FINES: ¿PRIMACÍA DE LOS ACCIONISTAS O EQUILIBRIO DE LOS GRUPOS DE INTERÉS?

Statutes

Alienation of Land Act 68 of 1981. Banks Act 94 of 1990.

Cape Usury Act 23 of 1908.

Constitution of the Republic of South Africa Act 200 of 1993. Constitution of the Republic of South Africa Act 108 of 1996. Consumer Affairs (Unfair Business Practices) Act 7 of 1996. Credit Agreements Act 75 of 1980.

Hire-Purchase Act 36 of 1942 Interpretation Act 33 of 1957.

Limitation and Disclosure of Finance Charges Act 73 of 1968. Maintenance and Promotion of Competition Act 96 of 1979. National Credit Act 34 of 2005.

OVS Wetboek, 1854–1891.

Prescribed Rate of Interest Act 55 of 1975.

Promotion of Administrative Justice Act 3 of 2000. Sale of Land on Instalments Act 72 of 1971.

The Constitution of the Republic of South Africa, 1996. Trade Practices Act 76 of 1976.

Usury Act 37 of 1926. Usury Act 73 of 1968.

Usury Amendment Act 100 of 1988. Usury Amendment Act 91 of 1989.

Department of Trade and Industry Exemption in terms of Section 15A of the Usury

Act, 1968, GN 2726, Government Gazette 19457, 13 November 1998.

Draft Consumer Protection Bill, GN R418, Government Gazette 28629, 15 March

2006.

Draft National Credit Regulations, GN R307, Government Gazette 28531, 20

February 2006.

Draft National Credit Regulations, GN1388, 2006 Government Gazette 29246, 21

September 2006.

GN 1418 of 27 June 1989, as amended by GN 1711 of 4 August 1989. GN 2262 of 4 November 1988, as amended by GN 1697 of 1 August 1989. GN R3162 and 3163 of 20 November 1992.

National Credit Act (34/2005): Determination of Thresholds, GN713, 2006, Government Gazette 28893, 1 June 2006.

National Credit Act (34/2005): Regulations, R489 Government Gazette 28864, 31

May 2006.

Notice in terms of Government Notice (No 713 of 1 June 1999), GN 911, Government Gazette 20307, 16 July 1999.

Notice in terms of Section 15A of the Usury Act 73 of 1968, GN R3451, Government Gazette 14498, 31 December 1992.

Notice in terms of Section 15A of the Usury Act 73 of 1968, GN R713, Government Gazette 20145, 1 June 1999.

Notice in terms of Section 15A of the Usury Act, 1968, GN 1407, Government

Gazette 27889, 8 August 2005.

Notice of intention to repeal the Notice whereby moneylending transactions not

exceeding R6 000 are exempted from the Act, GN 1183, Government Gazette

15836, 30 June 1994.

Notice to repeal Notice 713 of 1 June 1999, GN 1406, Government Gazette 27889, 8 August 2005.

Proclamation No. 22, Commencement of the National Credit Act 34 of 2005, Government Gazette 28824, 11 May 2006.

Usury Act 73 of 1968 Annual Finance Charge Rate, GN 1100, Government Gazette

26809, 17 September 2004.

Betty Wilkinson and Patrick Meagher “Filling the Gap in South Africa’s Small and Micro Credit Market: An Analysis of Major Policy, Legal and Regulatory Issues” http://www.mfrc.co.za/detail.php?s=1 (accessed 14 March 2006).

Black Sash “Submission on Interest Rate Study to the Department of Trade and Industry”, dated July 2000 (unpublished) 5.

Business Report 23 February 2006 “State proposes cap on microlenders’ loan rates” http://www.businessday.co.za/home.aspx?Page=BD4P1236&MenuItem=BD4P1 236 (accessed 23 February 2006).

Department of Trade and Industry “Consumer Alert”

http://www.dti.gov.za/ccrd/YouhavetheRighttoCreditOptions.htm (accessed 17 October 2006).

Department of Trade and Industry “Consumer Credit Law Reform: Policy Framework for Consumer Credit (August 2004)”

http://www.thedti.gov.za/ccrdlawreview/policyjune2005.pdf (accessed 14 March 2006).

Department of Trade and Industry “Credit Law Review: setting the scene”

http://www.thedti.gov.za/ccrdlawreview/research.htm (accessed 14 March 2006). Department of Trade and Industry “Draft Consumer Protection Bill”

http://www.thedti.gov.za/ (accessed 14 March 2006).

