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Making Compliance Practical, Accessible and Actionable
Compliance information made easier to understand
J9Compliance helps South African estate agencies and property practitioners understand, implement and maintain their compliance responsibilities.
We turn complex regulatory requirements into practical, implementation-ready frameworks that businesses can use with confidence. Our resources, training and technology are designed to reduce uncertainty, strengthen internal processes and help firms remain prepared for regulatory reviews and audits.
Your Engine Room for Compliance
Compliance should not be a collection of documents stored away and forgotten. It should form part of how your business operates every day.
J9Compliance provides structured policies, registers, templates, implementation guidance and staff training covering key requirements such as FICA, PPRA, POPIA and the CPA.
Our growing resource library and J9Compliance Intelligence Agent give property professionals access to practical information and tools without the traditional cost and complexity of high-end consultancy.
Let’s Build Compliance Into Your Business
Whether you need an implementation-ready compliance framework, staff training, practical resources or guidance on your next steps, J9Compliance is here to support you.
Get in touch and let’s make compliance manageable.
Frequently Asked Questions
This is not legal, financial or tax advice. Always verify information against the official source.
FIC FAQs
Must an estate agency register with the Financial Intelligence Centre?
Yes. Estate agencies that fall within the property-practitioner category in Schedule 1 of the FIC Act are accountable institutions and must register with the FIC. The business registers—not every employee individually merely because they work for the agency. FIC guidance for property practitioners
When and how must we register with the FIC?
A new accountable institution must register within 90 days of commencing business. Registration is completed free of charge through the FIC’s goAML platform. FIC registration FAQI
What is an RMCP, and does every estate agency need one?
A Risk Management and Compliance Programme documents how the agency identifies, assesses, monitors and manages money-laundering, terrorist-financing and proliferation-financing risks. It must reflect the agency’s actual operations, be approved at the appropriate management level and be implemented—not merely stored as a template. FIC RMCP guidanceI
What client information must an estate agency verify?
The agency must conduct risk-based customer due diligence. This includes identifying and verifying clients, understanding the purpose of the business relationship, identifying beneficial owners where applicable, assessing risk and conducting ongoing monitoring.
When must a transaction or activity be reported to the FIC?
Reports may be required for suspicious or unusual transactions or activities, cash transactions above the prescribed threshold, terrorist-property matters and sanctions-related concerns. Staff must escalate concerns promptly and must not alert the client that a report has been or may be submitted. FIC reference guideI
PPRA FAQs
Contact Us Info
Home
Contact Number:
Tel: 087 285 3222
Email:
eab@theppra.org.za
Who needs a valid Fidelity Fund Certificate?
Property-practitioner businesses and the relevant individual property practitioners must be properly registered and hold valid certificates for the applicable year. Consumers can verify practitioners and firms through the PPRA. PPRA consumer guidance
When must an FFC or Registration Certificate be renewed?
The annual renewal period ordinarily opens on 1 July and closes on 31 October for certificates expiring on 31 December of that year. Practitioners should confirm the applicable year’s PPRA notice and renew before the deadline. PPRA renewal guidanceI
Is the Mandatory Disclosure Form compulsory?
Yes, subject to any applicable exemption. The prescribed form records known property defects and must be completed as required under section 67 and regulation 36. It should be provided to the relevant parties and attached to the sale or lease agreement. PPRA Mandatory Disclosure guidance
Does an agency automatically qualify for a trust-account exemption if it does not hold trust money?
No. An exemption is not automatic. A qualifying business must apply to the PPRA and receive a formal exemption letter. The exemption only applies from the effective date stated in that letter. PPRA trust-account exemptions
What trust-account records and audits are required?
Unless formally exempted, a business property practitioner must maintain separate trust-accounting records, balance them monthly and retain the records and supporting documents for five years. A registered auditor must audit the trust accounts and submit the report within six months after the financial year-end. PPRA audit guidance
Important disclaimer
This information is general guidance and does not constitute legal advice. Requirements should always be checked against the latest FIC and PPRA notices.
Let’s Build Compliance Into Your Business
Whether you need an implementation-ready compliance framework, staff training, practical resources or guidance on your next steps, J9Compliance is here to support you.
Get in touch and let’s make compliance manageable.
Frequently Asked Questions
This is not legal, financial or tax advice. Always verify information against the official source.
FIC FAQs
Must an estate agency register with the Financial Intelligence Centre?
Yes. Estate agencies that fall within the property-practitioner category in Schedule 1 of the FIC Act are accountable institutions and must register with the FIC. The business registers—not every employee individually merely because they work for the agency. FIC guidance for property practitioners
When and how must we register with the FIC?
A new accountable institution must register within 90 days of commencing business. Registration is completed free of charge through the FIC’s goAML platform. FIC registration FAQI
What is an RMCP, and does every estate agency need one?
A Risk Management and Compliance Programme documents how the agency identifies, assesses, monitors and manages money-laundering, terrorist-financing and proliferation-financing risks. It must reflect the agency’s actual operations, be approved at the appropriate management level and be implemented—not merely stored as a template. FIC RMCP guidanceI
What client information must an estate agency verify?
The agency must conduct risk-based customer due diligence. This includes identifying and verifying clients, understanding the purpose of the business relationship, identifying beneficial owners where applicable, assessing risk and conducting ongoing monitoring.
When must a transaction or activity be reported to the FIC?
Reports may be required for suspicious or unusual transactions or activities, cash transactions above the prescribed threshold, terrorist-property matters and sanctions-related concerns. Staff must escalate concerns promptly and must not alert the client that a report has been or may be submitted. FIC reference guideI
PPRA FAQs
Contact Us Info
Home
Contact Number:
Tel: 087 285 3222
Email:
eab@theppra.org.za
Who needs a valid Fidelity Fund Certificate?
Property-practitioner businesses and the relevant individual property practitioners must be properly registered and hold valid certificates for the applicable year. Consumers can verify practitioners and firms through the PPRA. PPRA consumer guidance
When must an FFC or Registration Certificate be renewed?
The annual renewal period ordinarily opens on 1 July and closes on 31 October for certificates expiring on 31 December of that year. Practitioners should confirm the applicable year’s PPRA notice and renew before the deadline. PPRA renewal guidanceI
Is the Mandatory Disclosure Form compulsory?
Yes, subject to any applicable exemption. The prescribed form records known property defects and must be completed as required under section 67 and regulation 36. It should be provided to the relevant parties and attached to the sale or lease agreement. PPRA Mandatory Disclosure guidance
Does an agency automatically qualify for a trust-account exemption if it does not hold trust money?
No. An exemption is not automatic. A qualifying business must apply to the PPRA and receive a formal exemption letter. The exemption only applies from the effective date stated in that letter. PPRA trust-account exemptions
What trust-account records and audits are required?
Unless formally exempted, a business property practitioner must maintain separate trust-accounting records, balance them monthly and retain the records and supporting documents for five years. A registered auditor must audit the trust accounts and submit the report within six months after the financial year-end. PPRA audit guidance