%20for%20Debt%20Counsellors.pdf","Exact pinpoint: printed page and zero-based PDF index":"Refund/withdrawal/effective date PDF P0; information sheet P1","Edition, status, actual reading and limit":"Fresh relevant body read. Historical guideline; not certified current after 2018. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S018","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf"],"researcher_record":{"ID":"S018","Issuer, title and complete literal URL":"dti/Government Gazette, Debt Counselling Fee Guidelines, Notice 224 of 2011, GG34209. https://www.gov.za/sites/default/files/gcis_document/201409/34209gen224.pdf","Exact pinpoint: printed page and zero-based PDF index":"Notice PDF P0/GG p3; guideline P1/GG p4","Edition, status, actual reading and limit":"Precisely attributable P05 source and fresh official-search discovery. Historical consultation/endorsement context, not current law. \nSouth African Government\n+1"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S019","urls":["https://www.gov.za/sites/default/files/gcis_document/201709/41100gen705.pdf"],"researcher_record":{"ID":"S019","Issuer, title and complete literal URL":"dti/Government Gazette, Recommended Debt Counselling Fee Structure: Request for Comments, Notice 705 of 2017, GG41100. https://www.gov.za/sites/default/files/gcis_document/201709/41100gen705.pdf","Exact pinpoint: printed page and zero-based PDF index":"Consultation notice P0/GG p270; tables P1–P2/GG pp271–272","Edition, status, actual reading and limit":"P05 reviewed body; P07 freshly opened official metadata page. Proposal only. \nSouth African Government"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S020","urls":["https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf"],"researcher_record":{"ID":"S020","Issuer, title and complete literal URL":"NCR, Fee Guideline and Schedule Pursuant to Regulation 19(13), 01/2024. https://www.ncr.org.za/phocadownload/3_GUIDELINE%201%202024%20MARCH%20FEE%20GUIDELINE.pdf","Exact pinpoint: printed page and zero-based PDF index":"Scope/actors PDF P1–P3; effective clause P4","Edition, status, actual reading and limit":"Fresh body read. SACRRA/data-reporting fees; excluded as ordinary debt-counsellor fee authority. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S021","urls":["https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf"],"researcher_record":{"ID":"S021","Issuer, title and complete literal URL":"NCR, Amendment to Guideline for Submission of Credit Information, 02/2024. https://www.ncr.org.za/phocadownload/4_GUIDELINE%202%202024%20MARCH%20AMENDMENT.pdf","Exact pinpoint: printed page and zero-based PDF index":"Scope/definitions PDF P1–P3; effective clause P6","Edition, status, actual reading and limit":"Fresh body read. Credit-information reporting, not debt-counsellor fee adoption. \nNCR"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S022","urls":["https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited"],"researcher_record":{"ID":"S022","Issuer, title and complete literal URL":"South African Government, National Credit Act: Regulations: Debt Counselling Fee Structure: Comments Invited. https://www.gov.za/documents/notices/national-credit-act-regulations-debt-counselling-fee-structure-comments-invited","Exact pinpoint: printed page and zero-based PDF index":"HTML metadata and link to GG41100; no PDF index","Edition, status, actual reading and limit":"Fresh official metadata read. Confirms 2017 comments status, not a final regulation. \nSouth African Government"},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S023","urls":["https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/"],"researcher_record":{"ID":"S023","Issuer, title and complete literal URL":"dtic, Entity Annual Reports page. https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/","Exact pinpoint: printed page and zero-based PDF index":"Search metadata identified 2025/26 NCR listing; body fetch failed","Edition, status, actual reading and limit":"Fresh failed candidate. No 2025/26 report or fee finding adopted. \nTrade and Industry Dept."},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"source_id":"C_ZA-P07-S024","urls":["https://www.ncr.org.za/documents/"],"researcher_record":{"ID":"S024","Issuer, title and complete literal URL":"NCR documents root. https://www.ncr.org.za/documents/","Exact pinpoint: printed page and zero-based PDF index":"No body","Edition, status, actual reading and limit":"Precisely attributable P05 failure; not retried in P07. Functioning circular/guideline pages were used instead."