Consumers have the right to:
- Apply for credit
- Request reasons for credit being refused
- Credit providers may refuse credit:
- The refusal must be based on reasonable commercial grounds
- Consumer has the right to request reasons for the decline
- Credit provider must provide the dominant reason for the decline in writing (with credit bureau details if decline was a result of a failed score)
- Credit providers may refuse credit:
Consumers have the right to:
- Protection against discrimination
- Credit providers may not discriminate against any applicant on the grounds set out in Section 9(3) of the Constitution including:
- Race, colour, ethnic or social origin, culture, language or birth
- Gender or sexual orientation
- Marital status, age or disability
- Religion or beliefs
- Credit providers may not discriminate against any applicant on the grounds set out in Section 9(3) of the Constitution including:
Consumers right to receive documents:
- All required documents must be delivered to the consumer
- In the prescribed manner
- Via more than one of the following mechanisms:
- In person at the credit provider’s business premises
- At any location chosen by the consumer
- Ordinary mail
- Fax
- Printable web page
Consumers right to receive documents:
- Original copy of documents
- At no charge
- On written request:
- Within 1 year; single replacement copy without charge
- Any other replacement copy, subject to regulated search and production fees
To confidentiality:
- Consumers have a right to the confidentiality of their information being protected by anyone who:
- Receives, complies, retains or reports on it
- Information can only be used
- For purposes as permitted or required by the Act
- Information can only be released
- To the consumer
- To another person (3rd party); if directed by the consumer, Tribunal and if permitted by the Act.