As consumers worldwide commemorated World Consumer Rights Day yesterday, the National Credit Regulator has reaffirmed its commitment not only to consumer education, but to decisive regulatory enforcement against unfair and unlawful credit practices.  According to NCR , This year's theme, "Turning the Tide Against Unfair Business Practices" - reflects the urgent need to confront exploitative conduct within the marketplace , particularly in the credit sector, where vulnerable consumers are often exposed to reckless lending, unlawful fees, misrepresentation, and unethical debt counselling practices. Bongiwe Zwane spoke to Jimmy Golele, Snr Education and Communication Officer at the National Credit Regulator