},"raw_table_index":6,"coordinator_verification_status":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}}],"coverage":[{"topic":"G1-01 Identity of 001/2018","researcher_record":{"Row":"G1-01","Subquestion":"Identity of 001/2018","Status":"answered","Finding/claims":"NCR guideline dated 22 Feb 2018. C002","Missing body or exact next action":"None for identity"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-02 Was 001/2018 merely proposed?","researcher_record":{"Row":"G1-02","Subquestion":"Was 001/2018 merely proposed?","Status":"answered","Finding/claims":"Circular 01 says review completed and structure applicable 1 Apr 2018. C003","Missing body or exact next action":"None at NCR administrative level"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-03 2018 title/year inconsistency","researcher_record":{"Row":"G1-03","Subquestion":"2018 title/year inconsistency","Status":"answered","Finding/claims":"Header/body/index inconsistency preserved. C004","Missing body or exact next action":"No substantive inference"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-04 Ministerial §45(5)(c) authority","researcher_record":{"Row":"G1-04","Subquestion":"Ministerial §45(5)(c) authority","Status":"answered","Finding/claims":"Enabling power established. C001","Missing body or exact next action":"Exercise of power separate"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-05 Final Ministerial fee instrument","researcher_record":{"Row":"G1-05","Subquestion":"Final Ministerial fee instrument","Status":"unresolved","Finding/claims":"None established in bounded official search. C015","Missing body or exact next action":"Locate Gazette/Ministerial instrument with effective clause"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-06 Present public posting of 001/2018","researcher_record":{"Row":"G1-06","Subquestion":"Present public posting of 001/2018","Status":"answered","Finding/claims":"Current NCR Guidelines page links it. C005","Missing body or exact next action":"Posting does not resolve force"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-07 October 2024 review status","researcher_record":{"Row":"G1-07","Subquestion":"October 2024 review status","Status":"answered","Finding/claims":"Terms awaiting approval; work to commence. C006","Missing body or exact next action":"Later result needed"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-08 October 2025 review status","researcher_record":{"Row":"G1-08","Subquestion":"October 2025 review status","Status":"answered","Finding/claims":"Position paper circulating; work ongoing. C007","Missing body or exact next action":"Final approval/publication needed"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-09 Post-Oct2025 final review outcome","researcher_record":{"Row":"G1-09","Subquestion":"Post-Oct2025 final review outcome","Status":"unresolved","Finding/claims":"Current index has no titled final replacement. C008, C036","Missing body or exact next action":"Obtain final position/revised guideline if issued"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-10 Circular-index completeness","researcher_record":{"Row":"G1-10","Subquestion":"Circular-index completeness","Status":"partial","Finding/claims":"Read through Aug 2026 entries. C008","Missing body or exact next action":"Index may omit/unlabel material"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-11 Guidelines-index completeness","researcher_record":{"Row":"G1-11","Subquestion":"Guidelines-index completeness","Status":"partial","Finding/claims":"2018 guideline remains listed. C005, C029","Missing body or exact next action":"Index is publication evidence, not exhaustive law register"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-12 2026 code-review relevance","researcher_record":{"Row":"G1-12","Subquestion":"2026 code-review relevance","Status":"answered","Finding/claims":"Separate voluntary-code consultation. C009–C010","Missing body or exact next action":"Do not use as fee revision"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-13 Generic registration conditions exist","researcher_record":{"Row":"G1-13","Subquestion":"Generic registration conditions exist","Status":"answered","Finding/claims":"September 2025 guideline quotes one; register page notes availability. C011","Missing body or exact next action":"Full conditions not public in evidence"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-14 Fee-guideline incorporation in conditions","researcher_record":{"Row":"G1-14","Subquestion":"Fee-guideline incorporation in conditions","Status":"unresolved","Finding/claims":"No exact fee clause obtained. C011, C016","Missing body or exact next action":"Obtain published complete generic condition or official incorporating instrument"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-15 Regulator compliance practice","researcher_record":{"Row":"G1-15","Subquestion":"Regulator compliance practice","Status":"answered as practice","Finding/claims":"Annual report treats fee-guideline noncompliance as contravention. C012–C013","Missing body or exact next action":"Legal/remedial consequences separate"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-16 Private right from compliance practice","researcher_record":{"Row":"G1-16","Subquestion":"Private right from compliance practice","Status":"unresolved","Finding/claims":"No universal private remedy established. C016, C030, C033","Missing body or exact next action":"Dedicated remedies/contracts analysis"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-17 Schedule 2 annual inflation implementation","researcher_record":{"Row":"G1-17","Subquestion":"Schedule 2 annual inflation implementation","Status":"unresolved","Finding/claims":"Clause verified; current amount mechanics absent. C017–C018","Missing body or exact next action":"Find annual adjustment