No data available for the deliverable: Improving credit information and reporting through national credit bureau and data-sharing reforms.
Summary
The reform includes developing a public credit registry, new data-sharing protocols and a business credit reporting ecosystem for MSMEs. It may require regulatory changes over the short term and legislative changes over the long term to accommodate credit data for micro, small and medium enterprises (MSMEs).
View DetailsIs it working?
The reform is advancing, with tangible improvements in data quality and access, but more work is needed for comprehensive coverage. The public credit registry is expected to be fully operational by 2027.
Actions
System upgrades are progressing, but full coverage and integration has not yet been achieved.
Are there plans?
Regulatory changes are under way, with industry collaboration and pilot projects for MSME credit reporting.
Is it on the agenda?
The NCR, National Treasury and FSCA have made this a strategic priority, with clear timelines for implementation.
Goals
To improve the quality, coverage, and accessibility of credit data, supporting responsible lending and financial inclusion.
Departments / Govt Institutions
Financial Sector Conduct Authority (FSCA) National Treasury South African Reserve Bank (SARB)
Summary
The reform includes developing a public credit registry, new data-sharing protocols and a business credit reporting ecosystem for MSMEs. It may require regulatory changes over the short term and legislative changes over the long term to accommodate credit data for micro, small and medium enterprises (MSMEs).
View DetailsIs it working?
The reform is advancing, with tangible improvements in data quality and access, but more work is needed for comprehensive coverage. The public credit registry is expected to be fully operational by 2027.
Actions
System upgrades are progressing, but full coverage and integration has not yet been achieved.
Are there plans?
Regulatory changes are under way, with industry collaboration and pilot projects for MSME credit reporting.
Is it on the agenda?
The NCR, National Treasury and FSCA have made this a strategic priority, with clear timelines for implementation.
Goals
To improve the quality, coverage, and accessibility of credit data, supporting responsible lending and financial inclusion.
Departments / Govt Institutions
Financial Sector Conduct Authority (FSCA) National Treasury South African Reserve Bank (SARB)
Summary
The reform includes developing a public credit registry, new data-sharing protocols and a business credit reporting ecosystem for MSMEs. It may require regulatory changes over the short term and legislative changes over the long term to accommodate credit data for micro, small and medium enterprises (MSMEs). National Treasury, FSCA and SARB are improving credit information sharing protocols; bureau reforms are targeting inclusion, accurate reporting and consumer protection. There are updated protocols for credit information sharing, with a consumer protection focus; and bureau audit and reporting scheme were implemented in Q3-2025.
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Is it working?
The reform is advancing, with tangible improvements in data quality and access, but more work is needed for comprehensive coverage. The public credit registry is expected to be fully operational by 2027. The system is being recognised as a regional model with adoption continuing.
Actions
System upgrades are progressing, but full coverage and integration has not yet been achieved. Improvement in data reporting is notable; protection outcomes are being enhanced.
Are there plans?
Regulatory changes are under way, with industry collaboration and pilot projects for MSME credit reporting. These include the review of credit reporting standards, pilot bureau audits and consumer protection updates.
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Is it on the agenda?
The NCR, National Treasury and FSCA have made this a strategic priority, with clear timelines for implementation. This has become a regular feature in National Credit Regulator (NCR), FSCA, SARB and Cabinet plans.
Goals
To improve the quality, coverage and accessibility of credit data, supporting responsible lending and financial inclusion. The objective here is to strengthen credit reporting and bureau data-sharing standards.
Departments / Govt Institutions
Financial Sector Conduct Authority (FSCA) National Treasury South African Reserve Bank (SARB)
No data available for the deliverable: Improving credit information and reporting through national credit bureau and data-sharing reforms.
No data available for the deliverable: Improving credit information and reporting through national credit bureau and data-sharing reforms.
No data available for the deliverable: Improving credit information and reporting through national credit bureau and data-sharing reforms.
No data available for the deliverable: Improving credit information and reporting through national credit bureau and data-sharing reforms.