Department of Trade and Industry “What are a consumer’s rights and obligations?”

http://www.thedti.gov.za/protectingconsumers/consumerrights.htm (accessed March

2006).

Dr P Hawkins “The cost, volume and allocation of consumer credit in South Africa”

http://www.thedti.gov.za/ccrdlawreview/forward.htm (accessed 14 March 2006). Ebony Consulting International “Analysis on the Application of Borrowed Funds” Final Report to the Micro-finance Regulatory Council, dated April 2003 (unpublished) 14, based upon Statistics South Africa’s Income and Expenditure Survey of 2000.

Ebony Consulting International “DTI Interest Rate Study”

http://www.mfrc.co.za/detail.php?s=12 (accessed 14 March 2006).

ECI Africa “Industry strategy to address HIV/AIDS – a strategy document submitted to the MFRC (June 2005)” http://www.mfrc.co.za/files/mfrc_hiv_aids_report_final.pdf

(accessed 18 March 2006).

ECI Africa “The effect of HIV/AIDS on the Micro-finance Sector in South Africa and Implications for the MFRC” http://www.mfrc.co.za/files/mfrc_hiv_aids_report_final.pdf

(accessed 18 March 2006).

Gary A Dymski “Interest rates, credit structures and usury in emerging markets” http://www.thedti.gov.za/ccrdlawreview/Usury.pdf (accessed 14 March 2006).

Hofmeyer, Herbstein and Gihwala Inc “Report for the Credit Law Review”

http://www.thedti.gov.za/ccrdlawreview/forward.htm (accessed 14 March 2006). Human Sciences Research Council “Household indebtedness in South Africa in 1995 and 2000” http://www.mfrc.co.za/files/household_indebtness.pdf (accessed 14 March 2006).

John Aitchison and Anne Harley “South African Illiteracy Statistics and the Case of the Magically Growing Number of Literacy and ABET Learners” (September 2004) http://www.ukzn.ac.za/cae/caepubs.htm (accessed 18 September 2006).

Law Review Project: “Comment on the National Credit Bill”, July 2005 (unpublished). MFRC “Report on Impact of Credit and Indebtedness of Clients” (unpublished). MFRC Submission to the Portfolio Committee on Indebtedness dated 17 June 2003 (unpublished).

Micro-finance Regulatory Council “Micro-lending industry overview May 2006 quarter” http://www.mfrc.co.za/detail.php?s=91 (accessed 13 October 2006).

Micro-finance Regulatory Council “Review of the regulatory environment for small loans and consumer credit in South Africa” http://www.mfrc.co.za/detail.php?s=1 (accessed 14 March 2006).

http://www.mfrc.co.za/files/submission_on_indebtedness.pdf (accessed 14 March 2006).

Minister of Trade and Industry, Mr Mandisi Mpahlwa “New era for South African credit consumers” http://www.ncr.org.za/press_release/New%20era.pdf (accessed 9 November 2006).

Patrick Meagher “Regulation of payday lenders in the United States”

http://www.thedti.gov.za/ccrdlawreview/forward.htm (accessed 14 March 2006).

Reality research Africa “Credit contract disclosure and associated factors”

http://www.thedti.gov.za/ccrdlawreview/forward.htm (accessed 14 March 2006). Rudo Research and Training and AfriData Research “A Market Research Report: Credit Law Review” http://www.thedti.gov.za/ccrdlawreview/forward.htm (accessed 14 March 2006).

South African Reserve Bank home page http://www.reservebank.co.za/ (accessed 23 March 2006).

Submission by the Free Market Foundation of Southern Africa to the Portfolio Committee on Trade and Industry regarding the National Credit Bill [B18-2005], 19 August 2005 (unpublished).

The Technical Committee, Department of Trade and Industry “Credit Law Review, August 2003: Summary of Findings”

http://www.thedti.gov.za/ccrdlawreview/forward.htm (accessed 14 March 2006). Trade and Industry Portfolio Committee meeting (24 March 2005) “National Credit Regulations: briefing” http://www.pmg.org.za/viewminute.php?id=7375 (accessed 25 October 2006).

Trade and Industry Portfolio Committee meeting (16 August 2006) “National Credit Regulations and National Credit Regulator: briefing”