source/calculation methodology"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G1-18 Full 2026 fee-source certification","researcher_record":{"Row":"G1-18","Subquestion":"Full 2026 fee-source certification","Status":"unresolved","Finding/claims":"Bounded currentness only. C015, C018, C036","Missing body or exact next action":"Independent complete Gazette/condition review"},"raw_table_index":9,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-01 R50 application amount","researcher_record":{"Row":"G2-01","Category":"R50 application amount","Status":"partial","Finding/claims":"Printed in Schedule 2, repeated later. C017","Missing body or fact":"Inflation-adjusted 2026 amount"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-02 R300 administration","researcher_record":{"Row":"G2-02","Category":"R300 administration","Status":"partial","Finding/claims":"2018 administrative guideline; no replacement found. C019","Missing body or fact":"Ministerial/condition incorporation"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-03 R8,000 single restructuring","researcher_record":{"Row":"G2-03","Category":"R8,000 single restructuring","Status":"partial","Finding/claims":"Dated guideline formula retained. C020","Missing body or fact":"Final review/current condition"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-04 R9,000 joint restructuring","researcher_record":{"Row":"G2-04","Category":"R9,000 joint restructuring","Status":"partial","Finding/claims":"Dated guideline formula retained. C020","Missing body or fact":"Final review and actual joint predicate"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-05 Restructuring earning stage","researcher_record":{"Row":"G2-05","Category":"Restructuring earning stage","Status":"partial","Finding/claims":"Drafting/submission predicate retained. C020","Missing body or fact":"Actual work evidence/current incorporated rule"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-06 Reckless R1,500","researcher_record":{"Row":"G2-06","Category":"Reckless R1,500","Status":"partial/adverse","Finding/claims":"Later NCR practice treats charging as contravention. C023–C025, C032","Missing body or fact":"Formal final withdrawal/transition"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-07 Aftercare 5%/R450/service","researcher_record":{"Row":"G2-07","Category":"Aftercare 5%/R450/service","Status":"partial","Finding/claims":"P05 C015/S003 retained. C021","Missing body or fact":"Current binding source and service evidence"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-08 NCT submission R500","researcher_record":{"Row":"G2-08","Category":"NCT submission R500","Status":"partial","Finding/claims":"Dated guideline amount; filing separate. C022","Missing body or fact":"Current guideline and filing tariff"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-09 Attorney agreed fees","researcher_record":{"Row":"G2-09","Category":"Attorney agreed fees","Status":"partial boundary","Finding/claims":"Not converted to universal NCR amount. C022","Missing body or fact":"Contract/professional costs"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-10 60-business-day refund","researcher_record":{"Row":"G2-10","Category":"60-business-day refund","Status":"unresolved current status","Finding/claims":"Historical/proposed only. C026–C028","Missing body or fact":"Final adoption/current remedy"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-11 Historical 75% withdrawal","researcher_record":{"Row":"G2-11","Category":"Historical 75% withdrawal","Status":"excluded as current authority","Finding/claims":"2011 historical cell only. C027–C028","Missing body or fact":"Current express source"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G2-12 Whole current fee structure","researcher_record":{"Row":"G2-12","Category":"Whole current fee structure","Status":"partial","Finding/claims":"Latest posted guideline established, review ongoing. C029","Missing body or fact":"Final 2026 authority chain"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-01 Current circular page","researcher_record":{"Row":"G3-01","Audit issue":"Current circular page","Status":"answered as index","Finding/claims":"Entries read through Aug 2026. C008","Next action":"Open any future candidate body"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-02 Current guideline page","researcher_record":{"Row":"G3-02","Audit issue":"Current guideline page","Status":"answered as index","Finding/claims":"2018 guideline remains linked. C005","Next action":"Do not equate listing with force"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-03 Official Gazette fee search","researcher_record":{"Row":"G3-03","Audit issue":"Official Gazette fee search","Status":"partial","Finding/claims":"Consultation bodies found; no final Ministerial body established. C015","Next action":"Search complete Gazette register if available"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-04 §45(5)(c) search","researcher_record":{"Row":"G3-04","Audit issue":"§45(5)(c) search","Status":"answered for power","Finding/claims":"Act located. C001","Next action":"Implementing instrument unresolved"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-05 