The National Credit Regulator must—
| (1) | perform a review of interest rates and cost factors at intervals of no more than 3 years and advise the Minister of any changes that may be required; |
| (2) | when making a recommendation to the Minister in terms of this regulation, consider |
| (a) | ruling interest rates and fees; |
| (b) | cost of providing such credit; |
| (c) | the choice available to consumers in the particular category of credit agreements, between different products and different credit providers; and |
| (d) | the impact upon access to finance for persons referred to in section 13(a) of the Act. |
