The National Credit Regulator (NCR) have a committee made up of Debt Counsellors, Credit Providers and others who meet from time to time to talk about things that are not clearly covered or easily understood in the National Credit Act.
This group is called the Credit Industry Forum or CIF.
Over the years this group has helped the NCR understand what the industry thinks about certain topics. Then the NCR has issued non binding guidelines to the industry aimed at bringing uniformity and greater cooperation.