Our Regulatory Services

At Vorofin Regulatory Services (Pty) Ltd (“VOROFIN”), we offer end-to-end regulatory support tailored for South African small and medium-sized enterprises (SMEs), financial services providers, and other regulated businesses.

As an FSCA-approved compliance practice, we provide practical, cost-effective, and regulatory-aligned solutions that give you peace of mind while letting you focus on growing your business.


All our services include a Desktop Compliance Review – a fast, comprehensive, and confidential assessment of your current compliance status, policies, controls, and potential risk areas. This gives you immediate insight and a plan of action.

VOROFIN Regulatory Services

What We Offer

FAIS Act Compliance (Cat I & Cat II – Including Crypto FSPs - CASPs)

Whether you’re a financial adviser, asset manager, or crypto service provider, offering financial products, we offer:

  • Compliance Officer Services (Cat I & II)
  • Crypto Compliance Support
  • License Application Assistance (New FSPs, profile changes, extensions)
  • Essential FAIS-Aligned documents: Compliance Manual, Complaints Policy,
    Conflict of Interest Policy, Risk Management Plan, and more
  • Ongoing Monitoring & Reporting (FSCA and internal governance)
  • Regulatory and operational risk management assistance

We help new and existing FSPs to avoid pitfalls, maintain their licenses, and stay aligned with evolving legislation.

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FICA & Anti-Money Laundering (AML) Compliance

As an Accountable Institution, your obligations under FICA are non-negotiable. We help all businesses – including legal, accounting, estate agencies, FSPs and CASPs – to:

  • Register with the FIC (Accountable Institution onboarding)
  • Develop a Fully Compliant RMCP (Risk and Compliance Management Programme
  • Conduct Implementation Training for staff
  • Provide MLRO (Money Laundering Reporting Officer) Services
  • Ongoing Support for Monitoring & Reporting Obligations

Whether you’re building your programme or need to review your risks and controls – we offer strategic guidance to reduce your AML risk exposure.

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NCA Compliance (National Credit Act)

If you’re offering credit terms, loans, or finance solutions – even as an SME – NCA compliance applies. We assist with:

  • Registration as a Credit Provider with the National Credit Regulator (NCR)
  • Development of Internal Compliance Systems (credit assessments, affordability rules, documentation)
  • Consumer Disclosures & Contract Templates
  • Internal Staff Training
  • Complaint Handling & Dispute Resolution Process Alignment
  • FICA – refer to FICA services

Let us simplify your credit compliance while protecting your customers and your business from regulatory breaches.

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POPI Act Compliance Toolkit (3 Levels)

Protecting personal information isn’t optional. Our tiered POPIA Toolkit is designed to suit businesses of all sizes, including SMEs:

Awareness Toolkit

  • POPIA Quick Guide
  • Staff POPIA Awareness Presentation
  • Info Officer Appointment Pack

Standard Toolkit

  • Everything in Awareness Toolkit, PLUS:
  • POPIA Manual & Processing Register
  • Privacy & Cookie Policies
  • Website User agreement
  • Website Disclaimer
  • Consent and PAIA Request Forms

Enhanced Toolkit

  • Everything in Standard Toolkit, PLUS:
  • Full Policy Suite
  • Internal Training Session (virtual or in-person)
  • Annual Review & Gap Analysis

Whether you need basic compliance or an end-to-end framework, we’ve built this to scale with your SME or enterprise.

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PAIA Compliance Services

The Promotion of Access to Information Act (PAIA) requires many businesses to publish a PAIA Manual and respond to access requests. We offer:

  • Drafting and Submission of your PAIA Manual
  • Integration with your POPIA Requirements
  • Custom Templates aligned to your Industry
  • Desktop Review of any existing manual for gaps
  • Annual Report submission

Perfect for SMEs and businesses seeking to streamline compliance obligations.

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Consumer Protection Act (CPA) Compliance

Whether you’re selling goods online, running a brick-and-mortar business, or offering professional services, CPA compliance is vital. We assist SMEs with:

Basic CPA Compliance

  • Consumer Rights Awareness Training slides
  • Disclosure Templates for Products & Pricing
  • Website Terms of Sale & Returns Policies

Enhanced CPA Compliance

  • Contract Reviews for Fairness & Transparency
  • Complaints & Returns Process Development
  • Review of Marketing Materials
  • Consumer Dispute Management Procedures

Our CPA solutions are ideal for e-commerce, retailers, consultants, and service-based SMEs.

