- and I would encourage the hon member to read it - that says on page 13 ... one of its recommendations ... and the heading is, If the Bill were to go ahead in its current form then we respectfully recommend. It has recommendation one, debt intervention must be responsibly communicated; debt intervention two, enforcement of unregistered creditors; debt recommendation three, definition of overindebtedness; recommendation four, the National Credit Regulator, NRC, considers the prosecution of a number of high-profile cases involving reckless lending as well as false testimony. The NCR is sufficiently skilled with analytical staff to ensure qualifying consumers enter into the process while nonqualifying consumers are rejected.