Generic conditions search","researcher_record":{"Row":"G3-05","Audit issue":"Generic conditions search","Status":"partial","Finding/claims":"One quoted condition; full conditions unavailable without request. C011","Next action":"No request permitted; retain gap"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-06 2024 similarly titled fee guidelines","researcher_record":{"Row":"G3-06","Audit issue":"2024 similarly titled fee guidelines","Status":"answered/excluded","Finding/claims":"Regulation 19(13) data-reporting fees. C008","Next action":"No debt-counsellor inference"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-07 2024/25 annual report","researcher_record":{"Row":"G3-07","Audit issue":"2024/25 annual report","Status":"answered as practice","Finding/claims":"Reckless and fee-guideline contraventions reported. C013–C014","Next action":"Do not convert to regulation"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-08 2025/26 annual report","researcher_record":{"Row":"G3-08","Audit issue":"2025/26 annual report","Status":"unresolved","Finding/claims":"Listing surfaced but body not obtained. C038","Next action":"Obtain direct official PDF in later pass"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-09 P05 failed NCR documents root","researcher_record":{"Row":"G3-09","Audit issue":"P05 failed NCR documents root","Status":"answered as provenance","Finding/claims":"Not retried; different official routes used.","Next action":"None"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-10 Search-result/snippet treatment","researcher_record":{"Row":"G3-10","Audit issue":"Search-result/snippet treatment","Status":"answered","Finding/claims":"No snippet promoted over opened body.","Next action":"Continue same discipline"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-11 Named records or cases","researcher_record":{"Row":"G3-11","Audit issue":"Named records or cases","Status":"excluded_with_reason","Finding/claims":"No named search performed.","Next action":"Not required for this component"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G3-12 Exhaustive nonexistence claim","researcher_record":{"Row":"G3-12","Audit issue":"Exhaustive nonexistence claim","Status":"excluded_with_reason","Finding/claims":"Explicitly withheld. C015, C036","Next action":"Only authoritative complete register could support stronger result"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G4-01 New PDF without authority/effect","researcher_record":{"Row":"G4-01","Workflow":"New PDF without authority/effect","Status":"answered as classification","Finding/claims":"Title/year insufficient. C015–C016","Missing proof":"Final issuer/authority/effective clauses"},"raw_table_index":12,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G4-02 Generic condition incorporates guideline","researcher_record":{"Row":"G4-02","Workflow":"Generic condition incorporates guideline","Status":"answered conditionally","Finding/claims":"Express incorporation would strengthen registrant obligation; absent condition does not. C011, C016","Missing proof":"Complete conditions"},"raw_table_index":12,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G4-03 Reckless fee quoted after withdrawal intention","researcher_record":{"Row":"G4-03","Workflow":"Reckless fee quoted after withdrawal intention","Status":"answered conditionally","Finding/claims":"Later enforcement practice outweighs reliance on 2021 quote for publication safety. C023–C025, C032","Missing proof":"Final formal instrument"},"raw_table_index":12,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G4-04 Refund based on 2011/proposal","researcher_record":{"Row":"G4-04","Workflow":"Refund based on 2011/proposal","Status":"answered conditionally","Finding/claims":"No current entitlement proved. C026–C028","Missing proof":"Current rule/contract/remedy"},"raw_table_index":12,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-01 P05 C007","researcher_record":{"Row":"G5-01","Reviewed gap":"P05 C007","Status":"answered/narrowed","Finding":"Final administrative issuance, not Ministerial prescription. C034","Next action":"Preserve authority distinction"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-02 P05 C014","researcher_record":{"Row":"G5-02","Reviewed gap":"P05 C014","Status":"partial/narrowed","Finding":"NCR practice adverse to reckless fee. C023–C025","Next action":"Find formal final source"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-03 P05 C022","researcher_record":{"Row":"G5-03","Reviewed gap":"P05 C022","Status":"retained","Finding":"Refund remains proposal. C026–C028","Next action":"Final adoption body"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-04 P05 C026","researcher_record":{"Row":"G5-04","Reviewed gap":"P05 C026","Status":"answered/updated","Finding":"Review progressed but remained ongoing. C035","Next action":"Post-Oct2025 final result"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-05 P05 C030","researcher_record":{"Row":"G5-05","Reviewed gap":"P05 C030","Status":"retained with stronger support","Finding":"Current indexes searched. C036","Next action":"No nonexistence claim"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-06 P05 