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Property Practitioners Act Compliance

If you operate in the real estate industry, compliance with the Property Practitioners Act is now mandatory. We help:

  • Develop your Compliance Framework & Procedures
  • Prepare your Disclosure Forms, Trust Account Management, and Training Requirements
  • Draft essential policies aligned with the Act
  • Conduct Desktop Reviews of your systems for compliance gaps

Tailored for agencies of all sizes – from one-person startups to established firms.

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Desktop Compliance Review (Included in All Services)

Our Desktop Review includes:

  • Review of current documentation, policies, and controls
  • Identification of gaps, risks, and regulatory misalignment
  • Short diagnostic report with action steps
  • 30-minute consult to discuss outcomes and solutions

It’s the easiest way to start your compliance journey or stress-test your current systems.

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Compliance Software (That Simplifies Oversight)

Our Regulatory Compliance Software is purpose-built to help you manage your obligations under the FAIS Act, FIC Act, and the soon-to-be-enacted COFI Bill, all from one powerful platform.

We help:

  • Deploy intelligent compliance software that tracks, monitors, and aligns your operations with FAIS, FIC Act, and the incoming COFI Bill

  • Automate Gap Analysis across internal policies, conduct standards, and governance frameworks

  • Integrate modules to manage client complaints, compliments, and Treating Customers Fairly (TCF) outcomes from one central platform

  • Visualise compliance performance through real-time, data-driven dashboards for better decision-making and FSCA reporting

  • Operate the system either in-house or via our outsourced Compliance Division for full flexibility and independent assurance

Ideal for financial service providers seeking a scalable solution that drives accountability, audit readiness, and continuous improvement.

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Exceeding compliance expectations every day.

At VOROFIN, we go above and beyond to ensure that every aspect of compliance in your bussiness is not just met but exceeded. Our dedication to excellence ensures trust and confidence in our clients' operations.

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Frequently Asked Service Questions

Your most frequent questions on Vorofin services:

Implementation is at the heart of our service, as we:

  • Draft policies, registers, and procedures.
  • Provide staff training and awareness materials.
  • Assist with integrating controls into workflows (e.g., onboarding, record retention, reporting).

Support you in setting up monitoring and review processes to keep compliance effective and sustainable

Our approach to FAIS compliance service covers:

  • License applications and preparation of supporting documentation.
  • Development of risk management and compliance oversight processes.
  • Monitoring representative conduct and fit and proper requirements.
  • Drafting client-facing disclosures and internal controls.
    We combine risk-based monitoring (e.g., client advice processes) with the rule-based obligations (e.g., disclosure documents, complaints management).

Our focus is to:

  • Draft and maintain a Risk Management and Compliance Programme (RMCP).
  • Conduct risk profiling and the defined level of customer due diligence.
  • Establish reporting procedures for suspicious transactions.
  • Train staff to recognise and escalate potential money laundering risks.
  • Client and staff screening
    Our FICA services are strongly risk-based, reflecting the FIC’s expectation that you focus resources on high-risk transactions.

For the NCA, we assist credit providers to:

  • Register as a credit provider.
  • Develop affordability assessment processes.
  • Implement compliant agreements and disclosure notices.
    For the CPA, we help with:
  • Drafting customer terms and policies.
  • Establishing complaint handling and marketing practices that align with consumer rights.
    In this section compliance is a blend of prescribed rules (e.g., pre-agreement disclosures) and risk-based process controls.

We deliver end-to-end solutions, including:

  • Register the business with the Information Regulator.
  • Register the Information Officer or deputy/
  • Drafting a PAIA Manual and ensuring it’s accessible.
  • Performing a POPIA impact assessment to map personal information flows.
  • Drafting privacy policies, consent mechanisms, and processing notices.
  • Training Information Officers and staff.
    This area is typically risk-based (prioritising high-risk processing) but reinforced by mandatory records and notices.