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Property Agent Legislation OKF

An OKF v0.1 knowledge bundle that translates South African property legislation into actionable compliance checkpoints for the customer-facing parts of a property practitioner's workflow.

Scope

This bundle focuses on customer interaction laws — the legislation that governs how a practitioner:

  • Markets to and acquires leads
  • Collects and processes personal information
  • Onboards and verifies clients (KYC)
  • Takes mandates and instructions
  • Shows properties
  • Handles offers and disclosures
  • Closes transactions and earns commission

Practitioner registration, Fidelity Fund Certificates, trust accounts, and PPRA licensing are out of scope — the hosted Hermes solution assumes those are already in place.

Legislation Referenced

Act / Regulation Abbreviation Primary Application
Consumer Protection Act 68 of 2008 CPA Marketing, advertising, fair dealing, disclosure, cooling-off rights
Protection of Personal Information Act 4 of 2013 POPIA Collection, consent, processing, storage of client/lead personal data
Financial Intelligence Centre Act 38 of 2001 FICA Client due diligence, identity verification, record keeping
Property Practitioners Act 22 of 2019 PPA Practitioner conduct, Code of Conduct, mandatory disclosures
Property Practitioners Regulations, 2022 PPR Operational requirements, disclosure form, Code of Conduct schedule

Customer Interaction Lifecycle

The bundle is organised along the natural customer journey:

  1. Lead Acquisition & Marketing — CPA + Code of Conduct on advertising standards
  2. Consent & Personal Data — POPIA on collecting and processing lead/client data
  3. Client Onboarding & KYC — FICA on identity verification before doing business
  4. Mandate & Instructions — CPA + Code of Conduct on mandate agreements
  5. Property Showings & Viewings — Code of Conduct + CPA on showing property
  6. Offers & Disclosures — Mandatory Disclosure Form + CPA on offers
  7. Closing & Commission — Code of Conduct + PPA on finalisation

How to Use This Bundle

Each concept file contains:

  • Applicable legislation — the specific Act/section that applies
  • ✅ Compliance checklist — concrete yes/no questions to run through
  • ❌ Prohibited actions — things that would break the law
  • ⚠️ Warning flags — common pitfalls practitioners miss