G1-05","researcher_record":{"Row":"G5-06","Reviewed gap":"P05 G1-05","Status":"partial","Finding":"Conditions exist; fee clause missing. C011","Next action":"Complete generic conditions"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-07 P05 G1-15","researcher_record":{"Row":"G5-07","Reviewed gap":"P05 G1-15","Status":"unresolved","Finding":"No final replacement established. C007–C008","Next action":"Final revised guideline"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-08 P05 G2-08","researcher_record":{"Row":"G5-08","Reviewed gap":"P05 G2-08","Status":"partial","Finding":"Regulator practice clarified; formal status held. C024–C025","Next action":"Withdrawal/adoption instrument"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-09 P05 G2-19","researcher_record":{"Row":"G5-09","Reviewed gap":"P05 G2-19","Status":"unresolved","Finding":"Current refund result still absent. C028","Next action":"Final refund authority"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"G5-10 P04/P05/P06 provenance","researcher_record":{"Row":"G5-10","Reviewed gap":"P04/P05/P06 provenance","Status":"answered as scope","Finding":"P04/P05 preserved; P06 not adopted. C037","Next action":"Separate P06 review"},"raw_table_index":13,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D01 Whole provider-perimeter","researcher_record":{"Row":"D01","Deferred family":"Whole provider-perimeter","Status":"excluded_with_reason","Exact hold":"Preserve P01 actor/licensing findings and gaps"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D02 Private voluntary negotiator charges","researcher_record":{"Row":"D02","Deferred family":"Private voluntary negotiator charges","Status":"excluded_with_reason","Exact hold":"001/2018 cannot be transferred to unrelated private services"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D03 Full service contracts and disclosures","researcher_record":{"Row":"D03","Deferred family":"Full service contracts and disclosures","Status":"excluded_with_reason","Exact hold":"Actual terms unavailable; separate contract law"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D04 CPA, distance contracts and generic cancellation","researcher_record":{"Row":"D04","Deferred family":"CPA, distance contracts and generic cancellation","Status":"excluded_with_reason","Exact hold":"No broad cancellation conclusion from fee guidance"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D05 Private refund, restitution, damages and voidness","researcher_record":{"Row":"D05","Deferred family":"Private refund, restitution, damages and voidness","Status":"excluded_with_reason","Exact hold":"Registration practice is not automatic private remedy"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D06 Regulatory complaints and sanctions","researcher_record":{"Row":"D06","Deferred family":"Regulatory complaints and sanctions","Status":"excluded_with_reason","Exact hold":"No procedure invoked or case researched"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D07 PDA, trust, client money and distribution","researcher_record":{"Row":"D07","Deferred family":"PDA, trust, client money and distribution","Status":"excluded_with_reason","Exact hold":"P06 awaits review and is not adopted"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D08 VAT and tax","researcher_record":{"Row":"D08","Deferred family":"VAT and tax","Status":"excluded_with_reason","Exact hold":"No current VAT-rate/invoice conclusion"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D09 Creditor-side collection tariff","researcher_record":{"Row":"D09","Deferred family":"Creditor-side collection tariff","Status":"excluded_with_reason","Exact hold":"Preserve P01 C027; separate actor"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D10 NCR registration, renewal and levies","researcher_record":{"Row":"D10","Deferred family":"NCR registration, renewal and levies","Status":"excluded_with_reason","Exact hold":"Preserve P01 C025/C049; not consumer service price"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D11 Attorney professional fees and court costs","researcher_record":{"Row":"D11","Deferred family":"Attorney professional fees and court costs","Status":"excluded_with_reason","Exact hold":"Only boundary stated; full legal-cost regime held"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D12 2019 debt intervention","researcher_record":{"Row":"D12","Deferred family":"2019 debt intervention","Status":"excluded_with_reason","Exact hold":"P02/P03 commencement and implementation holds unchanged"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D13 Administration orders, sequestration, insolvency and rescue","researcher_record":{"Row":"D13","Deferred family":"Administration orders, sequestration, insolvency and rescue","Status":"excluded_with_reason","Exact hold":"Separate statutory actors/processes"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D14 Credit-product/debt-type coverage","researcher_record":{"Row":"D14","Deferred family":"Credit-product/debt-type coverage","Status":"excluded_with_reason","Exact hold":"No product classification rerun"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D15 Debt collection, validation and