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The collapse of the proposed Bidvest Bank-Access Bank transaction underscores a blunt truth: cross-border acquisitions of South African banks live or die on the acquirer's ability to satisfy an exacting...

The National Bank of Rwanda ("BNR") has published Regulation n° 55/2022 of 27/10/2022 to financial service consumer protection to implement the Law no 017/2021 of 03/03/2021...

Insurance regulation as we know it will change – some say for the better, others are not so sure.

The next few months are going to be very busy for retirement funds and their administrators. This is because the new tax rules regarding the annuitisation of provident funds...

You have heard many say, "cash is king" or "cash is the lifeblood of every business. This is true. I cannot imagine a cashless business surviving.

*Coronavirus (COVID-19) regulatory measures...

Foreclosure on a primary residence is one of the most emotionally and economically devastating events that a debtor can face.

The reportable arrangement provisions are set out in sections 34 to 39 of the Tax Administration Act ("TAA"). In terms of section 37(1) of the TAA.

Although the financial services industry does not emit any carbon itself, or does so in very small quantities, the introduction of the carbon tax will continue to play a role in the growth...

Below are some of the main legal considerations to bear in mind when transacting with South African public entities.

A new "Uniform Banking Law" ("Loi Bancaire Uniforme") ("Uniform Banking Law") has been adopted to unify banking law by the Monetary Union ("Union Monétaire Ouest Africaine") ("UMOA")...

In many cases, sales of immovable property are subject to conditions relating to bond financing or the sale of another property. These are conditions precedents to the sale.

A South African court examines whether an acknowledgement of debt containing specific payment terms qualifies as a promissory note under the Bills of Exchange Act, determining the applicable prescription period for debt recovery. The case turns on statutory interpretation of negotiable instruments and the distinction between mere acknowledgements and unconditional promises to pay.

The South African Reserve Bank's Cash Smart Strategy challenges the assumption that digital payments will replace cash, instead proposing a hybrid system where both coexist. As digital infrastructure expands unevenly across South Africa's diverse economic landscape, the strategy addresses how to maintain affordable and accessible cash while modernizing payment systems, raising critical questions about financial inclusion, regulatory oversight, and the future of payment infrastructure in emerging markets.

The lockdown regulations, as amended on 2,16 and 20 April 2020, designate which financial services businesses are "essential services", permitted to operate from places of business during...

The shadow of the traditional banking system has lengthened in recent years as the golden sun of profit past is forced to the horizon by the weight of greater regulatory burden.

On 14 August 2025, the Financial Sector Conduct Authority ("FSCA") published Conduct Standard 3 of 2025 ("CIS") – "Requirements for Managers of Collective Investment Schemes" ("CS 3"), mandating that all CIS Managers in South Africa must be able to evidence full compliance by August 2026.