disputes","researcher_record":{"Row":"D15","Deferred family":"Debt collection, validation and disputes","Status":"excluded_with_reason","Exact hold":"Separate creditor/collector rules"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D16 Prescription, limitation and revival","researcher_record":{"Row":"D16","Deferred family":"Prescription, limitation and revival","Status":"excluded_with_reason","Exact hold":"Separate statutory analysis"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D17 Credit reporting and clearance","researcher_record":{"Row":"D17","Deferred family":"Credit reporting and clearance","Status":"excluded_with_reason","Exact hold":"Reporting guidance not fee authority"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D18 Court/NCT procedure, filing and enforcement","researcher_record":{"Row":"D18","Deferred family":"Court/NCT procedure, filing and enforcement","Status":"excluded_with_reason","Exact hold":"NCT submission and filing kept separate"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D19 Security, mortgage and repossession","researcher_record":{"Row":"D19","Deferred family":"Security, mortgage and repossession","Status":"excluded_with_reason","Exact hold":"Fee issue does not decide security rights"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D20 Tax, fines, maintenance, public and priority debts","researcher_record":{"Row":"D20","Deferred family":"Tax, fines, maintenance, public and priority debts","Status":"excluded_with_reason","Exact hold":"Sector-specific law held"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D21 Foreign law, remote providers and recognition","researcher_record":{"Row":"D21","Deferred family":"Foreign law, remote providers and recognition","Status":"excluded_with_reason","Exact hold":"A098 held"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D22 Complete consolidated 2026 NCA/regulation audit","researcher_record":{"Row":"D22","Deferred family":"Complete consolidated 2026 NCA/regulation audit","Status":"excluded_with_reason","Exact hold":"P07 performed only bounded fee-chain research"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D23 Municipalities, local forums and sector practice","researcher_record":{"Row":"D23","Deferred family":"Municipalities, local forums and sector practice","Status":"excluded_with_reason","Exact hold":"No local rule examined"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D24 Whole South African country acceptance and A097","researcher_record":{"Row":"D24","Deferred family":"Whole South African country acceptance and A097","Status":"excluded_with_reason","Exact hold":"No country acceptance"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"D25 A098 cross-border acceptance","researcher_record":{"Row":"D25","Deferred family":"A098 cross-border acceptance","Status":"excluded_with_reason","Exact hold":"No acceptance"},"raw_table_index":14,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T01 Eastern Cape","researcher_record":{"Row":"T01","Province":"Eastern Cape","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T02 Free State","researcher_record":{"Row":"T02","Province":"Free State","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T03 Gauteng","researcher_record":{"Row":"T03","Province":"Gauteng","Status":"unresolved","Exact retained gap":"National NCR practice is not all-local clearance"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T04 KwaZulu-Natal","researcher_record":{"Row":"T04","Province":"KwaZulu-Natal","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T05 Limpopo","researcher_record":{"Row":"T05","Province":"Limpopo","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T06 Mpumalanga","researcher_record":{"Row":"T06","Province":"Mpumalanga","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T07 Northern Cape","researcher_record":{"Row":"T07","Province":"Northern Cape","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T08 North West","researcher_record":{"Row":"T08","Province":"North West","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}},{"topic":"T09 Western Cape","researcher_record":{"Row":"T09","Province":"Western Cape","Status":"unresolved","Exact retained gap":"No province/local fee body examined"},"raw_table_index":15,"coordinator_acceptance":"scoped_review_with_bounded_consistency_repairs_and_holds","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Same coordinator whole-report/table review plus10 selectedfresh source/status checks; notindependent/allsource. Four bounded consistency repairs pending originalchatP09. Currentfee/private/province/country held.","coordinator_label_before_review_reconciliation":"awaiting_first_scoped_review","coordinator_review_scope":"See actual review/source-check files; this status is not whole-law/source/body acceptance.","coordinator_correction_resolution":{"at":"2026-10-27T03:32:02.549131+00:00","review":"[internal evidence reference]","status":"fourP07boundedconsistencyrepairsaddressed;substantiveholdsretained"}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_ZA-P07-bounded-consistency-repairs-20261027","status":"four_bounded_consistency_repairs_addressed_by_reviewedP09_with_holds","at":"2026-10-27T03:23:16.400703+00:00"}]}